Personal loans with a 680 credit score
A 680 FICO sits in the 'good' credit tier (670-739) and opens access to a broad range of mainstream lenders. Rates typically start around 10%-14% for well-qualified 680-score borrowers and rise to the low-20s% depending on income, DTI, and loan amount. At 680, you're beyond the high-rate subprime market, but still 20 points away from the 700+ tier where the best mainstream rates begin.
Why apply here.
- 01680 qualifies you at most mainstream personal loan lenders
- 02Loan amounts from $1,000 to $45,000
- 03APRs typically 10.99% to 24.99%
- 0420 more points to 700 unlocks lower rate tiers
- 05Soft credit check pre-qualification available
About this loan.
Which lenders offer the best rates at 680?+
LightStream, SoFi, and Discover are competitive for borrowers around 680, especially those with strong income and low DTI. Upgrade and Best Egg also offer solid rates in this tier. Pre-qualify (soft pull) at 3-5 lenders since the rate spread for a 680-score borrower across lenders can be 5-8 percentage points on the same loan amount.
How much better are rates at 700 vs 680?+
Typically 2-5 percentage points lower APR for the same loan profile. On a $20,000 loan at 36 months, a 4-point APR difference (say 18% vs 14%) is about $1,300 in total interest savings. If your need isn't immediate and you can push to 700 in 60-90 days, it may be worth the wait.
What is the fastest way to get from 680 to 700?+
Lower credit card utilization is the single fastest lever. If your cards are above 30% utilization, paying them down before the statement closing date can add 15-20 points within one billing cycle. Avoid new credit applications for 60-90 days, keep all accounts current, and check your credit report for errors at AnnualCreditReport.com.