Credit score

What's a good credit score for a personal loan?

Short answer

670 or higher qualifies for competitive personal-loan offers from mainstream lenders. 720+ unlocks the lowest published APRs. Anything below 580 is considered poor and limits you to subprime specialists with capped APRs near the 35.99% legal ceiling.

Context

FICO's official tiers: 800+ exceptional, 740-799 very good, 670-739 good, 580-669 fair, below 580 poor. Lenders' effective tiers shift slightly: most personal-loan lenders treat 700+ as the threshold for the best pricing, with material APR improvements at each 30-40 point increment below that.

There's no universally 'good' score; what matters is what's good for the specific loan you want. A 660 FICO qualifies for personal loans, but won't get you a mortgage's best rate. A 720 FICO is excellent for personal loans, but mortgage lenders typically want 740+ for their best terms.

Editorial

Reviewed by: Compliance Review
Last reviewed: May 22, 2026

Glossary: Credit score

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