You can borrow over $100,000 with a 770 credit score if you get a mortgage or a home equity loan. Keep in mind, the exact amount of money you will get depends on other factors in addition to your credit score, such as your income, your employment status and even the lender.
If you’re more interested in a personal loan, you could borrow up to $100,000. The best personal loans for a 770 credit score are from LightStream because they offer $5,000 - $100,000 in funding with APRs of 7.49% - 25.99% and repayment periods of 24 - 84 months.
Best Personal Loans for a 770 Credit Score
Lender | Loan Amounts | APRs | Credit Score Requirement |
LightStream | $5,000 - $100,000 | 7.49% - 25.99% | 680 |
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 over $100,000 with a 770 credit score if you get a mortgage or a home equity loan. Keep in mind, the exact amount of money you will get depends on other factors in addition to your credit score, such as your income, your employment status and even the lender.
What loan can I get with a 770 credit score? ›
Student loans are some of the easiest loans to get with a 770 credit score, seeing as roughly 90% of them are given to applicants with a credit score below 780.
How much money can I borrow with a 700 credit score? ›
You can borrow from $1,000 to $100,000 or more with a 700 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.
How big of a loan can I get with 780 credit score? ›
Best Personal Loans for a 780 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
Is 770 a good enough credit score? ›
A good FICO score is 670 to 739, according to the company's website. FICO says scores of 580 to 669 are considered "fair" and 740 to 799 are considered "very good." Anything at 800 or above is considered "exceptional."
What credit score is needed for a $300000 loan? ›
For a $300,000 home, you'll likely need a good credit score: 740+: Best rates and terms. 700-739: Slightly higher rates. 660-699: Higher rates, may require larger down payment.
What credit score do I need to get a 40000 loan? ›
Most lenders evaluate the following before making a lending decision: Credit: Your credit score shows how well you have handled past borrowed money. To qualify for a $40,000 loan, you'll typically need a credit score upwards of 670 or a co-signer with good or excellent credit.
Can I get a $20000 loan with a 700 credit score? ›
As far as qualifying, you'll often need good or better credit (a FICO score above 670), and a stable income source that shows you can afford the payments. Annual percentage rates (APRs) for personal loans typically range from around 6% to 36%, depending on your credit profile and other factors.
How big of a personal loan can I get with a 720 credit score? ›
Personal loan averages by credit score
Credit score range | Average APR | Average loan amount |
---|
720+ | 18.66% | $18,554 |
680-719 | 30.04% | $15,619 |
660-679 | 41.99% | $11,532 |
640-659 | 53.29% | $8,707 |
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How big of a loan can you get with a 760 credit score? ›
You can borrow over $100,000 with a 760 credit score if you get a mortgage or a home equity loan. Keep in mind, the exact amount of money you will get depends on other factors in addition to your credit score, such as your income, your employment status and even the lender.
Typically, a desirable credit score for a $25,000 personal loan is around 670 and above, but some lenders work with those who have scores from 580 and up. Demonstrating that you have enough income to pay the monthly loan payments is essential. Lenders may request your pay stubs to assess income.
What kind of loan can I get with a 780 credit score in India? ›
Unsecured Personal Loans: These loans do not require collateral and are based solely on your creditworthiness. With a credit score of 780, you are more likely to qualify for unsecured personal loans with favorable terms.
How big of a loan can you get with a credit score of 800? ›
If you're more interested in a personal loan, you could borrow up to $100,000. The best personal loans for an 800 credit score are from LightStream because they offer $5,000 - $100,000 in funding with APRs of 7.49% - 25.99% and repayment periods of 24 - 84 months.
What kind of loan can I get with a 770 credit score? ›
A 770 credit score is often considered very good — or even excellent. A very good or excellent credit score can mean you're more likely to be approved for good offers and rates when it comes to mortgages, auto loans and credit cards with rewards and other perks.
Can I buy a house with a 770 credit score? ›
About 70% of all mortgages are conventional loans, making it the most common type of mortgage. A FICO score of 620 or better is typically required for a conventional loan and, if your score is 760 or higher, you should qualify for the best interest rates.
How to get past 770 credit score? ›
Improving Beyond a 700 Credit Score
- Diversify your credit mix. Having a good mix of different types of loans and credit cards won't necessarily make a difference when you're applying for credit. ...
- Keep your credit utilization rate as low as possible. ...
- Keep paying on time. ...
- Be patient.
What credit score do you need for a 250k loan? ›
For a $250,000 home, you'll likely need a fair to good credit score: 740+: Best rates and terms. 680-739: Good rates, still very good affordability. 620-679: Higher rates, may require larger down payment or FHA loan.
What credit score is needed for a 9000 loan? ›
You will likely need a credit score of at least 600 for a $9,000 personal loan. Most lenders that offer personal loans of $9,000 or more require fair credit or better for approval, along with enough income to afford the monthly payments.