Your one-stop guide to bad credit loans and help in your state.
MenuClose

Credit score range

Loans with a 670-739 credit score

FICO calls a 670-739 score "Good". Here is what that usually means for the loans, APRs and amounts you can expect.

Check your options

BadCreditMD is not a lender or broker. A lending network partner shares requests with lenders, who set their own rates and decide whether to lend. There is no fee to use our service. See disclosures.

Start with your state

Last updated .

What the data says about a 670-739 score

  • FICO puts base scores from 670 to 739 in its Good range, which it describes as near or slightly above the average of U.S. consumers.
  • Experian data from September 2025 put 20.1% of consumers in the FICO Good range, 670 to 739.
  • In Experian data from September 2025, people in the FICO Good range used 39% of their available credit on average.
  • Experian data put the average FICO Score in the U.S. at 713 in 2025, inside this range.
  • Experian data put 70% of consumers at a FICO Score of 670 or higher in 2025, the score where this range starts.
  • The CFPB's consumer credit research calls FICO scores from 660 to 719 prime and 720 or above super-prime.
  • From a credit score of 580, HUD's FHA rules allow the largest loan compared with the home's value that the FHA insures.
  • A score of 670 to 739 is 1 to 70 points below 740, where FICO's Very Good range starts.

Options people in this range often use

  • Most personal-loan lenders will consider you, and APRs fall as your score rises.
  • Compare several offers; prequalification typically uses a soft credit inquiry.
Check your optionsStart with your stateLoan options, state rules and local help for where you live.

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.

  • BadCreditMD is not a lender or broker and does not make loans or credit decisions. When you submit a request, a lending network partner shares it with third-party lenders, and those lenders or the partner may pay us a fee for each referral. The lenders decide whether to offer you a loan.
  • There is no fee to use BadCreditMD. Lenders or our lending network partner may pay us.
  • Lenders set their own rates, fees and terms. Offers depend on your credit, income, state of residence and each lender's criteria.
  • Our service is not available in all states, and not every loan type is available in every state.
  • By submitting a request you consent to lenders checking your credit, which may affect your score, and to your information being shared with them.
  • Submitting a request does not mean you will be approved or funded, or that you will receive any particular amount or rate.
  • Short-term loans are costly and are not a long-term financial solution. Borrow only what you can repay on time.
  • BadCreditMD publishes general information about loans and state rules. It is not legal or financial advice.
  • BadCreditMD is operated by BadCreditMD, LLC, 30 N Gould St Ste N, Sheridan, WY 82801. Contact: pr@badcreditmd.com. Full details are on our disclosures page and disclaimer.
  • Each state regulates lenders through its own financial regulator. Our state guides link to each one.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.