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.

By Jackie Lam

(Last Updated – 12/2025)

Is a 650 credit score good? Not exactly. Technically, a 650 FICO® Score hovers in the fair category. The good credit score range starts at 670. While you can likely qualify for, say, a mortgage or car loan, you can expect to pay higher interest rates than someone with a higher credit score.

A good credit score can feel like your Golden Ticket as a consumer. After all, having a solid credit score helps you secure loans to buy a car or house or go back to school. You can also have enhanced purchasing power with a credit score higher than 650. Read on to learn what a 650 credit score means to your personal finances and how you might build that number.

What Does a 650 Credit Score Mean?

Consumer credit scores typically range between 300 and 850, with 300 considered the low end and 850 on the high end. The most widely used credit scoring model is FICO.

Here’s a breakdown of the FICO credit score ranges:

•   Poor: 300-579

•   Fair: 580-669

•   Good: 670-739

•   Very Good: 740-799

•   Excellent: 800-850

As you can see, the answer to “Is a 650 credit score good?” is no. A 650 credit score sits on the higher end of fair territory. That said, what you qualify for with a 650 score hinges on the lender, their credit requirements, and how they weigh other financial information.

What Else Can You Get with a 650 Credit Score?

As mentioned, there’s a strong chance you can qualify for a credit card, car loan, personal loan, or mortgage with a 650 credit score. But you might have higher interest rates, less flexibility, and less favorable terms than if you had a good or excellent score.

A credit score is one of many things lenders and creditors review when deciding whether to extend you credit or a loan. They typically also factor in your income, debt-to-income ratio (DTI), education, and collateral.

Can I Get a Credit Card With a 650 Credit Score?

With a 650 credit score, you should be able to qualify for some credit cards. However, the best credit cards usually require a credit score in the good range or better. With a 650 credit score, you might find yourself limited to credit cards with higher interest rates and fewer perks.

If you find yourself having trouble landing the credit card you want with 650 credit, you might want to consider a secured card. This type of card usually has lower minimum credit score requirements and is designed for those who are working on building their credit.

You’ll need to put down a deposit on the card, and your credit limit to start usually matches your deposit. So if your deposit is $500, your credit limit will also be $500. If you manage a secured card well, you may then be able to shift to a standard credit card.

Recommended: Secured vs. Unsecured Personal Loans — What’s the Difference?

Can I Get an Auto Loan with a 650 Credit Score?

You most likely will be able to secure an auto loan with a 650 credit score. However, your interest rates won’t be as good than if you had a higher score.

According to data compiled by Experian® in 2025, the average interest rate on loans for new cards for consumers with credit scores between 601 and 660 was 9.97%, whereas those with scores between 661 and 780 had an average interest rate of 6.78%.

Can I Get a Mortgage with a 650 Credit Score?

Yes, you can likely get a mortgage with a 650 credit score. Some details:

•   Minimum credit scores for a conventional home loan tend to be in the range of 620.

•   You can get an FHA loan with a 580 credit score and 3.5% down payment. If your score is between 500 to 579, you may still be able to qualify with a down payment of at least 10%.

•   For VA loans, most lenders have a minimum credit score that varies but is often anywhere from 580 to 620.

•   For USDA loans, you typically need a credit score of at least 640 to automatically qualify. Otherwise, a full credit review is required before getting the lender’s approval.

Can I Get a Personal Loan with a 650 Credit Score?

A 650 credit score can land you a personal loan. That being said, you’ll probably find personal loans with better interest rates if you have a higher score. For credit card consolidation loans, you typically need a higher credit score — think 670 and up.

Again, it’s wise to shop around. Like other forms of financing, lenders will factor in different financial and credit criteria when reviewing your application.

Recommended: Average Interest Rates for Personal Loans

The Takeaway

Is 650 a good credit score? No; it’s in the fair range. Is it possible to get financing or a line of credit with a 650 credit score? Yes. But you’ll also need to consider the reality: You’ll likely have a more challenging time landing a mortgage, auto loan, personal loan, or credit card than someone with a higher credit score. You may be offered higher interest rates, less flexibility, and less favorable terms.

When applying for financing or a line of credit, check your credit score beforehand. This helps you figure out where you stand and anticipate what interest and rates you might be paying.

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 Ashley Kilroy

(Last Updated – 12/2025)

A 735 credit score is considered a good score in the lending industry and can increase your access to financing, credit cards, and affordable interest rates. This credit score likely comes from a track record of consistent, healthy habits with debt. As a result, lenders typically feel comfortable with borrowers in this range, sometimes offering them unique benefits and more affordable terms to earn their business.

Whether you’re looking for a mortgage or a credit card with an increased spending limit, a 735 FICO® Score can open financial doors for you.

Learn more about what this score can help you qualify for and how you might further build it below.

What Does a 735 Credit Score Mean?

Lenders consider a 735 FICO Score to be a “good” credit score. Credit score ranges are usually from 300 to 850, with higher scores indicating better creditworthiness. Here’s a breakdown of credit score ranges:

•   Poor: 300-579

•   Fair: 580-669

•   Good: 670-739

•   Very Good: 740-799

•   Excellent: 800-850

A FICO credit score of 735 falls within the “good” range, meaning you have a solid credit history. Lenders often offer favorable terms, such as lower interest rates, to individuals with scores in this range. It’s also bordering on the “very good” category, meaning you could have an even better standing credit-wise by building your score by five points.

How to Get a 735 Credit Score

Borrowers can work toward a “good” credit score of 735 by practicing some healthy financial practices:

•   Payment history: Timely payment of bills, including credit cards, loans, and other debts, is crucial. Late payments or defaults can damage your score.

•   Credit utilization: This is the ratio of your credit card balances to your credit limits. Maintaining no more than a 30% credit utilization rate can demonstrate responsible credit management. For instance, if you have a credit card with a limit of $10,000, spending $3,000 or less monthly with it can help build your credit score.

•   Length of credit history: The longer your credit history, the better. For example, getting a credit card at 20 years old, paying it on time, and keeping the account open can be a positive vs. closing a line of credit you don’t use that often.

•   Credit mix: A diverse mix of credit types, including credit cards, loans, and mortgages, can have a positive impact on your credit profile.

•   New credit: Be cautious about applying for too many new credit accounts within a short timeframe. It could temporarily ding your credit score and is generally seen as risky behavior by lenders.

What Else Can You Get with a 735 Credit Score?

Having a 735 credit score can provide various financial advantages and open up opportunities. Here’s an explanation of the benefits that may be associated with having and maintaining a good credit score:

•   Loan access: Lenders use credit scores to assess risk when borrowers apply for loans. A 735 FICO Score indicates responsible credit behavior, potentially making you more likely to be approved for loans, including mortgages, car loans, and personal loans.

•   Preferred interest rates: A good credit score may translate into lower interest rates because lenders may perceive less risk in lending. In essence, lenders compete for low-risk borrowers and use more affordable interest rates to attract the most reliable borrowers. This dynamic could work in your favor, ultimately saving you money over the life of the loan.

•   Favorable loan terms: Borrowers with a credit score of 735 may qualify for more favorable loan terms. For example, you might enjoy waived fees, increasing loan affordability.

•   Expanded access to credit: A good credit score can give you access to a wider range of credit options. For instance, you might receive offers for more generous credit card rewards or for increased lines of credit.

•   Stronger tenant profile: Landlords often check the credit histories of potential tenants to assess their financial responsibility. A good credit score can enhance your attractiveness as a tenant, making it easier to rent an apartment.

•   More affordable utility installation: Some utility companies may check your credit score before providing services. A good credit score can allow you to avoid security deposits for cable or internet equipment.

Can I Get a Credit Card with a 735 Credit Score?

When you apply for a credit card, the company typically reviews your credit as part of how they determine if they want to do business with you. Often, credit card issuers are looking for a score of 670 or higher.

A 735 FICO credit score demonstrates a history of responsible borrowing and spending. As a result, you may qualify for many cards and rewards programs with this credit score. Your score may also help you obtain lower interest rates and expanded credit limits.

Can I Get an Auto Loan with a 735 Credit Score?

Auto lenders generally prefer borrowers with credit scores of at least 661, with higher scores resulting in better terms and rates. Therefore, a 735 FICO Score will qualify you for an auto loan and may help you lower your interest rate.

Remember, the rest of your financial circumstances, including your monthly income and ability to make a down payment, can affect what kind of auto loan you receive.

Can I Get a Mortgage with a 735 Credit Score?

A 735 credit score exceeds the usual qualification standards for all mortgage types. As a result, you can qualify for a mortgage with that score if you meet the other standards, including a debt-to-income ratio under 36%, a consistent employment history, and a house within your borrowing limit.

This credit score can help you get better interest rates because it surpasses typical minimum scores for all mortgages, including:

•   620 for conventional loans

•   700 for jumbo loans

•   500 with FHA loans with a 10% down payment or 580 with a 3.5% down payment

•   620 for VA loans

•   580 for USDA loans

Can I Get a Personal Loan with a 735 Credit Score?

Lenders prefer borrowers with credit scores of at least 670 for personal loans. So, a 735 credit score can qualify you for lower terms and more favorable rates. However, like other loan types, personal loans require a robust financial profile. Borrowers also need a low debt-to-income ratio and steady monthly income to qualify.

The Takeaway

A credit score of 735 is in the “good” range of FICO Scores, helping to position you to borrow at favorable rates and potentially qualify for numerous loan types. The path to achieving and maintaining a 735 credit score involves cultivating healthy financial habits, encompassing timely payments, judicious credit utilization, a diverse credit mix, and applying to new credit sparingly.

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.