Can I get a personal loan with a 600 credit score?

At a 600 credit score, you're above the minimum threshold of most major online personal-loan lenders. Pre-qualification (soft credit pull only, no impact to score) will typically return 3-5 offers from a marketplace.

Your APR depends heavily on income, debt-to-income ratio, and the loan amount. A 600-FICO borrower with stable W-2 income above $50,000 and DTI under 35% will see APRs in the high teens to mid-20s. The same score with thin income documentation or DTI above 40% pushes APRs to the upper end of the range.

If you'd like better pricing, raising the score 30-60 points to the mid-630s typically drops APR by 5-8 percentage points. Paying down credit-card balances below 30% utilisation is the fastest lever.