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Credit score range

Loans with a 580-669 credit score

FICO calls a 580-669 score "Fair". Here is what that usually means for the loans, APRs and amounts you can expect.

Last updated .

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Options people in this range often use

  • Personal installment loans from online lenders and credit unions, where income and payment history weigh as much as the score.
  • A co-signer or a secured loan can lower the APR you are offered.
  • Credit union loans, which often price below online lenders for members.
Check your optionsStart with your stateLoan options, state rules and local help for where you live.

Important disclosures

Illustrative range for installment loans: APRs from 5.99% to 35.99%. This range is not a quote; each lender sets its own rates. Your APR depends on your credit, income, state and the lender.

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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