Personal loans with a 680 credit score.
You've crossed the 'good credit' threshold — major lenders compete openly, and origination fees become negotiable.
A 680 credit score puts you firmly in 'good credit' territory and unlocks competitive APRs from most major personal-loan lenders. Typical APR runs 11%–18% — the lender pool expands to 15+ options. Many lenders waive origination fees at 680+. A $20,000 loan at 14% APR over 60 months costs about $7,900 in interest. The next milestone (720+) unlocks the best advertised rates.
What 680 credit unlocks
At 680, you've crossed the "good credit" threshold (670+). Major banks (Discover, Wells Fargo, Marcus by Goldman Sachs) approve at this tier. Origination fees become negotiable or waivable with several lenders. Loan amounts up to $40,000–$50,000 become available.
Realistic APR ranges at 680 credit
| Loan amount | Typical APR (680 credit) | Origination fee |
|---|---|---|
| $5,000–$15,000 | 12%–18% | 0%–5% |
| $15,000–$30,000 | 11%–16% | 0%–4% |
| $30,000–$50,000 | 11%–15% | 0%–3% |
Lenders worth comparing at 680
The mainstream lender pool is fully open at this credit tier:
- Best low-rate options: SoFi, Marcus by Goldman Sachs, Discover, LightStream (Truist's online arm)
- Fast funding: Best Egg, Upgrade, LendingClub
- No-fee specialists: SoFi, Marcus, Discover (no origination, no prepayment penalty)
- Credit unions: PenFed, Navy Federal, First Tech
680 vs 720 — does the jump matter?
Yes, but the gap is smaller than at lower tiers. Typical APR difference: 2–4 percentage points. On a $25,000 loan over 5 years, that's roughly $1,800–$3,000 in savings.
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