{"id":24748,"date":"2026-04-29T19:33:46","date_gmt":"2026-04-29T19:33:46","guid":{"rendered":"https:\/\/incredipros.com\/?p=24748"},"modified":"2026-04-29T19:33:47","modified_gmt":"2026-04-29T19:33:47","slug":"the-average-credit-score-for-personal-loans","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24748","title":{"rendered":"The Average Credit Score for Personal Loans"},"content":{"rendered":"<div>\n<div id=\"block_53e23e1cdae0f5ad59c5867697c7929b\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            You\u2019ll typically need a credit score of at least 580 to qualify for a personal loan, but the higher your score, the more affordable your loan rate.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Lenders want to see that loan applicants have a history of responsibly paying debt, and your credit score provides a window into your past behavior.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Prequalifying for a personal loan allows you to find out what interest rate you may qualify for without impacting your credit score.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>When you apply for a personal loan, your chances of getting a low interest personal loan rate are much higher if you have very good to excellent credit (a score of 740 or higher), compared to those in the fair credit range (580 to 739).\u00a0<\/p>\n<p>There is no set average credit score for personal loans, but the average FICO credit score was 714 in March 2026. Understanding how your score impacts your loan \u2014 and what you can do to improve it \u2014 can help you secure the most affordable financing possible.<\/p>\n<h2 id=\"what\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What credit score is needed for a personal loan?\" data-outcome=\"\">What credit score is needed for a personal loan?<\/h2>\n<p>If your credit score is in the 800-plus range, you\u2019ll have the best chance at securing a lender\u2019s lowest advertised rates, the largest loan amounts and the most flexible repayment terms. However, you might still qualify for a lender\u2019s best personal loan rates or terms with a FICO score of 740 or higher.<\/p>\n<p>Since each lender sets its own eligibility requirements, the credit score you\u2019ll need to qualify varies by lender. Most lenders require a minimum score of around 580 to qualify, but of course you\u2019d be quoted less competitive rates and terms.<\/p>\n<p>Here are a few examples from common lenders to guide your search and ensure you qualify for \u2014 and receive \u2014 the best rates possible on a personal loan.<\/p>\n<h2 id=\"credit\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How does your credit score affect your personal loan rate?\" data-outcome=\"\">How does your credit score affect your personal loan rate?<\/h2>\n<p>Improving your credit score before you apply for a personal loan can increase your chances of qualifying for lower interest rates. Pay down existing debt and keep balances low on your credit cards to quickly improve your credit score.\u00a0<\/p>\n<p>The cost of your loan is directly impacted by the APR you qualify for. The difference between bad credit and excellent credit can mean spending thousands of dollars more. For example, this is how the math works out for a $10,000 personal loan repaid over five years.\u00a0<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table is-style-stripes wrapped\">\n<thead>\n<tr>\n<th class=\"has-text-align-left\" data-align=\"left\"><strong>Borrower profile<\/strong><\/th>\n<th class=\"has-text-align-left\" data-align=\"left\"><strong>APR<\/strong><\/th>\n<th class=\"has-text-align-left\" data-align=\"left\"><strong>Monthly payment<\/strong><\/th>\n<th class=\"has-text-align-left\" data-align=\"left\"><strong>Total interest paid<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">Very good credit (740+)<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">6.99%<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$198<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$1,878<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">Poor credit (&lt;579)<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">35.99%<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$361<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$11,676<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">Difference<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\"\/>\n<td class=\"has-text-align-left\" data-align=\"left\">$163<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$9,798<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Over the life of the loan, the lower APR will save close to $10,000 in addition to a significantly lower monthly payment.\u00a0<\/p>\n<h3>Personal loans for bad credit<\/h3>\n<p>Bad credit personal loans are designed for borrowers with poor credit, and lenders may place more emphasis on your income, employment history or education to determine your eligibility.\u00a0<\/p>\n<p>If you have bad credit, you can expect higher interest rates, lower loan amounts and fewer lender options. It\u2019s not unusual for applicants with bad credit to be offered an annual percentage rate (APR) as high as 35.99%.\u00a0<\/p>\n<p>Generally, the minimum credit score needed to qualify for a personal loan is 580, though some lenders accept scores as low as 300. If you qualify, ensure that you can afford to repay the loan as agreed. You should also watch for signs of predatory lending by verifying a lender\u2019s credentials and checking borrower reviews before applying.<\/p>\n<h2 id=\"prepare\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to prepare for a personal loan before applying\" data-outcome=\"\"><strong>How to prepare for a personal loan before applying<\/strong><\/h2>\n<p>There are a number of steps to take before applying for a personal loan to improve your odds of qualifying for a loan and to understand the cost of borrowing.\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Check your credit score.<\/strong> Know your credit score in advance to gauge what rates you\u2019ll likely qualify for. Your bank or credit card issuer \u2014 and some third-party platforms \u2014 may offer free access, or you can check your score with the credit bureaus for a fee.<\/li>\n<li>\n<strong>Compare lenders.<\/strong> Shopping around and comparing lenders will help you identify the most competitive loan terms possible, which can save you money over the life of the loan. Look for the best personal loan rates, including competitive APRs, low fees and favorable terms.<\/li>\n<li>\n<strong>Read the fine print.<\/strong> Many loans charge origination fees, prepayment fees and other penalties. Reading a loan\u2019s fine print gives you a better understanding of what you\u2019re signing on for and can help you determine whether you\u2019re comfortable with the loan terms before proceeding.\u00a0<\/li>\n<li>\n<strong>Prequalify when possible.<\/strong> Prequalifying for a loan allows you to assess what sort of interest rates you may qualify for. This information can help you determine whether you can afford the loan payments.\u00a0<\/li>\n<li>\n<strong>Calculate affordability.<\/strong> Use your prequalification or estimated rates based on your credit score with a personal loan calculator to determine what your monthly loan payments might look like. This can help you ensure the loan truly fits your budget.<\/li>\n<\/ul>\n<h2 id=\"eligibility\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Other factors that impact loan eligibility\u00a0\" data-outcome=\"\"><strong>Other factors that impact loan eligibility\u00a0<\/strong><\/h2>\n<p>While your credit score may be one of the most important factors a lender considers when reviewing a loan application, it is just one piece of financial information. Lenders may also consider other information, like your income and current debt.\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Income:<\/strong> You\u2019ll need to have proof of sufficient income to repay a loan, and some lenders may have a minimum monthly or annual income requirement you\u2019ll need to meet in order to qualify for a loan.\u00a0<\/li>\n<li>\n<strong>Employment:<\/strong> Lenders like to see stable employment, often two years or more. This means you will need to submit proof of employment, such as W-2s, pay stubs or tax returns.\u00a0<\/li>\n<li>\n<strong>Debt-to-income ratio: <\/strong>Your debt-to-income (DTI) ratio is the total monthly debt payments as compared to your monthly income before taxes. Most lenders like to see a DTI under 33%.<\/li>\n<\/ul>\n<p>Some lenders are also willing to consider nontraditional factors when reviewing an application, such as your education and employment history. Eligibility is based on a wide variety of data points, so reach out to potential lenders if you\u2019re unsure what will be checked.<\/p>\n<h2 data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>Before taking out a personal loan, check your credit score and have a clear understanding of your overall financial health. Consider the APRs offered, compare lender requirements and calculate your monthly payments based on what you\u2019re eligible for.<\/p>\n<p>To minimize damage to your credit score, prequalify with at least three lenders. Review the loan terms carefully before selecting the best lender for your needs.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"D8fGdG0Yhc\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/average-credit-score-for-personal-loans\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways You\u2019ll typically need a credit score of at least 580 to qualify for a personal loan, but the higher your score, the more affordable your loan rate. Lenders want to see that loan applicants have a history of responsibly paying debt, and your credit score provides a window into your past behavior. Prequalifying<\/p>\n","protected":false},"author":1,"featured_media":24749,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-24748","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Average Credit Score for Personal Loans | IncrediPros<\/title>\n<meta name=\"description\" content=\"Key takeaways You\u2019ll typically need a credit score of at least 580 to qualify for a personal loan, but the higher your score, the more affordable your\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=24748\" \/>\n<meta property=\"og:locale\" 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