By Timothy Moore

(Last Updated – 11/2025)

A credit score of 670 is at the very lowest edge of the “good” category. So is a 670 credit score good? Technically, yes, and you should be able to qualify for most types of loans.

But is 670 a good credit score in terms of getting the best rates and lowest fees? Not usually. You’ll need to work on building your credit score to earn lower interest rates and fees, higher borrowing amounts, and more flexible terms.

Below, you’ll learn the full story on what a 670 credit score means and what types of loans you can get with this score.

Below, you’ll learn what it means to have a credit score of 670, including what kinds of loans you’ll likely qualify for and what rates you can expect.

What Does a 670 Credit Score Mean?

Think of your credit score as a grade. Credit scoring companies like FICO® and VantageScore® review your credit report (you have one with each of the three major credit bureaus) and assign a number to you based on how reliable you are when borrowing money. On-time payments, a healthy credit mix, and low credit utilization are some of the factors that affect your credit score.

The most popular credit scoring model in the U.S. is FICO, which has five credit score ranges:

•   Exceptional: 800 to 850

•   Very Good: 740 to 799

•   Good: 670 to 739

•   Fair: 580 to 669

•   Poor: 300 to 579

A 670 FICO score is officially in the “good” range — but just barely. To get the most out of a “good” credit score (like low interest rates and low fees), you should aim to build your score into the 700s or beyond.

What Can You Get with a 670 Credit Score?

A 670 credit score is at the absolute bottom of the “good” range in the FICO credit scoring model. While the score indicates that you should qualify with lenders advertising loans for borrowers with good credit, your status right on the edge might throw your application into question.

Even if you do qualify for loans, you likely won’t enjoy as low of interest rates and fees as you might if you were on the higher end of the “good” range or had a score in the “very good” or “exceptional” range.

But don’t let that discourage you. With the right lenders, you should still be able to qualify for all major types of loans. Keep reading to learn more.

Recommended: FICO Score vs. Credit Score

Can I Get a Credit Card with a 670 Credit Score?

The minimum credit score to get a credit card is 300, which is the absolute lowest score you can have. In fact, some credit card issuers will give you a credit card even if you haven’t established any credit history at all.

The caveat? You’ll likely only qualify for a secured credit card (that means making a cash security deposit as collateral on the card), and interest rates will be high. However, using this card responsibly means that, over time, you can expect to build your credit history and score.

With a 670 credit score, you’ll probably qualify for a wider range of credit cards, including unsecured credit cards (no security deposits required!). However, a 670 score is typically not good enough to get rewards credit cards that offer cash back or travel points. You may also still have a low credit limit and high interest rate until you build your score.

Can I Get a Personal Loan with a 670 Credit Score?

Along the same lines as credit cards, there’s no official minimum credit score to get a personal loan. Instead, each lender sets its own requirements, and many lenders — especially those found online via lending marketplaces — are available to those with poor credit. Again, these might be secured loans and have steep interest rates, which can go as high as 36%.

With a 670 credit score, however, you likely don’t have to worry about a security deposit and interest rates that steep. Personal loan lenders that are willing to work with good credit will still likely have high interest rates and origination fees, but there may be some more flexibility with how much you can borrow and how long you have to pay it back.

Credit scores are only one factor lenders consider when approving you for personal loans, however. They typically also consider your income streams and outstanding debts before approving you. If you’re hoping to consolidate multiple outstanding debts with the personal loan, make this known to the lender. Getting a credit card consolidation loan can be a way to combat competing payment due dates and high interest rates and pay off your debt.

Can I Get a Mortgage with a 670 Credit Score?

You can get a mortgage with a 670 credit score, as long as you meet other qualification requirements. In fact, the minimum credit score needed to buy a house with a conventional mortgage is 50 points lower: 620.

And even those prospective homebuyers with scores below 620 have options through government-backed loans, such as FHA loans, VA loans, and USDA loans.

Buying a home with a 670 credit score is popular. According to Experian®, 36% of people with a 670 credit score have a mortgage loan in their credit portfolio. Just remember that credit score is only one facet of the loan approval process; lenders will also want to see steady income, a low debt-to-income ratio, and enough funds to cover your down payment. At the very least, you’ll need 3% in cash for a down payment when purchasing a home through a conventional mortgage.

Recommended: Different Types of Home Mortgage Loans

Can I Get an Auto Loan with a 670 Credit Score?

You can also get a car loan with a 670 credit score. However, auto lenders typically use a specialized auto credit scoring model, either the FICO Auto Score or VantageScore 3.0 or 4.0, instead of the traditional scoring model. The FICO Auto Score runs from 250 to 900.

Technically, there’s no minimum credit score to buy a car. Even borrowers with subprime credit can usually find some kind of loan, though the amount they can borrow might be low, and the rate will certainly be high — and falling behind on payments means the car could be repossessed.

Borrowers with a 670 credit score are in a much better place when it comes to financing a car. While you won’t get the lowest rates and fees available, you should be able to drive away from the dealership in a new set of wheels without much hassle. In fact, 66% of borrowers with a 670 credit score have an auto loan, according to Experian.

Leasing a car with a 670 credit score can be more challenging. While car dealerships will lease cars to drivers with a lower credit score, 680 is the preferred threshold.

The Takeaway

A 670 credit score is considered a good credit score on the FICO scoring model — but only just barely. It’s on the cusp of “fair” and “good.” You’ll likely be able to qualify for credit cards, personal loans, mortgages, and auto loans, but 670 is not good enough to get the industry’s best rates and lowest fees. It may be wise to keep working to build your credit score, and consider applying for a loan once you’ve made it to the “very good” level (740 to 799) or higher, if possible.

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.

FAQ

Can I buy a house with a 670 credit score?

Yes, you should be able to buy a house with a 670 credit score. You need at least a 620 credit score to qualify for a conventional mortgage. Lenders will also want to see steady income and employment, and you’ll need enough money to cover the down payment.

Can I buy a car with a 670 credit score?

While auto lenders typically look at your FICO Auto Score rather than your traditional FICO score, a 670 credit score is usually good enough to get a typical car loan. A 670 score may make it harder to lease a car, however.

By Melissa Brock

(Last Updated – 11/2025)

A 620 credit score is considered a “fair” score. That means it’s higher than a “poor” score yet lower than a “good” one.

Your credit score is a three-digit number that summarizes how well you’ve handled debt in the past and how well you currently pay your bills. Put simply, it helps lenders determine how likely you are to repay a loan on time. With a 620 credit score, you will likely qualify for some loans and lines of credit, but you will probably pay more for the privilege.

Read on to learn more about what a 620 credit score means and the types of loans you can qualify for with a 620 credit score.

What Does a 620 Credit Score Mean?

A 620 credit score means you fall into a group of people with a lower credit score than other Americans. As mentioned, it’s a “fair” score, and a bit towards the lower end of that range.

The average credit score in the U.S. is 715, according to Experian®. Some lenders choose not to lend to individuals with a 620 credit score, and borrowers with scores in the “good” range typically receive better borrowing terms. Those with a 620 credit score may be considered subprime borrowers, because they have a less than average credit rating.

There are two scoring systems in the United States: FICO® Score and VantageScore®. FICO is used in the majority of lending decisions.

To give you some context of where a 620 credit score falls into the mix, FICO’s credit score ranges include:

•   Exceptional: 800 to 850

•   Very Good: 740 to 799

•   Good: 670 to 739

•   Fair: 580 to 669

•   Poor: 300 to 579

Your credit score is determined by a mix of factors, including your:

•   Payment history (your record of on-time payments)

•   Amount you owe vs. your credit limit

•   Length of credit history

•   Credit mix (handling various types of credit well can reflect well on you)

•   Recent credit applications (fewer can indicate that you are a responsible borrower).

Now, let’s look at whether you can get a credit card, auto loan, mortgage, or personal loan with a 620 credit score.

Can I Get a Credit Card with a 620 Credit Score?

Yes, you can likely get a credit card with a 620 credit score. However, you may face:

•   Higher fees

•   Higher APRs

•   Fewer rewards

You can tap into secured or unsecured credit cards with a 620 credit score. Secured credit cards are a type of credit card that requires a cash deposit to serve as collateral. For example, you may put down $500, which will act as your credit limit. When used responsibly, these kinds of cards may help you “graduate” to an unsecured card.

Unsecured cards don’t require you to put down a deposit. Also, in terms of unsecured cards vs. secured cards, the unsecured ones typically carry better perks, rewards, as well as lower fees and interest rates. But you may need a credit score of 700 or higher to qualify for cards with all the bells and whistles.

Can I Get an Auto Loan with a 620 Credit Score?

Yes, you can usually get an auto loan with a 620 credit score, but it may take some research, and you may not be offered the most favorable terms. Generally, lenders like to see a minimum FICO Score of 661 to qualify for car financing. Again, the higher your credit score, the less risk you’re perceived as posing to your lender. You may consider building your credit score to get better interest rates and terms.

What is the process of getting an auto loan? Getting an auto loan involves determining your budget, applying for auto loan preapproval, shopping for your car, and comparing dealership and other offers. Then, finalize your auto loan and begin repaying the loan.

Can I Get a Mortgage with a 620 Credit Score?

You’ll typically need a 620 FICO Score to qualify for a conventional mortgage loan. So, if your other qualifications are solid, you may have offers to compare. Similar to auto loans, however, the credit score requirement depends on your lender. Certain mortgage loans, like Federal Housing Administration (FHA) loans, may allow you to have a lower credit score to qualify.

Here are a few types of mortgage loans and their credit score requirements:

•   Conventional mortgage: A conventional mortgage is a loan that a government agency does not insure, or back. As mentioned, you can typically qualify for a conventional loan with a 620 credit score. But remember, other factors, such as your income, come into play.

•   FHA loans: An FHA loan is popular with qualified first-time home buyers. These loans are insured by the federal government, and you could qualify with a minimum credit score of 500. Borrowers with a credit score of at least 580 may be able to get an FHA loan with a 3.5% down payment. Those with a lower score will likely need a 10% down payment.

•   VA loans: No down-payment VA loans are also backed by a government entity — the U.S. Department of Veterans Affairs. To qualify, you must be a service member, veteran, or qualifying surviving spouse with a Certificate of Eligibility (COE) to qualify for a VA loan. Most lenders look for a score of 620, but note that they may consider scores as low as 580.

•   USDA loans: With a 620 credit score, you may have trouble getting a USDA loan guaranteed, or backed, by the U.S. Department of Agriculture. You typically need a credit score of at least 640 for this loan, but again, they consider other factors when deciding whether to lend to you. You must also meet certain income criteria and purchase a home in a designated rural area.

•   Jumbo loans: You will likely not qualify for a jumbo loan, which requires a credit score of 700 to 720 with a 10% to 20% down payment. Jumbo loans exceed the Fannie Mae and Freddie Mac conforming loan limits of $806,500 for a single-unit property. If you live in a high-cost area like Alaska or Hawaii, the conforming loan limit is $1,209,750 for a single-unit property. The number of units you own can increase the conforming loan limit.

Can I Get a Personal Loan with a 620 Credit Score?

You can get a personal loan with just a 600 credit score, but you might not qualify for the best (or lowest) interest rates. A slightly higher credit score of 620 is likely to put you in a comparable position, meaning you may only be offered a higher interest rate and other fees like origination fees.

You might see what offers are available for a debt consolidation loan, which is a personal loan consumers use to pay off high-interest debt like credit cards. Lenders typically require a minimum credit score between 580 and 680 to qualify for a debt consolidation loan.

What Else Can You Get with a 620 Credit Score?

You may have a better chance of qualifying from a store credit card with a lower credit score than what’s required for a regular credit card. A 620 credit score would likely be more than sufficient.

What is a store credit card? A store credit card allows you to get rewards and perks at that particular retailer, such as saving money or getting free shipping. You may even be able to stretch out your payments without having to pay interest.

The downside? These cards typically come with high interest rates and the other obvious downside is that you can only use them at one store.

The Takeaway

A credit score of 620 is in the “fair” range. You will likely qualify for a number of different types of loans and lines of credit with this score. However, you are likely to be offered higher interest rates and less-favorable terms (such as fees). Compare offers to find the best deals, and also consider working to build your credit score over time so you have better access to more affordable credit.

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.