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We selected SoFi as a best personal loans lender for good credit applicants because there are no fees required, loan limits are high, and interest rates for well qualified applicants are low.

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Eligibility Requirements: While people with all credit scores and ratings are eligible to apply, don't expect a high loan amount, exceptional terms, and a low APR unless you have good credit.

Getting a loan when you have bad credit or no credit ... on top of their debt while honoring all terms and agreements. A good credit score starts at 670 on the FICO scale (661 for VantageScore).