Loans by credit score
Your credit range decides which lenders say yes and what they charge. Pick yours to see realistic rates and the moves that improve them.
Pick your credit range
-
Credit range · updated Oct 13, 2026
Bad credit
Scores below 580: APRs of about 28%–36%, secured and co-signed options, and the traps to skip.
-
Credit range · updated Oct 13, 2026
Fair credit
Scores of 580–669: APRs of about 18%–30%, wide offer spreads, and when a loan beats your card.
-
Credit range · updated Oct 13, 2026
Good credit
Scores of 670–739: APRs of about 12%–20%, often well below card rates. Compare by APR, fee included.
-
Credit range · updated Oct 13, 2026
Excellent credit
Scores of 740+: APRs of about 7%–13%. Rate shop with soft checks, ask for autopay discounts, keep terms short.
-
Credit range · updated Oct 13, 2026
No credit history
No score yet: APRs of roughly 18%–36% if approved. Credit-builder loans and co-signers can help.