What credit score do I need for a $25,000 personal loan?

At $25,000, debt-to-income becomes the binding constraint for most applicants. A typical 60-month $25,000 loan at 12% APR has a $556/month payment. Combined with existing debt service, this pushes many fair-credit applicants past DTI thresholds.

For borrowers below 680 FICO needing $25,000, splitting into a smaller personal loan plus another financing source (HELOC if you own a home, 401k loan if you have retirement savings) often works better than chasing a single large personal loan at a high APR.