You can borrow $50,000 - $100,000+ with a 730 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.
The best personal loans for a 730 credit score are from LightStream because they offer $5,000 - $100,000 with APRs of 7.49% - 25.99% and repayment periods of 24 - 84 months. You will need a credit score of 730+ to qualify for a personal loan from LightStream.
Best Personal Loans for a 730 Credit Score
| Lender | Loan Amounts | APRs | Credit Score Requirement |
| LightStream | $5,000 - $100,000 | 7.49% - 25.99% | 660 |
| SoFi | $5,000 - $100,000 | 8.99% - 29.99% Fixed APR with all discounts | 680 |
| Wells Fargo | $3,000 - $100,000 | 7.49% - 23.24% | 660 |
| USAA | $1,000 - $100,000 | 10.34% - 18.51% | Not disclosed |
| Discover | $2,500 - $40,000 | 7.49% - 24.99% | 660 |
For more information, check out WalletHub’s complete picks for the best personal loans. Then, you can estimate your potential rates with our free pre-qualification tool.
This answer was first published on 08/26/22. 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.
FAQs
You can borrow $50,000 - $100,000+ with a 730 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.
What kind of house can I get with a 730 credit score? ›
Conventional Loan
Since you have a 730 credit score, the ideal type of mortgage we would recommend is the traditional kind of home loan. Conventional loans are a good idea, especially if you're looking to buy an investment home, vacation house, or rental property.
Can I get a personal loan with a credit score of 730? ›
If you have a credit score of 730 or higher, you are likely to have access to a wide range of financial products and services, including personal loans with favorable terms and conditions.
What APR will I get with a 730 credit score? ›
According to MyFICO, as of November 2022, the average APR on a 60-month new auto loan for someone with a FICO Score of 720 or higher is 5.64%. With a score in the 690-719 range, it's 6.83%. And for a borrower with a score in the 660-689 tier, the average APR is 9.19%.
What mortgage rate can I get with a 730 credit score? ›
Mortgage rates as of May 30, 2024
| FICO® score | APR | Monthly payment * |
|---|
| 760-850 | 6.665% | $1,929 |
| 700-759 | 6.887% | $1,973 |
| 680-699 | 7.064% | $2,009 |
| 660-679 | 7.278% | $2,052 |
2 more rowsBest Personal Loans for a 730 Credit Score
| Lender | Loan Amounts | APRs |
|---|
| SoFi | $5,000 - $100,000 | 8.99% - 29.99% Fixed APR with all discounts |
| Wells Fargo | $3,000 - $100,000 | 7.49% - 23.24% |
| USAA | $1,000 - $100,000 | 10.34% - 18.51% |
| Discover | $2,500 - $40,000 | 7.49% - 24.99% |
1 more rowAug 26, 2022
What credit score is needed to buy a $300K house? The required credit score to buy a $300K house typically ranges from 580 to 720 or higher, depending on the type of loan. For an FHA loan, the minimum credit score is usually around 580.
What can I do with a 730 credit score? ›
What Does a 730 Credit Score Get You?
| Type of Credit | Do You Qualify? |
|---|
| Home Loan | YES |
| Personal Loan | YES |
| Auto Loan | YES |
| No Annual Fee Credit Card | YES |
2 more rowsCredit score distribution: How rare is an exceptional 800 to 850 score?
| FICO® Score range | Percent within range |
|---|
| 600-649 | 9% |
| 650-699 | 12% |
| 700-749 | 17% |
| 750-799 | 24% |
4 more rowsMay 31, 2023
The “prime range” runs from 661 through 780. If your credit score is anywhere between 700 to 709, you are in the middle of this segment, and you can get competitive rates to finance your vehicle. However, these depend on your shopping habits, income, and debt-to-income ratio.
You'll usually need a credit score of at least 640 for the zero-down USDA loan program. VA loans with no money down usually require a minimum credit score of 580 to 620. Low-down-payment mortgages, including conforming loans and FHA loans, also require FICO scores of 580 to 620.
Where does a credit score of 730 rank? ›
Understanding a 730 credit score
Excellent: 781 to 850. Good: 661 to 780. Fair: 601 to 660. Poor: 500 to 600.
What is a good credit score out of 730? ›
670-739: Good. 740-799: Very good. 800-850: Excellent.
What credit score is needed to buy a $400,000 house? ›
Your credit score has less bearing on your ability to get a mortgage than you might think. The minimum FICO score for a conventional loan is 620. The best rate comes with a score of 740 or higher.
What credit score do I need to buy a 500000 house? ›
Expect most mortgage lenders to want minimum credit scores of 620 or even 640.
What is the lowest acceptable credit score to buy a house? ›
For a conventional mortgage in California, you typically need a minimum score of at least 600. If you qualify for certain government-backed loans, however, you may be able to buy a home with a score as low as 500. Read on to learn about credit scores and how they affect your ability to make a home purchase.
Can I rent an apartment with a 730 credit score? ›
In general, a landlord will look for a credit score that is at least “good,” which is generally in the range of 670 to 739.
