Is 733 a Good Credit Score?

By Marcy Lovitch

A 733 credit score fits into the “good” category and could make it easier to qualify for different types of loans and credit cards at lower interest rates. It’s also higher than the national average credit score of 715 and only seven points away from the “very good” category.

Here’s how a credit score of 733 can impact borrowing.

What Does a 733 Credit Score Mean?

Credit score ranges generally span from 300 to 850. FICO®, the credit scoring model used by 90% of lenders, calculates your score based on five categories:

•   Payment history (35%)

•   Amounts owed (30%)

•   Length of credit history (15%)

•   Diversity of credit mix (10%)

•   How many new credit accounts you’ve opened in a short period of time (10%)

Using the above information, here’s how FICO categorizes its credit scores:

•   Poor: 300-579

•   Fair: 580-669

•   Good: 670-739

•   Very Good: 740-799

•   Excellent (or Exceptional): 800-850

As you can see, a 733 credit score is a good credit score.

Recommended: 8 Reasons Why Good Credit Is So Important

What Else Can You Get With a 733 Credit Score?

Having a 733 credit score can unlock certain benefits and opportunities that a person with a poor or fair credit score may not qualify for.

For instance, having a good credit score can make it easier to rent an apartment, since landlords often run a tenant credit and background check when considering an applicant. A 733 credit score can bolster your chances of getting the apartment because it shows you’re more likely to make on-time rent payments than someone with a lower score.

The score could also improve your odds of getting approved for a mortgage, credit card, car loan, or personal loan. Let’s take a closer look.

Can I Get a Credit Card With a 733 Credit Score?

There’s no minimum credit score needed to obtain a credit card. That said, with a credit score of 733, you should be able to qualify for a popular kind of card: an unsecured credit card. This line of credit lets you use credit up to its limit and then pay it off continuously — with no end date. In addition to helping you build credit, an unsecured card often carries extras like cash-back rewards or free travel insurance.

Can I Get an Auto Loan With a 733 Credit Score?

Most auto loan lenders are looking for people with a FICO Score of 661 or higher, according to Experian®. If your score falls in that range, you may be more likely to get approved for an auto loan with favorable terms, which can lower borrowing costs.

Consider this: In the fourth quarter of 2024, Experian reports the average APR for a borrower with a prime credit score (661-780) was 6.40% for a new car loan and 9.95% for a used car. Those numbers jump for car shoppers with a deep subprime credit score (300-500). The average APR for a new car loan was 15.75% and 21.81% for a used car.

While a 733 credit score can help you secure better deals, it’s important to know your score isn’t the only thing a lender considers. Other factors include the amount you’re borrowing, the length of the loan, the kind of car you’re purchasing, and the amount of your down payment.

Recommended: Should I Buy a New or Used Car in 2025?

Can I Get a Mortgage With a 733 Credit Score?

Similar to auto loans, credit score requirements for a mortgage depend on your lender. Here’s a look at different types of mortgage loans.

Conventional mortgages

Conventional mortgages are loans that a government agency does not insure, and they usually require a minimum credit score of 620. Provided your other credentials are strong, you should be able to qualify for a conventional mortgage with a 733 credit score.

FHA loans

FHA loans are backed by the government and may be of particular interest to borrowers with a lower credit score. These types of loans require a minimum 3.5% down payment with a credit score of 580 — or a 10% down payment with a score between 500 and 579.

VA loans

Also backed by the government, VA loans are available to service members, veterans, and qualifying surviving spouses with a Certificate of Eligibility (COE). Lenders usually want to see a score of 620 or higher, though some will consider scores as low as 580.

USDA loans

USDA loans are backed by the U.S. Department of Agriculture, and borrowers usually need a credit score of at least 640. While a 733 credit score more than satisfies that requirement, you’ll also need to meet certain criteria, including income eligibility, debt-to-income ratio, and property eligibility.

Can I Get a Personal Loan With a 733 Credit Score?

A personal loan can be used for virtually any reason — from taking a dream vacation or taking care of hefty medical bills to financing home improvements or consolidating credit card debt.

You usually need a 580 credit score to qualify for a personal loan, so a 733 score is beyond the necessary threshold to acquire this type of loan.

Not surprisingly, the better your financial circumstances are, the more of a leg up you have when it comes securing a personal loan — and landing better terms and interest rates. Credit scores matter, but lenders want an overall view of your financial situation to ensure you’ll be able to pay back what you borrow. Besides your actual credit score, they’ll carefully consider other key factors such as your employment status, cash flow, and debt-to-income ratio.

Thinking of applying for a personal loan? Use SoFi’s personal loan calculator to determine how much your monthly loan payments might amount to so you can keep debt manageable.

The Takeaway

Having a 733 credit score falls into the “good” category and is higher than the national average FICO® Score of 715. If this is your score, you’re also close to advancing to the “very good” tier. Most lenders consider someone with a credit score of 733 to be relatively low risk. So, if you’re looking to apply for a new credit card, mortgage, personal or auto loan, you should have plenty of available options with competitive interest rates and terms.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

SoFi’s Personal Loan was named NerdWallet’s 2024 winner for Best Personal Loan overall.

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