You can borrow $1,000 to $100,000+ with excellent credit, depending on what type of loan or line of credit you use to borrow the money. In addition to an excellent credit score, you will need enough income to afford the monthly bill payments along with your other financial obligations in order to borrow a lot of money.
An excellent credit score typically will qualify you for the best rates and highest loan amounts available. Some of the best loans only have credit score requirements of 660, so you should be able to explore lots of options and choose the one that’s right for you.
If you’re interested in a personal loan, the table below outlines loan options with some of the highest borrowing amounts and lowest APRs for people with excellent credit.
Good Personal Loans for Excellent Credit
| Lender | Loan Amounts | APRs | Minimum Credit Score |
| $5,000 - $100,000 | 7.49% - 25.99% | 660 | |
| $5,000 - $100,000 | 8.99% - 29.99% Fixed APR with all discounts | 680 | |
| $3,000 - $100,000 | 7.49% - 23.24% | 660 | |
| $1,000 - $100,000 | 10.34% - 18.51% | Not Disclosed | |
| $500 - $50,000 | 7.99% - 17.99% | 650 | |
| $1,000 - $50,000 | 8.74% - 24.99% | 660 |
Note: Credit score requirements are according to multiple third-party sources
For more information, check out WalletHub’s complete picks for the best personal loans. You can also check to see if you pre-qualify with multiple lenders at once using our free pre-qualification tool.
This answer was first published on 01/31/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
