Fair Credit
Personal Loans
Credit score 580–669? You're not bad credit — you're fair credit. Get competitive personal loans up to $50,000 built for your credit tier. APR from 5.99%.
Personal Loan Estimator
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Total interest: $2043 over 36 months
What Is Fair Credit— And How It Affects Your Loan
Fair credit sits between bad credit and good credit. FICO defines the range as 580–669; VantageScore uses 601–660. If you're in this band, here's what to expect from personal loan lenders:
What you qualify for
- →Loans up to $20,000–$35,000
- →APRs typically 20%–29%
- →Terms up to 60 months
- →Unsecured (no collateral required)
How to improve your position
- →Add a co-signer with 680+ score
- →Document all income sources
- →Lower your debt-to-income ratio
- →Start with a smaller loan amount
Fair Credit vs Bad Credit vs Good Credit— Loan Comparison
| Score Range | Category | Typical APR | Max Loan |
|---|---|---|---|
| 720–850 | Excellent | 5.99%–12.99% | $50,000 |
| 660–719 | Good | 13%–19.99% | $35,000 |
| 580–659 | Fair | 20%–28.99% | $20,000 |
| Below 580 | Bad | 29%–35.99% | $10,000 |
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Meet the Expert
Sarah Chen
“Over 10 years of experience in consumer lending and personal finance. Sarah leads the PrimeLendings editorial review process, ensuring all content is accurate, compliant, and useful for borrowers.”
Ready to Get Up to $50,000?
Rates from 5.99% APR · Bad credit OK · No hard credit pull · Same-day funding available
Takes 2 minutes · Zero impact to credit score