The best personal loans for a 680 credit score are from LightStream, SoFi and Discover. The minimum credit score required for these lenders is either equal to or lower than 680, which is in the fair credit range.
A credit score of 680 is above the typical credit score required to get a personal loan with no origination fee (660). People with this score or above have a lot of choices, but some options are better than others. The following loans offer the most competitive rates, fees and dollar amounts for this credit score range.
Best Personal Loans for a 680 Credit Score
- LightStream: 660+ credit score needed.
- SoFi: 680+ credit score needed.
- Discover: 660+ credit score needed.
- American Express: 660+ credit score needed.
- Wells Fargo: 660+ credit score needed.
Keep in mind that even with a 680 credit score, you're not guaranteed to get approved for any of these loans. When making a decision on whether or not to approve you, a lender will look at your whole financial profile, including things like your income, existing debts, housing status and more.
This answer was first published on 03/31/21 and it was last updated on 06/04/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
People also ask
What credit score is needed for a personal loan?
The minimum credit score for personal loan approval is 580, depending on the lender. That means it is possible to get an unsecured personal loan with a bad credit score, though such a loan will likely have an origination fee.
For your reference, WalletHub researched some of the most popular lenders to find out more about their specific loan requirements.
Credit Score for Personal Loan Approval by Lender
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What are the personal loan requirements?
Major personal loan requirements include being 18+ years old, having a bank account, having a high enough credit score for the lender, and having enough income or assets to afford monthly loan payments. Some personal loans may have additional requirements, such as providing pay stubs or collateral to secure the loan.
Specific requirements vary by lender. Avant requires a credit score of 580 or higher, for example, while Prosper sets the bar at 560...
How hard is it to get a personal loan?
A personal loan generally is not hard to get as long as you have enough income to repay the loan. You can get personal loans from banks, online lenders, and credit unions, and you should be able to get approved with a credit score of 580 or higher.
Some unsecured personal loans are available to people with lower credit scores, but you have to watch out for predatory interest rates. For example, one good...
