What Credit Score Do You Need For a Personal Loan?

Your credit score is one — but not the only — factor that lenders use to decide your rate and loan amount.

Annie MillerberndOctober 16, 2019

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The credit score you need to qualify for a personal loan varies across lenders. Many give preference to borrowers with good or excellent credit scores (690 FICO and above), but there are some lenders that accept borrowers with bad credit (below 630).

Qualifying rests largely on your creditworthiness, which is usually a combination of your income, credit history and credit score. Use the calculator below to learn what loan options you may have based on your credit score.

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More calculators

Personal loan calculator: Learn how much your monthly payments could be, based on your loan amount, term and credit score.

Debt consolidation calculator: Find out how much consolidating your debt could save you.

Debt-to-income calculator: Determine your debt-to-income ratio and learn how lenders use it.

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