Personal Loans for an 680 Credit Score

Is a 680 credit score a good score?

A credit score of 680 is considered a "Good" credit score, offering several advantages in the lending landscape. While it may not be in the "Excellent" range, which typically starts around 750, a 680 credit score still demonstrates responsible credit management. With a good credit score, you can qualify for a variety of personal loan options and potentially access better interest rates compared to individuals with lower credit scores. While securing a low-interest rate below 10% may be challenging with a 680 credit score, improving your credit profile and maintaining healthy financial habits can help you qualify for more favorable loan terms in the future.

Can I get a personal loan with a 680 credit score?

Absolutely! While a credit score of 680 may not be considered excellent, it still falls within the range of "Good" credit. Many lenders offer personal loans to individuals with a 680 credit score, allowing you to access the funding you need. However, it's important to note that loan options and terms may vary based on your specific financial situation.

In addition to your credit score, lenders also consider other factors such as income and debt-to-income ratio when evaluating your loan application. A higher income and a lower debt-to-income ratio can strengthen your overall financial profile and increase your chances of qualifying for a personal loan with favorable terms.

It's also essential to assess your affordability and ensure that the loan you seek fits within your budget. By maintaining a healthy debt-to-income ratio and demonstrating responsible financial behavior, you can improve your credit score over time and gain access to even more favorable loan options.

Best Personal Loans for 680 Credit Score

When you are looking for a personal loan with a 680 credit score, it is important that you take the time to compare as many lenders as possible to ensure you are getting the best loan for you.

Our top personal loans for a 680 credit score are (in no particular order):

Avant

Offers Loans of $2,000 - $35,000

• Minimum Score: 550
• Terms: 2-5 years
• Minimum Income: $1,200 a month
• Pros:
  • you only need a credit score of 550
  • they can provide you with funding as soon as the next working day
  • you won’t be subject to a penalty if you repay early
  • you only need a monthly income of at least $1,200
• Cons:
  • there is an origination fee
  • not available in CO, IA, HI, VT, NV, NY, and WV

Best Egg

Offers Loans of $20,000 - $50,000

• Minimum Score: 600
• Terms: 2-5 years
• Pros:
  • you can receive funding within 1-3 business days
  • you won’t be subject to a penalty if you repay early
  • you only need a credit score of at least 600
• Cons:
  • there is an origination fee
  • not available in DC, IA, VT, WV

Discover

Offers Loans of $2,500 - $35,000

• Minimum Score: 660
• Terms: 3-7 years
• Pros:
  • loan terms offered up to 7 years
  • you can receive funds as soon as the next working day
  • available in every state
  • Soft credit search available
• Cons:
  • Cannot have a co-signer

Happy Money

Offers Loans of $5,000 - $40,000

• Minimum Score: 600
• Terms: 2-5 years
• Pros: Soft credit check before you apply
• Cons:
  • you may have to wait up to 5 days to receive funding
  • there is an origination fee
  • funding can only be used for credit card consolidation

LightStream

Offers Loans of $5,000 - $100,000

• Minimum Score: 660
• Terms: 2-7 years
• Pros:
  • Lower rates
  • can fund same day
  • no fees
  • soft credit check before you apply
• Cons:
  • Not available in RI and VT
  • You will be at the lower end of what they accept

LendingClub

Offers Loans of $1,000 - $40,000

• Minimum Score: 600
• Terms: 3 or 5 years
• Pros:
  • available in every state
  • you won’t be subject to a penalty if you repay early
  • funding typically takes 2 days to be received
• Cons:
  • there is an origination fee
  • relatively high interest rates

LendingPoint

Offers Loans of $2,000 - $36,500

• Minimum Score: 580
• Terms: 2-6 years
• Pros:
  • Next-day funding
  • soft credit check before you apply
  • Accepts a lot lower score than yours
• Cons:
  • Origination fee
  • not available in NV and WV

OneMain Financial

Offers Loans of $1,500 - $20,000

• Minimum Score: None
• Terms: 2-5 years
• Pros:
  • No minimum score
  • soft credit check before you apply
  • Fast funding
• Cons:
  • High starting rate
  • Origination fee
  • Best only for those looking for a small loan