Personal Loans
Personal Loans
for Fair Credit
Fair credit — typically a FICO score between 580 and 669 — doesn't limit your options the way bad credit does. Harbor Lenders connects borrowers with a network of participating lenders who consider income, employment, and other factors alongside credit history.
No hard credit pull · Free to check · ~2 min
Credit context
What fair credit means for your options
Fair credit defined
A FICO score between 580 and 669 is generally considered fair. Many lenders in the Harbor network work with borrowers in this range.
More options than bad credit
Borrowers with fair credit typically qualify for more lenders and may access higher amounts or more competitive rates than those with poor credit.
Income still matters
Steady income — from employment, self-employment, or benefits — can strengthen a request at any credit tier, including fair credit.
Free to check
Submitting a request through Harbor Lenders does not require a hard credit pull and costs nothing. See what may be available before committing.
By state
Fair credit loans by state
Alabama
Avg score: 692
Alaska
Avg score: 722
Arizona
Avg score: 712
Arkansas
Avg score: 695
California
Avg score: 722
Colorado
Avg score: 731
Connecticut
Avg score: 726
Delaware
Avg score: 714
Florida
Avg score: 707
Georgia
Avg score: 695
Hawaii
Avg score: 732
Idaho
Avg score: 730
Illinois
Avg score: 720
Indiana
Avg score: 712
Iowa
Avg score: 730
Kansas
Avg score: 722
Kentucky
Avg score: 705
Louisiana
Avg score: 690
Maine
Avg score: 731
Maryland
Avg score: 715
Massachusetts
Avg score: 732
Michigan
Avg score: 719
Minnesota
Avg score: 742
Mississippi
Avg score: 680
Missouri
Avg score: 714
Montana
Avg score: 732
Nebraska
Avg score: 731
Nevada
Avg score: 701
New Hampshire
Avg score: 736
New Jersey
Avg score: 724
New Mexico
Avg score: 702
New York
Avg score: 722
North Carolina
Avg score: 709
North Dakota
Avg score: 733
Ohio
Avg score: 716
Oklahoma
Avg score: 696
Oregon
Avg score: 732
Pennsylvania
Avg score: 722
Rhode Island
Avg score: 721
South Carolina
Avg score: 700
South Dakota
Avg score: 734
Tennessee
Avg score: 706
Texas
Avg score: 695
Utah
Avg score: 730
Vermont
Avg score: 737
Virginia
Avg score: 723
Washington
Avg score: 735
West Virginia
Avg score: 702
Wisconsin
Avg score: 738
Wyoming
Avg score: 725
Check your options today
Fair credit opens more doors. One request, no hard credit pull.