Personal Loans
Personal Loans for 620+ Credit Scores
A FICO score of 620 or above opens more lender options and better rates. Lenders in our network weigh income and employment alongside your credit history.
620+ credit score · Income-weighted decisions · No hard pull
Credit context
What fair credit means for your options
Fair credit defined
A FICO score of 620 or above is the range where most participating lenders start to see meaningful options. Scores from 620 to 669 are considered fair; 670 and above is good.
Income is the strongest lever
Stable, verifiable income matters more than most borrowers expect. Lenders weigh your ability to repay alongside your credit history.
Better rates than lower tiers
Borrowers with a 620+ score typically qualify for more lenders and lower APRs than those below that threshold.
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
Take Control of Your Financial Options
Fair credit opens more doors. One request, no hard credit pull.