By Timothy Moore

(Last Updated – 11/2025)

Per the FICO® credit score ranges, a credit score of 671 qualifies at the low end of a good score, which is typically classified as between 670 and 739.

Having a strong credit score can be crucial to getting approved for the loans many people need throughout life. The higher your score, the more likely you are to get a mortgage, car loan, personal loan, or credit card — and at competitive interest rates.

With a 671, you likely won’t have trouble qualifying for any loans, though you should aim for a score from 740 to 850 (“very good” to “excellent”) to get the best rates and terms.

Below, you’ll learn what it means to have a credit score of 671, including what kinds of loans you’ll qualify for and what rates you can expect.

What Does a 671 Credit Score Mean?

Companies like FICO and VantageScore® use the data on your credit report (you have one with each of the three major credit bureaus) to assess how reliable you are as a borrower. Their analysis results in a credit score, which represents how responsibly you manage and repay your debts.

While there are multiple credit scoring models, the most popular one in the United States is FICO, where scores range from 300 to 850. So is a 671 credit score good on this model? Yes, but just barely. Here’s what FICO’s credit score ranges look like:

•   Exceptional: 800 to 850

•   Very Good: 740 to 799

•   Good: 670 to 739

•   Fair: 580 to 669

•   Poor: 300 to 579

As you can see, a 671 credit score is just above the bottom threshold of what FICO deems a “good” score. There’s good news if you have a 671 credit score: Though you may not get the best rates and lowest fees, you shouldn’t have trouble qualifying for credit.

What Can You Get with a 671 Credit Score?

With a 671 credit score, you’ve officially landed in the “good” category on FICO’s scoring model. That means you should qualify for credit cards, personal loans, mortgages, and car loans.

That said, there’s still a lot of room for your score to grow. If you build your credit score over time, you may be able to qualify for loans with lower interest rates, more flexible terms, fewer and lower fees, and higher borrowing amounts.

Can I Get a Credit Card with a 671 Credit Score?

There is no minimum credit score to get a credit card. Those with lower scores may find, though, that what they are offered is different than someone whose score is in the very good or excellent range.

Some credit card issuers offer secured credit cards to borrowers with poor credit. These can come with high interest rates and require some form of collateral (usually a cash security deposit). Since you need to have the cash upfront for the security deposit, it’s not really useful for borrowing money you don’t already have — but it can help you build your credit score to qualify for a better unsecured card.

But if you have a 671 FICO Score, you are likely to have considerably more options. While many credit card issuers only offer rewards credit cards and travel credit cards to borrowers with very good or exceptional credit, borrowers with good credit can still usually still qualify for unsecured cards with decent rates and fees.

Ready to apply for a credit card? Compile a list of the best credit cards for good credit, see which ones you can prequalify for, and then apply for the offer that suits you best.

Can I Get a Personal Loan with a 671 Credit Score?

As with credit cards, there’s no single minimum credit score for personal loans. Each lender has its own requirements, and there are lenders out there who will offer secured personal loans (again, backed by collateral) to subprime borrowers — that is, those with credit scores at or near the low end of the spectrum.

A minimum credit score of 610 is generally required to qualify for a personal loan, with higher scores yielding better rates.

Borrowers who don’t have great credit may also be able to get a true unsecured personal loan, but interest rates can go as high as 36%, which makes this an expensive borrowing option. Online lenders, which you can find through personal lending marketplaces, can be a good place to start.

With a 671 credit score, however, your options for personal loans really start to open up. Lenders may offer you a higher loan amount, more flexible repayment terms, lower or no origination fees, and lower interest rates. This can be helpful if you are looking for a personal loan for credit card debt or, say, funds to pay off medical debt.

Just remember that credit scores are only one component of a personal loan lending decision. Lenders will also want to see that you have steady income to repay the loan and that you don’t already have too much debt in your name. When you research how to apply for a personal loan, you will see that your credit score, income, and outstanding debt are likely to be considered.

💡 Quick Tip: With average interest rates lower than credit cards, a personal loan for credit card debt can substantially decrease your monthly bills.

Can I Get a Mortgage with a 671 Credit Score?

Personal loans and credit cards are one thing, but will lenders allow you to buy a house with a 671 FICO Score? In many cases, yes. In fact, according to Experian®, 36% of Americans with a 671 FICO Score have a mortgage loan.

The minimum credit score to buy a house is usually 620 for conventional mortgages, but you could get approved for government-back loans (FHA loans, VA loans, and USDA loans, for instance) with scores ranging from 500 to 620.

Conventional loans often require a sizable down payment, so you’ll need to make sure you have enough money to fund the purchase. The lowest amount you can typically put down is 3%, but lenders may require you to put down more, even with a 671 credit score.

As with personal loans, when you go through the steps of how to get a mortgage, there are several factors involved. The underwriting process for a mortgage loan is complex and will include income and employment verification, among other forms of input.

Can I Get An Auto Loan with a 671 Credit Score?

The principles of buying a new or used car are similar to the other loans discussed here: The better your credit score, the better your chances are of approval — and at a lower interest rate. However, auto lenders typically use a special FICO Score, called the FICO Auto Score (250 to 900). Others may use a VantageScore 3.0 or 4.0 scoring model.

Generally, a 671 FICO Score should translate to approval for a typical car loan. Experian reports that 66% of Americans with a 671 credit score have an auto loan.

At a 671 credit score, you won’t qualify for the lowest rates and fees, but you should be able to get behind the wheel of your own car. In fact, there’s no real minimum credit score to buy a car. Even subprime borrowers can get approved, but interest rates can get notably high — and if they miss payments, the car, of course, serves as collateral.

You may still have trouble leasing a car with a 671 score, however. While there isn’t a set credit score needed to lease a car, borrowers with a 680 credit score or higher generally have more luck and get the best deals.

The Takeaway

Is a 671 credit score good? Yes, it is officially considered “good” on the FICO scale, though at the low end of the range. While you still won’t qualify for the lowest rates and fees and the best terms on mortgages, car loans, credit cards, and personal loans, you shouldn’t have trouble getting approved for these types of loans. Consider starting small, with a credit card or personal loan, and working to build your credit score before taking out a larger loan to buy a house or a car.

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 671 credit score?

Yes, you should be able to buy a house with a 671 credit score. The minimum threshold for a conventional mortgage is 620, so a 671 score puts you in good standing. You’ll also need steady employment and income and enough money for a down payment.

Can I buy a car with a 671 credit score?

Although auto lenders typically use the FICO Auto Score model, a 671 FICO Score typically means you can buy a car with an auto loan. If you can wait to build your score, however, you’ll likely qualify for a larger loan amount or better rate.

By Kevin Brouillard

(Last Updated – 11/2025)

A 630 credit score isn’t good, but it isn’t bad either. According to the FICO® Score scale, it falls in the fair range.

Your three-digit credit score indicates your creditworthiness as a borrower, including how you’ve managed debt and bills in the past. While a 630 credit score is below the average U.S. credit score of 715, you can likely still qualify for a credit card and different types of loans, such as a mortgage or car loan. You may, however, pay higher interest rates than those with a higher credit score.

Here’s what you need to know about a 630 credit score, from what it means to the types of financing you can qualify for.

What Does a 630 Credit Score Mean?

A credit score is a three-digit number, typically ranging from 300 to 850, that demonstrates your ability to repay debt. On the FICO scale, which is the most widely used credit scoring model, a 630 credit score sits in the middle of the “fair” category.

The other popular scoring system, VantageScore®, also uses a scale of 300 to 850. The higher your credit score, the less risk you pose as a borrower in the eyes of lenders.

Here’s an overview of FICO Score ranges for further context on how a 630 credit score stacks up.

•   Exceptional: 800 to 850

•   Very Good: 740 to 799

•   Good: 670 to 739

•   Fair: 580 to 669

•   Poor: 300 to 579

Simply put, the answer to whether 630 is a good credit score is no. A 630 credit score sits in the middle of the fair range. Approximately 15% of Americans have a credit score with a “fair” rating.

If you’re curious about how FICO and VantageScore calculate your credit score, here are the five key factors that affect your credit score:

•   Payment history (35%): Whether your loan and credit payments have been made on time is the single biggest contributor to a credit score.

•   Amounts owed (30%): How much revolving credit you have available versus your credit limit, known as your credit utilization, can harm your score if it exceeds 30%.

•   Length of credit history (15%): How long you have maintained your accounts impacts your score, with longer usually being better.

•   New credit (10%): Too many applications for credit in a short period of time can negatively impact your score.

•   Credit mix (10%): The variety of credit types you have, such as revolving credit and installment loans, can contribute positively to your score.

Recommended: How Many Lines of Credit Should I Have?

What Else Can You Get with a 630 Credit Score?

Lenders may view a borrower with a 630 credit score as a risky candidate for certain loan products. To get approval, you may be charged a higher interest rate or otherwise be offered less favorable terms due to the perceived risk of lending to borrowers with a fair credit rating.

Read on for a closer look at what you might qualify for as a borrower with a 630 credit score.

Can I Get a Credit Card with a 630 Credit Score?

Borrowers with fair credit can qualify for some types of credit cards. But the best credit cards with more favorable terms and perks, including lower interest rates and credit card points, typically require a good credit rating or higher to qualify.

If a 630 credit score has kept you from obtaining a credit card, you may want to look into a secured credit card. These cards tend to have lower minimum credit scores requirements but require a refundable deposit as collateral. The credit limit on the card typically corresponds to the deposit amount. In other words, a $600 deposit would translate to a $600 credit limit.

A secured credit card can help build your credit score and may help you qualify for an unsecured credit card if managed well. To do so, it’s important to stay on top of monthly payments and maintain a credit utilization ratio of 30% or less.

Worth noting: If you are struggling with credit card debt and high credit utilization, you might consider such options as a balance transfer credit card (to give you relief from high interest rates and help you pay down the principal) or a credit card consolidation loan, which can allow you to make just one payment a month and may offer a lower interest rate.

Recommended: Breaking Down the Different Types of Credit Cards

Can I Get an Auto Loan with a 630 Credit Score?

With a 630 credit score, car loans are not out of the question. However, you can expect to pay higher interest rates than those with a good credit rating. According to Experian®, the average interest rate for borrowers with a credit score of 601-660 was 9.83% for a new car and 13.74% for a used car in the first quarter of 2025, compared to 6.70% for those with credit scores between 661 and 780 for a new car, and 9.06% for a used car.

You may need to make a higher down payment to get a car loan with a 630 credit score. Having a vehicle to trade in at the dealer can also help reduce the loan amount and secure more favorable terms.

Can I Get a Mortgage with a 628 Credit Score?

Yes, you can likely get a mortgage with a 630 credit score. Here’s a look at several types of home mortgages you might qualify for.

•   Conventional mortgage: The minimum credit score for a conventional home loan is usually 620. This type of home loan is not backed by the government, and you’ll need to have enough funds to cover the down payment and closing costs.

•   FHA loan: A Federal Housing Administration (FHA) loan is popular with qualified first-time home buyers. Since these loans are insured by the federal government, you can qualify with a minimum credit score of 500. Borrowers with a credit score of at least 580 can get a FHA loan with just a 3.5% down payment; lower than that typically requires a 10% down payment.

•   USDA loan: Borrowers typically need a 640 credit score to automatically qualify for a USDA loan, which also requires purchasing a home in a designated rural area. However, lenders can consider other factors when evaluating your application.

•   VA loan: Service members, veterans, and qualifying surviving spouses may access a VA loan with a minimum credit score of 620, depending on the lender.

With a 630 credit score, you’re unlikely to qualify for a jumbo loan, which is typically for an amount higher than that of a conforming loan. You usually need a credit score of at least 700, plus a 10% to 20% down payment, to qualify for these larger, nonconforming home loans.

Can I Get a Personal Loan with a 630 Credit Score?

You can likely get a personal loan with a 630 credit score, but you probably won’t land a low interest rate. For a credit card consolidation loan to pay off high interest debt, you may need a higher credit score — 670 or above — to qualify.

As with any type of loan, you should compare rates from multiple lenders, including banks and online lenders, to find the best option before you apply for a personal loan. You might consider asking a family member or friend with stronger credit to cosign a personal loan to secure a better rate.

Recommended: Personal Loan Calculator

The Takeaway

To recap, a 630 credit score isn’t considered good, nor is it technically bad. It falls within the fair credit score range. Though you may qualify for credit cards and loans, you typically won’t get the most favorable terms. There are steps you can take to build your credit score and unlock more competitive rates, such as making on-time debt payments and keeping an eye on your credit utilization.

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.