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Credit score range

Loans with a 560-579 credit score

FICO calls a 560-579 score "Poor". Here is what that usually means for the loans, APRs and amounts you can expect.

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What the data says about a 560-579 score

  • FICO groups base scores below 580 in its Poor range, which it describes as well below the average score of U.S. consumers.
  • Experian data from September 2025 put 14.7% of consumers in the FICO Poor range, 300 to 579.
  • In Experian data from September 2025, people in the FICO Poor range used 79% of their available credit on average.
  • The CFPB's consumer credit research calls FICO scores below 580 deep subprime.
  • HUD's FHA rules do not allow FHA-insured mortgage financing below a credit score of 500, and from 500 to 579 they allow a smaller loan compared with the home's value than they allow from 580.
  • A score of 560 to 579 is 1 to 20 points below 580, where FICO's Fair range starts.

Options people in this range often use

  • Installment loans from lenders that work with thin or damaged credit, usually at higher APRs and lower amounts.
  • Credit union payday alternative loans (PALs), capped at 28% APR for members.
  • Secured credit cards and credit-builder loans, which report on-time payments to the credit bureaus.
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Important disclosures

APRs vary by lender and state. Each lender sets its own rates and terms and must show you the APR before you sign.

Representative example

Amount borrowed
$1,000
Annual percentage rate (APR)
29.99%
Repayment
12 monthly payments
Payment
$97.48
Finance charge
$169.76
Total of payments
$1,169.76

Example: a $1,000 installment loan at 29.99% APR repaid in 12 monthly payments of $97.48 costs $1,169.76 in total, including a finance charge of $169.76. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.

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