Credit score

Can I get a personal loan with a 620 credit score?

Short answer

Yes, with broad lender access. 620 sits comfortably in the 'fair' tier and most online lenders compete for these applications. Expect APRs of 18-30%, loan amounts up to $25,000, and a wider range of term options than 580 borrowers see.

Context

The jump from 580 to 620 unlocks meaningful APR savings, often 5-8 percentage points at the same income level, because lenders' risk models step down sharply at this credit band.

Debt-to-income ratio becomes the binding constraint at this tier. Lenders prefer DTI under 40% post-loan, with the best APRs reserved for borrowers under 30%. Pre-qualify with 3-5 lenders through a marketplace to see the range of offers before committing.

Editorial

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

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