Best Loans for Good Credit (690-719) in 2026

What to Expect

Borrowers with good credit generally have very good approval odds for unsecured personal loans. Interest rates will be on the low end of the market. To improve your chances, consider adding a co-signer, opting for a secured loan, or working with a credit union.

Recommended Loan Types

How to Qualify With Good Credit

• Consider a shorter loan term if you can afford higher payments; you will pay significantly less interest.
• Do not borrow more than you can comfortably repay within the loan term.
• Keep your debt-to-income ratio below 36% for the best approval odds and rates.
• Improve your credit score by 20+ points before applying to unlock significantly better rates.

Improving From Good Credit

If you are currently in the 690-719 range, small changes can yield big improvements. Focus on reducing credit card balances, making every payment on time, and avoiding new hard inquiries for 6-12 months. Many borrowers see a 30-50 point increase within a year of disciplined credit management.