Find Loans by Credit Score in 2026

Your credit score determines the rates and loan products available to you. Whether you have excellent credit or are rebuilding after financial hardship, we help you find lenders that match your credit profile. Select your credit tier below to see tailored loan options.

Excellent Credit

Best loan rates for borrowers with excellent credit scores of 720 and above.

Score Range: 720-850
Typical APR: 5.99% - 10.99%

Good Credit

Competitive loan rates for borrowers with good credit scores between 690 and 719.

Score Range: 690-719
Typical APR: 8.99% - 14.99%

Fair Credit

Loan options for borrowers with fair credit scores between 630 and 689.

Score Range: 630-689
Typical APR: 13.99% - 21.99%

Poor Credit

Specialized loan programs for borrowers with poor credit scores between 580 and 629.

Score Range: 580-629
Typical APR: 19.99% - 29.99%

Bad Credit

Alternative loan solutions for borrowers with bad credit scores below 580.

Score Range: 300-579
Typical APR: 24.99% - 35.99%

How Credit Scores Affect Loan Rates

Lenders use your FICO score to assess risk. Borrowers with scores above 720 typically receive the lowest APRs, while those below 580 may face higher rates or need secured products. Even a 20-point improvement can unlock significantly better terms. We recommend checking your credit report before applying and disputing any inaccuracies.

Tips to Improve Your Credit Score

  • Pay all bills on time; payment history accounts for 35% of your score.
  • Keep credit utilization below 30% of your total available credit.
  • Avoid closing old accounts; length of credit history matters.
  • Limit new credit inquiries to a 14-day window when rate shopping.
  • Dispute errors on your credit report with all three bureaus.

Important Disclaimer

LoanMatchers is not a lender and does not make credit decisions. We connect consumers with licensed lending partners. All loan terms, rates, and fees are determined by the lender and are subject to credit approval. APRs range from 5.99% to 35.99%. Not all applicants will qualify for the lowest rates. This website provides general information and does not constitute financial, legal, or tax advice. Consult a qualified professional before making financial decisions. Rates and terms are accurate as of 2026 but subject to change without notice.