Is 714 a Good Credit Score?

By Laurel Tincher

(Last Updated – 04/2026)

A 714 credit score is considered a “good” credit score. With this score, you should be able to qualify for most borrowing options, likely at attractive rates and terms. However, a 714 score falls below the top two credit tiers (“very good” and “exceptional”), which means you probably won’t qualify for a lender’s most favorable rates.

Here’s a look at the types of mortgages, car loans, personal loans, and credit cards you may qualify for with a 714 credit score.

What Does a 714 Credit Score Mean?

A credit score is a three-digit number that helps lenders determine how much risk you pose as a borrower. Credit scores typically range from 300 to 850 — with higher numbers indicating lower risk — and they’re based solely on information in your credit reports. Factors that can impact your credit scores include your payment history, amounts owed, the length of your credit history, and the types of credit you use.

While many people think they have just one credit score, they actually have multiple credit scores. The reason is that credit scores can be calculated using different credit reports and scoring models, such as FICO^®, VantageScore^®, or a lender’s proprietary algorithm. Each model has its own standard for what qualifies as “good.”

Here’s what a 714 credit score means based on the FICO scoring model, which is the most widely used:

•   Exceptional: 800+

•   Very Good: 740-799

•   Good: 670-739

•   Fair: 580-669

•   Poor: 300-579

VantageScore uses slightly different credit score ranges and labels for each range:

•   Excellent: 781-850

•   Good: 661-780

•   Fair: 601-660

•   Poor: 500-600

•   Very Poor: 300-499

Under both the FICO and VantageScore credit models, 714 is a “good” credit score. According to Experian, a 714 score is right around the average credit score of 713 in the U.S.

A credit score in this range can mean you have a somewhat short credit history marked by responsible credit management, or that you’ve had a longer credit history but have made a few mistakes along the way — such as a late payment here or there or a tendency to use a lot of your available credit. Generally, though, lenders will see you as relatively low risk.

What Else Can You Get With a 714 Credit Score?

Having a 714 FICO score can help you save money on interest charges by giving you access to better rates. However, the benefits of a good credit score go beyond new credit.

Having a good or better credit score may help you qualify for lower premiums on car insurance. Utility companies may look at a new customer’s credit scores and may be willing to waive security deposits for those with good credit.

You might also find it easier to rent an apartment or house, since landlords will often look at applicants’ credit scores to see how reliable they are with paying bills and repaying debt.

Your credit score can also impact your job prospects. Some employers request your permission to check your credit. They do so to confirm whether you’re financially stable, particularly for jobs that involve finance or require security clearance.

Recommended: Tips for Maintaining a Good Credit Score

Can I Get a Credit Card with a 714 Credit Score?

Yes, a 714 credit score is typically sufficient to meet a credit card issuer’s minimum approval criteria. You might also qualify for credit cards that offer attractive benefits, such as cash back, travel rewards, or a 0% introductory annual percentage rate (APR).

However, since a 714 credit score is considered “good” and not “exceptional” or “excellent,” you might not receive the lowest APR possible. And to qualify for the best reward cards, you generally need at least “excellent” credit.

Keep in mind that when it comes to getting a credit card, credit scores are just one part of the equation. A lender may also consider criteria not reflected in your credit score, such as your employment status and income level, when deciding if you qualify for a credit card, as well as the rates and terms they will offer.

Can I Get an Auto Loan With a 714 Credit Score?

Yes, you can likely get an auto loan with a 714 credit score and may qualify for a competitive rate. However, it may not be a lender’s most favorable rate.

To get an idea of what you can get with a 714 score, here’s a look at the average auto loan interest rate paid by borrowers at different credit score levels (using the VantageScore model) as of the fourth quarter of 2025.,

Credit Rating	New Auto Loan Rate	Used Auto Loan Rate
Super prime (781-850)	4.66%	7.70%
Prime (661-780)	6.27%	9.98%
Nonprime (601-660)	9.57%	14.49%
Subprime (501-600)	13.17%	19.42%
Deep subprime (300-500)	16.01%	21.85%

Source: Experian’s State of the Finance Market Report

With a 714 credit score, you’re in the “prime” range, which offers an average auto loan rate of 6.27% for a new car. Used car loans typically have higher rates, averaging 9.98% for a 714 score. Still, this is significantly lower than the average rate of 14.49% for “nonprime” borrowers.

In addition to having good credit, you’ll also need to meet the lender’s income and down payment requirements. The type of vehicle you finance also affects whether you qualify and the interest rate you’ll receive from the lender.

Can I Get a Mortgage with a 714 Credit Score?

Yes, a 714 credit score qualifies as good for buying a house. Most conventional mortgage loans require a credit score of about 620. In general, any score above 700 is considered a good credit score to mortgage lenders. To get the best available mortgage rates, though, you generally want your score to be 740 or higher.

When you apply for a mortgage, lenders will also consider factors other than your credit score, such as your down payment amount and your income. Mortgage companies will also be interested in your debt-to-income (DTI) ratio, which tells them what percent of your income is going toward debt repayment each month. They generally prefer to see that ratio remain below 36%.

To calculate your DTI, add up your monthly debt payments (including rent), divide that number by your gross monthly income, then convert the figure into a percentage by multiplying it by 100.

Can I Get a Personal Loan with a 714 Credit Score?

Yes, you can likely get a personal loan with a 714 credit score and may qualify for a low interest rate. To qualify for a lender’s optimal rates, however, you generally need a score of at least 780.

The average APR for a three-year personal loan for borrowers with credit scores in the 680-719 range is 21.69%. For borrowers with a credit score of 780 or higher, on the other hand, the average APR lands at 13.64%.

The interest rate you’ll pay for a personal loan depends on factors other than your credit score. Lenders will typically also look at your income, employment history, and DTI ratio. Since most personal loans are unsecured, you don’t need any collateral, such as a car or a home, for approval.

Once you qualify, a personal loan lets you borrow a lump sum of cash that can be used for virtually any purpose, including home improvements, a vacation, a large purchase, and credit card consolidation. You repay the loan in regular installments over the loan’s term, which can range anywhere from 1-7 years.

Takeaway

A 714 credit score is a good score. It generally exceeds lenders’ minimum credit score requirement for new credit requests, but it also isn’t the highest score in the FICO or VantageScore ranges.

This means that while you might be eligible for a loan or credit card, you might not be offered the lowest available rates. The most competitive rates and terms offered by lenders generally require “excellent” credit.

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FAQ

Is 714 a good credit score?

Yes, a 714 credit score falls in the “good” credit range, with many credit scoring models starting in the high 600s. A score in this range typically reflects responsible credit use and can open the door to a variety of lending products, although lenders reserve their most favorable rates for higher credit tiers.

What does a 714 credit score get you?

A 714 credit score can make you eligible for credit cards, auto loans, mortgages, and personal loans because lenders often see this range as a sign of reliable borrowing behavior. When you apply, lenders also review additional details in your credit report, such as your payment history and how much you owe, to decide on approval and loan terms.

Can I get a home loan with a 714 credit score?

Yes, most conventional mortgage lenders look for a minimum score of around 620, so a 714 score meets that requirement. Lenders also review factors such as your debt-to-income ratio and the overall strength of your credit report when setting your interest rate and other loan terms.