Personal loans
Personal loans for fair credit
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What to expect with a score in the 600s.
Compare offersWith fair credit you will usually see more choices than with bad credit, and your income and debt load carry a lot of weight.
Comparing several offers matters most in this range, because rates can vary a lot from lender to lender.
Before you apply
- Know your debt-to-income ratio before you apply.
- Compare at least three offers.
- Look at the APR, not just the rate.
Questions
What is a fair credit score?
Generally a score in the 600s.
How do I get a better rate with fair credit?
Lower your card balances and compare multiple lenders.
Can I add a cosigner?
Many lenders allow it, and it can improve your terms.
More: all personal loans · loan calculator · requirements
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Lending Gurus compares options and doesn’t lend. We may earn a referral fee when you apply through our links, but no lender pays for a review or a score, and partner status never changes one. Advertiser disclosure.