Personal Loan 800 Credit Score

Writer and editor - Joseph Smith | Updated on 2023-03-05

An 800 credit score is exceptional. It is one of the highest possible ratings, which reflects well on you as a borrower. Achieving such a high score takes time and commitment, which is why lenders will be more than willing to offer favorable loan options to you when you do.

A robust credit score can mean several things. For starters, it means you likely pay your bills on time every month and maintain little to no debt with a low credit utilization ratio. You probably also have a clean track record on your credit report and have multiple lines of credit.

How Much of a Personal Loan Can I Get with an 800 Credit Score?

While the maximum amount of a personal loan varies between lenders and borrowers, experts say that you can borrow roughly 200 percent of your annual income before taxes. That means if you have a pre-tax salary of $100,000, your loan maximum will be about $200,000. Again, that number will depend on how much the lender believes in your ability to pay back the loan.

You can get a better idea of how much you may be able to borrow by checking out our list of lenders.

Keep in mind that even with an excellent credit score, many lenders will have a maximum set for personal loans. You can get around this and improve your approval chances by breaking your required funding needs into more than one loan and pursuing multiple lenders.

What Is a Good Rate for a Personal Loan with an 800 Credit Score?

It is challenging to pinpoint the rate you can receive with an 800 credit score. Lenders factor in your income, debts, payment history, and the duration of the loan you’re seeking. Generally, you can expect to get an interest rate of 10.6 percent for a 24-month personal loan.

Getting the Best Personal Loan with a Credit Score Over 800

A high credit score means you are in the driver’s seat financially. When it comes to getting the best personal loan when you have a credit score of 800, though, it is essential to shop around with multiple financial institutions. Doing so will ensure that you get ideal terms on the following:


APR, or annual percentage rate, is the most talked-about factor when it comes to personal loans. It directly influences how much you will pay in interest over the lifetime of the loan. It’s in your best interest to work with lenders offering low APRs.


Many lenders will use fees as a way of extracting additional revenue from borrowers. This notion is especially true if you have a poor credit score. That can include origination, transaction, and late-payment fees. You should strive to find lenders who have few or no fees – especially with a credit score of 800!

Company Reputation

In the same way that the company evaluates your trustworthiness based on your credit score, so should you evaluate a lender’s reputation. Read reviews and ask for referrals to find a reliable business partner. You may want to set up a free consultation to get a sense of a company’s transparency, too.


Believe it or not, autopay can save you money. Having an automatic loan payment deducted from your bank gives lenders confidence that they will receive their payments on time. What’s more, you will not incur late fees. Many lenders will even lower interest rates for you if you agree to use autopay.

Joseph Smith

Joseph Smith
Writer and editor

Joseph Smith is an experienced freelance writer with over 11 years of experience. His area of expertise includes finance, loans and lending. His work has been featured on various large websites including this one.
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