Personal Loans for an 680 Credit Score

Is a 680 credit score a good score?

A credit score of 680 is considered to be a “Good” credit score, although on the lower end of the scale. This good credit score will open you up to more personal loan options and better rates than if you were to only have fair credit, but you will likely not be able to secure a low (under 10%) interest rate.

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

Yes, you can get a personal loan with a credit score of 680, however, there will still be some loans that are harder to qualify for without a credit score of at least 700. With that said, you should be able to find a term length and rate that is affordable for you so that you can obtain the funding you need.

It’s also important to remember that your income and debt-to-income ratio will also be a big factor in what loan you can qualify for. Essentially, the better the income and the lower the debt-to-income ratio, the more you can borrow. Your debt-to-income ratio is how much debt you have compared to how much you make. You should aim to have a debt-to-income ratio of less than 20% before you think about taking on a new loan.

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

• Rates: 95% - 35.99%
• 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

• Rates: 99% - 35.99%
• 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

• Rates: 99% - 24.99%
• 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

• Rates: 99% - 29.99%
• 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

• Rates: 24% - 19.99%
• 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

• Rates: 3% - 36.0%
• 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

• Rates: 99% - 35.99%
• 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

• Rates: 18% - 35.99%
• 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