Personal loans for excellent credit. LightStream, SoFi and Marcus are online lenders geared toward borrowers who have stellar credit, offering low fees and high loan amounts. LightStream tailors interest rates to suit your loan purpose and offers low rates normally reserved for secured loans. SoFi lends to people with good credit and high incomes and offers loans in a wide range, from $5,000 to $100,000.
Someone with poor or average credit may be able to get an unsecured personal loan on the strength of a steady income and low debt levels, but expect rates near the higher end of the range — up to 36%. Other options for borrowers with bad credit include secured or co-sign personal loans.