Is 808 a Good Credit Score?

By Dan Miller

An 808 credit score is a good credit score and more: It’s considered an exceptional or excellent score, which is the highest possible category. Typically, credit scores range from 300 to 850, so an 808 credit score is almost as high as it can get. An 808 credit score signifies that you have a long history of using credit responsibly, with little to no missed bill payments or bankruptcies.

What Does an 808 Credit Score Mean?

The most widely used credit scores are FICO® Scores, which were created by the Fair Isaac Corporation. Generally, credit scores range from 300 to 850, with higher numbers representing people with better credit.

FICO scores are organized into the following tiers:

•   Poor: 300–579

•   Fair: 580–669

•   Good: 670–739

•   Very Good: 740–799

•   Excellent (or Exceptional): 800–850

An 808 credit score is considered excellent, which means that you’re likely to be approved for a mortgage, personal loan, or most other forms of credit at favorable rates.

Recommended: How to Apply for a Personal Loan

What Else Can You Get With an 808 Credit Score?

A credit score of 808 is considered excellent, which should put you in a very good position for all different types of credit. About 21% of Americans have a score over 800; the average credit score in America is 717.

Having a score of 808 indicates that you’ve handled credit responsibly in the past. Lenders therefore will likely view you as a good candidate for loans and lines of credit.

Here is a quick look at what you might be able to get with an 808 credit score:

Can I Get a Credit Card With an 808 Credit Score?

It is very likely that you will be able to be approved for a credit card with a credit score of 808. An 808 credit score is considered to be in the “excellent” range, so you are likely to be able to access top-notch offers. This may mean cards with a very favorable interest rate and a robust array of credit card perks, such as cash back and travel benefits.

In fact, depending on your spending habits and your preferences, you might be offered one of the ultra-premium black credit cards on the market.

(If you already have one or more credit cards, you’re also in good shape to be approved for a credit card consolidation loan. This could allow you to bundle debt into one installment loan, for easier bill paying and potentially a lower interest rate.)

Can I Get an Auto Loan With an 808 Credit Score?

Yes, you are likely to be approved for an auto loan with an 808 FICO score. As noted, an 808 score is in the excellent range of credit scores. Lenders will probably see you as highly creditworthy, which means that you are in a good position to be approved for an auto loan or any other type of credit. What’s more, you will probably be offered the most favorable rates and terms.

An example:

•   As of the third quarter of 2024, a person with a credit score between 601 and 660 would be charged, on average, an annual percentage rate (APR) of 9.73%.

•   However, a person with a score of 781-850 would be assessed, on average, a 5.08% APR, meaning a significantly lower amount of interest would be due over the life of the loan.

Keep in mind, though, that just like with credit cards and other forms of credit, lenders will also usually be looking at your income and other financial information before approving you for a loan. So even if you have an excellent score like an 808 FICO credit score, you may not be approved if you have insufficient income or fall short in other criteria.

Can I Get a Mortgage With an 808 Credit Score?

A FICO score of 808 usually puts you in a good position to be approved for a mortgage. If you are approved for a mortgage with a credit score that high, you’re also likely to qualify for a good mortgage rate. Many mortgage lenders have different rates for customers with different credit scores, so having an excellent credit score will help you get the best mortgage rates available.

A home mortgage is one of the most complicated types of loans, and the exact rates and terms that you get depend on many disparate factors. While having an excellent credit score like an 808 puts you in a good position, you’ll also need to make sure to have other positive indicators.

These may include an income that supports your monthly payment, a sufficient down payment, and a home whose value is high enough to qualify for the loan amount.

A high credit score can be an asset when seeking a mortgage in another way. If you are applying for a jumbo mortgage vs. a conforming loan, that means you are seeking to access a higher amount of funding. Currently, that means a loan of $806,500 or higher for most areas of the U.S. These loans usually get approved for people with scores over 700, with 740 being the average to qualify.

Can I Get a Personal Loan With an 808 Credit Score?

Like other types of loans, an 808 credit score puts you in a good position to be approved for a personal loan. Additionally, many lenders give lower rates to people with higher credit scores.

Given the flexibility of personal loans (you can use them for almost any purpose you can think of, from funding a vacation to paying off a large medical bill), this can be a good option for accessing cash for many people.

You can use our personal loan calculator to determine how likely you are to be approved for a loan and what terms you might expect.

Recommended: Typical Personal Loan Requirements Needed for Approval

The Takeaway

An 808 credit score is considered in the excellent range, which puts it above a good score. A score of 808 is in the highest possible range and reflects that a person manages credit well. Having a credit score of 808 will help put you in a good position to be approved for mortgages, personal loans, credit cards, and other types of credit, typically with the most favorable 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. Checking your rate takes just a minute.

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

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