The Capital One Good Credit is a personal loan from Capital One. The annual fee is No fees of any kind, no origination fee, no prepayment penalty. The ongoing APR is 6.99% to 24.99% APR (comparison table on page). Approval typically requires a credit score of 740 or higher. Rewards: false. Typical credit limit: $2,500 to $40,000. Funding speed: Funds can be sent as early as the next business-day after acceptance.. Loan terms: Terms of 36, 48, 60, 72 or 84 months. Minimum annual revenue: $25,000/year. This product reports activity to your personal credit report. Application rules: Recon: (888) 676-3695 Recon Alt (community-reported, unverified): (800) 347-2683. No origination fee. Direct payment to creditors for consolidation. Same-day decisions. Terms 3-7 years.