Credit score

Can I get a personal loan with a 580 credit score?

Short answer

Yes, with several online lenders. 580 FICO sits at the bottom edge of the 'fair' tier and is the typical minimum threshold for mainstream online installment lenders. Expect APRs of 22-35.99%, loan amounts up to $10,000-$15,000, and stricter income verification than higher-tier applicants.

Context

580 is a meaningful threshold in personal-loan underwriting. Above it you're in the addressable market of most online installment lenders (Avant, Upstart, OneMain, LendingPoint, Upgrade). Below it, options narrow to subprime specialists with worse pricing.

Approval at 580 typically requires verifiable monthly income above $2,500, an active checking account with consistent direct deposits, and no recent (within 90 days) charge-offs or new collections. Adding a co-applicant with stronger credit drops APR substantially.

Editorial

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

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