By Laurel Tincher

(Last Updated – 12/2025)

A 675 credit score is considered a good score, but it’s at the very low end of that range. This score can definitely be high enough to open some doors for you financially speaking, but it may not be high enough to get the most favorable terms for, say, a mortgage or car loan.

Read on to learn more about the answer to “Is 675 a good credit score?” and learn how to build that important three-digit number.

What Does a 675 Credit Score Mean?

A FICO^® Score of 675 falls into the low end of the good credit range, which typically runs from 670 to 739. Despite not fitting into the excellent or upper reaches of the good categories, a score of 675 indicates a responsible credit history. Here’s how FICO categorizes its scores:

•   Excellent: 800 to 850

•   Very Good: 740 to 799

•   Good: 670 to 739

•   Fair: 580 to 669

•   Poor: 300 to 579

Credit score ranges are used by lenders to evaluate the risk involved in giving credit to someone. A score of 675 indicates that the applicant has exhibited a moderate degree of creditworthiness. This may indicate a track record of:

•   On-time debt payments

•   A manageable debt-to-income ratio

•   Overall healthy financial standing

It’s important to remember that a credit score of 675 can be built. When applying for loans or credit cards, those in the 675 range can pay a little bit more in interest than people with higher scores. If you had a higher credit score, you might be offered a lower annual percentage rate, or APR.

Gaining a better understanding of the factors that impact credit scores (and making a concerted effort to build yours) can lead to better terms and financial prospects.

💡 Quick Tip: Before choosing a personal loan, ask about the lender’s fees: origination, prepayment, late fees, etc. One question can save you many dollars.

What Else Can You Get with a 675 Credit Score?

People with a credit score of 675 can qualify for a range of financial products, though there might be some restrictions. Even if they are eligible for credit cards, their interest rates and benefits might not be as good as those offered to those with better credit scores. For large expenditures like a home or car, lenders may grant loans, but the interest rates may be on the higher end.

Reducing outstanding debt, avoiding late payments or defaults, and making consistent, on-time payments are all critical steps that can build one’s score. People who work to keep or build their credit score put themselves in a better position to access a wider variety of financial products with better terms and conditions.

Can I Get a Credit Card with a 675 Credit Score?

It is possible to get a credit card with a 675 credit score, and you may have several solid options from which to choose. However, there are rewards if you build your score even higher, including possibly a lower APR and/or fees or access to enhanced rewards.

By using a credit card responsibly, you can work to build your score. It’s worth noting that the single biggest contributing factor to your score is your credit history, meaning on-time payments. Set up payment alerts or opt into automatic payments to help ensure that you pay your bill on time, every time.

💡 Quick Tip: Generally, the larger the personal loan, the bigger the risk for the lender — and the higher the interest rate. So one way to lower your interest rate is to try downsizing your loan amount.

Can I Get an Auto Loan with a 675 Credit Score?

You can get an auto loan with a credit score of 675, but the terms and interest rates might not be as good as what is available to people with higher credit scores. You will find that offers may well vary from lender to lender.

Worth noting: 690 was found to be the average score among those who get a used car loan. Those buying a new car typically have a score of 757 or above.

That said, those with a credit score of 675 should shop around. You may find that if you can make a higher down payment, you could be rewarded with terms you find more affordable.

Recommended: Why Your Debt-to-Income Ratio Matters

Can I Get a Mortgage with a 675 Credit Score?

With a credit score of 675, you will likely be approved by a mortgage lender with what’s considered a good interest rate. But you may not receive the best rate — that’s often reserved for those with high scores, such as 740 and above.

In order to improve your chances of getting approved for a mortgage with more favorable terms, you may want to think about other aspects that lenders take into account, like:

•   A steady job history with a reliable income

•   A larger down payment.

Also, know that if your credit score is below 675, there are still options to be found:

•   You may be able to find a conventional loan with a score of 620 or higher.

•   You may qualify for a FHA loan with a credit score of 500 or higher.

•   You may qualify for a VA or USDA loan with a credit score of 640 or higher.

Can I Get a Personal Loan with a 675 Credit Score?

With a credit score of 675, you can usually qualify for a personal loan. This can be good news, since personal loans can be used in a variety of ways, such as debt consolidation, home renovations, or medical bills.

However, you may find that not all lenders approve you; some prefer prospective borrowers to have credit scores in the 700s. And those that do offer you a loan may not have the best terms, such as the lower APRs.

In other words, it’s in your best interests to shop around and see what offers are available. It can also help to follow the steps mentioned above to build your score, such as always paying bills on time, keeping your amounts owed low (under 30% of your credit limit), and not applying for too much new credit at the same time.

Recommended: Can You Refinance a Personal Loan?

Takeaway

Is a 675 credit score good? Yes. A FICO Score of 675, which is at the lower end of the good range, is typically high enough to qualify for loans and mortgages. However, you may have to pay a little bit more in interest and have less favorable terms than people with better scores. You also may benefit from building your score a bit higher before applying for a loan. You might qualify with more lenders and for better 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.

By Laurel Tincher

(Last Updated – 12/2025)

A credit score of 678 is typically considered to be in the good range, though closer to the lower end than the higher.

Your credit score plays an important role in your financial life since it’s a snapshot of your creditworthiness. Those three digits can be a key factor when you apply for loans, mortgages, credit cards, and other forms of financing. A good score can open doors for you, but it may not get you the best offers available.

Here, you’ll take a closer look at what a 678 credit score means and how it can impact your borrowing options.

What Does a 678 Credit Score Mean?

A 678 credit score is typically considered to be good, but it’s nudging towards the lower end of that range.

In general, credit scores range from 300 to 850, with 300 being the lowest number. The most popular credit scoring system is FICO®, and here’s a look at its score ranges:

•   Excellent: 800 to 850

•   Very Good: 740 to 799

•   Good: 670 to 739

•   Fair: 580 to 669

•   Poor: 300 to 579

So, is a 678 a good credit score? Most definitely, according to the FICO scoring system. People with a credit score of 678 are seen by lenders as moderate credit risks, which indicates that they are handling their debt well. This score points to a history of good credit management, prompt payments, and a manageable debt load.

For these reasons, people with a credit score of 678 may qualify for a variety of credit products, including personal loans, auto loans, and credit cards. But there is room for improvement. If you build your credit score higher, you might qualify for lower interest rates and better terms when opening a line of credit or securing a loan.

What Else Can You Get with a 678 Credit Score?

A credit score of 678 is typically high enough to qualify for credit cards with fair terms, which can help you establish a good credit history. People with a 678 credit score can often take advantage of various benefits and rewards programs offered by credit card issuers, such as cash back, travel perks, and other incentives.

It’s also likely you will qualify for a home loan, personal loan, and car loan with favorable (though perhaps not optimal) terms.

Can I Get a Credit Card with a 678 Credit Score?

It is absolutely possible to get a credit card with a 678 credit score. A credit score of 678 places you in the good credit range, typically qualifying you for a line of credit with credit card companies.

Of the many credit card options available, it’s possible that the terms you’re offered might not be as good as those for people with excellent credit. For example, a number of issuers provide credit cards with rewards for those with a 678 credit score. However, people with higher scores might qualify for those offers with the very best cash back incentives, loyalty programs, and the most favorable interest rates.

When shopping for a new card, be sure to evaluate the details, including the credit limit, annual fees (if any), and other specifics. That can help ensure you get the best overall deal possible.

Getting a credit card with a 678 credit score not only enables people to pay for their daily needs, but it also gives them a chance to show that they manage their credit responsibly. That in turn can help you maintain your credit score or build it.

Can I Get an Auto Loan with a 678 Credit Score?

It is indeed possible to get an auto loan with a credit score of 678. According to Experian®, applicants typically need a credit score of 661 or higher to be approved for a car loan.

That said, you may have more options if you build your score a bit. Research indicates that the average credit score for a used-car loan was 690 and 757 for a new-car loan. A credit score in those ranges could unlock more offers or better terms.

Recommended: What Is an Installment Loan?

Can I Get a Mortgage with a 678 Credit Score?

It is possible to get a mortgage with a credit score of 678, but you may not get as favorable rates and terms as someone with a score in the 700s or higher.

For a conventional mortgage, you may be approved with a credit score of 620 or higher. However, those with a 740 score or higher are likely to qualify for better terms.

Government-backed home loans are also available and can be good options for people with lower credit scores. For example, FHA loans may be secured with a credit score as low as 500, though most require 580 or higher.

Recommended: Personal Loan Terms to Know Before Applying

Can I Get a Personal Loan with a 678 Credit Score?

Generally, it is possible to get a personal loan with a 678 credit score. In fact, there are lenders who offer this kind of loan for individuals with credit scores of 610 or 640 and up.

For the most favorable terms though (say, the lowest annual percentage rate), you may need a score of 680 or 690. Since a 678 credit score is so close to those numbers, you might want to work on building your score before securing a loan.

Ways to do that can include paying on time without fail, keeping your credit card balances at less than 30% of your limit, and also reviewing your credit report to check for (and resolve) any incorrect information.

In addition, other factors may play a role in the terms you are offered, such as income and employment stability. Once the loan is secured, you can use it in a variety of ways, from credit card debt consolidation to funding a vacation or wedding.

Recommended: Personal Loan Terms to Know Before Applying

Takeaway

Is a 678 credit score good? Yes, it does put you in that range, though towards the lower end. It reflects that you have probably been managing your credit responsibly and are therefore creditworthy. However, you may not qualify for the most favorable terms for loans and lines of credit, which are typically reserved for those with a credit score in the 700s or higher.

It can be a wise move to shop around and see what offers you’re eligible for. Some lenders focus on those with good credit scores versus those with excellent ones and may have terms that suit your needs.

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.

By Jackie Lam

(Last Updated – 11/2025)

If you have a credit score of 660, you are landing in the fair credit range. While it’s higher than what is categorized as a poor credit score, having a fair credit score could limit your financing options or cause you to pay higher interest rates.

That said, you can get approved for credit cards and loans with a 660 credit score. Learn more about what this score equates to and what kind of financing you can scoop up by being a member of the 660 credit-score club.

What Does a 660 Credit Score Mean?

The two most popular consumer credit companies are FICO^® and VantageScore^®. However, lenders use FICO more widely, with most — 90% to be exact — using FICO Scores. To simplify matters, this article focuses solely on FICO scoring models.

Generally, when it comes to credit score ranges, you can have a score that’s anywhere between 300 to 850. A 300 credit score is your lowest score, while an 850 is the highest. Let’s take a closer look at these FICO Score ranges:

•   Poor: 300-579

•   Fair: 580-669

•   Good: 670-739

•   Very Good: 740-799

•   Excellent: 800-850

So, a 660 score is considered a fair credit score. However, it’s close to a credit score in the good range. For context: in 2023, the average credit score for the U.S. consumer was 715, which puts most American consumers squarely in the good zone.

💡 Quick Tip: Before choosing a personal loan, ask about the lender’s fees: origination, prepayment, late fees, etc. SoFi personal loans come with no-fee options, and no surprises.

What Else Can You Get with a 660 Credit Score?

Is a 660 credit score good? Not quite. You need a 670 to qualify for that designation. A 660 credit score, however, can likely get you approved for many things: credit cards, auto loans, and mortgages, to name a few. Note that depending on the lender and their requirements, you may qualify for a personal loan as well.

You’ll learn about getting approved for these different forms of credit and loans in a bit. But to reiterate an important point first: While there are overall ranges for minimum credit requirements for different types of financing, the specifics hinge on the lender. Each lender will have varying credit and financial requirements, and they might weigh each factor differently.

Some factors include:

•  Employment history

•   Income

•   Assets

•   Debt level

•   Whether you’re applying with a co-borrower or cosigner

Recommended: FICO Score vs. Credit Score: What’s the Difference?

Can I Get a Credit Card with a 660 Credit Score?

You can certainly get approved with a 660 score, as there’s no minimum score for a credit card. However, cards with more favorable interest rates, premium rewards, and travel perks are typically reserved for those with higher credit scores.

You most likely won’t be approved for a card with a zero-percent introductory rate, as those cards are reserved for those with a 670 credit score or higher.

Along the same lines, you likely won’t be approved for a balance transfer card. That’s because you usually need a minimum credit score of 670 or higher.

To secure a card with lower interest rates, perks, zero-percent intro rates, or balance transfer cards, you might want to work on building your credit first. Strategies include:

•  Always making on-time payments.

•  Keeping your credit utilization ratio low, ideally below 30%.

•  Keeping older accounts that are in good standing open, as this can extend the length of your credit history.

•  Showing you can handle a mix of credit types responsibly, such as lines of credit and installment loans.

•  Not applying for too much credit in a short window of time, if possible.

Remember, if you have a 660 credit score, you only need to build it by 10 points to be in the “good credit” range.

Can I Get an Auto Loan With a 660 Credit Score?

You can certainly get an auto loan with that credit score, as qualifications vary by lender. According to the Q2 2025 State of the Automotive Finance Market Report from Experian, 10.86% of new auto loans went to borrowers with near-prime credit scores (601-660). But interestingly, lenders might require you to have a credit score of at least 661 — considered a prime VantageScore — to snag lower interest rates and flexible terms on a car loan.

If you’re teetering on the threshold of that minimum 661+ credit score, it’s a smart idea to work to build your credit.

Can I Get a Mortgage with a 660 Credit Score?

Having a 660 credit score means you can qualify for a mortgage. The minimum credit score requirements for government-backed mortgages are as follows:

•   FHA loan: 580 credit score with a 3.5% minimum down payment.

•   USDA loan: The USDA doesn’t have a minimum credit score requirement. However, partnering lenders might require a minimum score of 640.

•   VA loan: No minimum credit score, but typically requires at least a 640 score.

Though you may be able to qualify for a conventional loan with a credit score of 660, lenders usually require a minimum score of 670 or higher to land the best interest rates and terms. Conventional loans are the most common type of mortgage. So, it’s a good idea to do what you can to build your credit score by a few points.

Can I Get a Personal Loan with a 660 Credit Score?

Getting a personal loan as a member of the 660 credit-score club can be a bit trickier than getting approval for a credit card or car loan. Lenders generally have a minimum credit score of 670. If credit is extended to you, there’s a good chance you will pay a higher interest rate as you’re deemed less creditworthy and, in turn, more risky.

While most personal loans are unsecured, which means you don’t have to offer collateral, secured personal loans do exist. When you offer collateral, the minimum credit score could be lower than for unsecured personal loans.

Recommended: Can I Pay Off a Personal Loan Early?

The Takeaway

Is 660 a good credit score? Technically, a 660 credit score is considered a fair credit score and may qualify you for loans. However, you’d likely net lower interest rates and better terms on credit cards and loans with a higher score.

You’re quite close to entering the threshold for good credit, which is 670. If you aren’t in a rush, building your credit can help you save money and potentially make it easier to get approved for financing in the future.

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.