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Credit score

Can I get a personal loan with a 680 credit score?

Short answer

Yes, with competitive offers. 680 FICO crosses into the 'good' tier and qualifies for nearly all mainstream online lenders plus most bank personal-loan programs. Expect APRs of 11-18%, loan amounts up to $40,000-$50,000, and minimal origination fees compared to fair-credit pricing.

Context

680 is the threshold where bank personal loans become accessible. Discover, U.S. Bank, Wells Fargo, and Citi all consider applications starting around this score, often with better APRs than online lenders for existing banking customers.

For borrowers at this credit band, the binding cost variable is origination fee. Compare effective APRs (rate plus fee, the disclosed APR under TILA) across offers rather than just headline rates. LightStream and SoFi advertise no-fee loans for 680+ borrowers.

Editorial
Reviewed by
Compliance Review
Last reviewed
May 22, 2026
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