What credit score do I need for a $10,000 personal loan?

$10,000 is a common consolidation or major-purchase loan amount. Approval at this size starts being affected by debt-to-income ratio in a meaningful way. Lenders want to see that the new monthly payment fits within your existing budget.

Monthly payment math: $10,000 at 14% over 48 months is about $273/month. At 22% APR over 60 months it's $276/month. Lenders compute DTI after adding this payment to your existing debt service; total should stay under ~40% of gross monthly income.

If you're at 580-619 FICO, expect either a smaller loan offer ($5,000-$7,500) or APRs at the upper end of the range. Adding a co-applicant with stronger credit often unlocks the full $10,000 at meaningfully better pricing.