Personal loans with a 600 credit score
A 600 FICO score sits at the upper edge of the 'poor' credit tier (300-579) or the very low end of 'fair' (580-669), depending on scoring model version. More lenders accept 600 than 580 - Avant, Upgrade, Upstart, and some credit unions all work in this range - but APRs remain elevated (22%-35.99%). Pushing your score 20 more points to 620 opens the door to a wider lender pool and meaningfully lower rates.
Why apply here.
- 01600 FICO opens more lender options than 550-580
- 02Loan amounts from $500 to $15,000
- 03APRs typically 22.99% to 35.99%
- 0420 more points (to 620) further expands available lenders
- 05Soft credit check pre-qualification at most online lenders
About this loan.
Which lenders accept a 600 credit score?+
Avant accepts scores as low as 580-600 with APRs from 9.95%-35.99%. Upgrade markets to 600+ borrowers. Upstart's AI model sometimes approves 600-score applicants who have strong educational backgrounds or income. OneMain Financial focuses on income and collateral options for lower-score borrowers. Local credit unions, especially those that underwrite manually, are also worth contacting directly.
What APR should I expect at a 600 credit score?+
Expect 22%-35.99% from lenders who approve 600-score borrowers. The 35.99% rate (the maximum allowed under most state caps) is common for the very bottom of approval ranges. If you receive an offer above 30%, compare the total cost vs alternatives before accepting.
How do I get from 600 to 620 quickly?+
The two fastest levers: (1) Reduce credit card balances to below 30% of each card's limit before the statement closing date. Even paying down one card can add 15-25 points within one billing cycle. (2) Dispute any errors on your credit reports at AnnualCreditReport.com. Inaccurate late payments, wrong balances, or accounts that aren't yours can suppress your score unnecessarily.