Written by: Matt Walker
Edited by: Lillian Guevara-Castro
Millions of Americans have credit scores that limit their financial options and keep them from the credit they need. But it doesn’t have to be that way. With our choices for the best loans and credit cards for 600 to 650 credit scores, you can increase your approval odds and start rebuilding your credit profile as soon as today.
That’s because the credit card issuers and lenders on this list specialize in working with consumers who have fair credit histories. They also offer fast approvals, and, in some cases, next-day funding for loans.
That means you won’t have to cross your fingers and hope for the best as you wait for approval. You can take control of your credit right away and start building your new financial future.
Personal Loans | Credit Cards | Auto Loans | Home Loans | FAQs
Personal Loans: 600-650 Credit Score
Personal loans are among the most desirable types of loans because they don’t place conditions on how you can spend your borrowed money. While mortgage loans limit you to home purchases and auto loans are meant for new or used vehicles, a personal loan has no strings attached.
The lenders below have helped thousands of consumers get the personal loans they need, regardless of credit — and they’ll work to do the same for you.
1. MoneyMutual
- Short-term loans up to $5,000
- Online marketplace of lenders
- Funds available in as few as 24 hours
- Simple online form takes less than 5 minutes
- Trusted by more than 2 million customers
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| Up to $5,000 | Varies | Varies | See representative example |
MoneyMutual offers short-term loans of up to $2,500 from a network of lenders across the country. Qualifying applicants can fill out one pre-qualifying application and potentially receive multiple loan offers in a matter of minutes.
Applicants must have at least $800 in verifiable monthly income to qualify. MoneyMutual isn’t available to residents of New York.
2. CashUSA.com
- Loans from $500 to $10,000
- Receive a loan decision in minutes
- Get funds directly to your bank account
- Use the loan for any purpose
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $10,000 | 5.99% - 35.99% | 3 to 72 Months | See representative example |
If you have at least $1,000 in verifiable monthly income after taxes, you may qualify for a loan of up to $10,000 from the CashUSA.com network. Loan terms span from between three to 72 months with interest rates as low as 5.99%. Since the network partners with many different lenders, the loan offers you receive will have varying terms and conditions.
- Loans from $250 to $5,000
- Cash deposited directly into your account
- Get money as soon as tomorrow
- Bad credit OK
- More than 750,000 customers since 1998
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $250 to $5,000 | Varies | Varies | See representative example |
CreditLoan.com offers one of the smallest minimum loans in the online marketplace sector. The network accepts applications for loans of $250 up to $5,000 with no minimum credit score requirement. If approved, you could receive your loan funds electronically in as little as 24 hours.
Credit Cards: 600-650 Credit Score
Consumers who have credit scores that fall between 600 and 650 often find themselves limited in terms of credit card options. While many card issuers have products designed for applicants with fair credit, they often come with less favorable terms and added fees.
If you’re at the higher end of this range, you’re not that far from tipping into “good” credit territory — which approximately starts with a 670 FICO credit score. That small increase can see a big change in the cards available to you.
Depending on how close you are to graduating into “good” territory, the cards and credit accounts listed below may help you get to the next stage in your financial journey — without costing you a mint in fees.
- Easy application! Get a credit decision in seconds.
- Build your credit history – Fingerhut reports to all 3 major credit bureaus
- Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
- Not an access card
- Click here for official site, terms, and details.
| Application Length | Interest Rate | Reports Monthly | Reputation Score |
|---|---|---|---|
| 5 Minutes | See issuer website | Yes | 9.0/10 |
The Fingerhut Credit Account isn’t an actual credit card as much as it is a revolving credit account. That means you can only use the credit line at Fingerhut and its online partners.
But Fingerhut will report your payment history to the credit bureaus to help rebuild your credit score. In the meantime, you can use your available credit to shop for name-brand merchandise through the online retailer.
- Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit)
- Reports monthly to all three major credit bureaus
| Application Length | Interest Rate | Reports Monthly | Reputation Score |
|---|---|---|---|
| 9 minutes | See Terms | Yes | 8.5/10 |
The Total Visa® Unsecured Credit Card doesn’t require a deposit to open your account, but you will have to pay a one-time program fee upfront and an annual fee when you activate your card.
Still, this card provides fast approval decisions and an unsecured credit card that, with responsible use, helps you rebuild your credit.
- Checking Account Required
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
| Application Length | Interest Rate | Reports Monthly | Reputation Score |
|---|---|---|---|
| 10 minutes | See Terms | Yes | 8.0/10 |
First Access Visa® Card applicants must be 18 or older, reside in the U.S., and have a checking account to apply. Other than that, the issuer has very forgiving standards for approval and offers reliable, unsecured credit for consumers who may have financial problems in their past.
Auto Loans: 600-650 Credit Score
Everyone needs transportation, regardless of their credit score. But that number attached to your credit profile may make you feel like you can’t find a loan to purchase a reliable vehicle. Think again.
The lending networks below process thousands of applications every day and often work to help consumers with bad or fair credit, charge-offs, and even bankruptcies, find the loan they need to get them on the road.
- Network of dealer partners has closed $1 billion in bad credit auto loans
- Specializes in bad credit, no credit, bankruptcy and repossession
- In business since 1999
- Easy, 30-second pre-qualification form
- Bad credit applicants must have $1500/month income to qualify
- See application, terms, and details.
| Interest Rate | In Business Since | Application Length | Reputation Score |
|---|---|---|---|
| 3.99% - 29.99% | 1999 | 3 minutes | 9.5/10 |
A 30-second prequalification form with Auto Credit Express gives you a better idea of your approval odds before you submit an actual application for a loan. If qualified, you can connect with one or more of the many dealer partners in the ACE network that will finance your loan for a new or used vehicle.
After you submit your application, a finance manager from a local dealership will contact you to set up a meeting to go over your financing and car-buying options.
- Free, no-obligation application
- Specializes in auto loans for bankruptcy, bad credit, first-time buyer, and subprime
- Affordable payments and no application fees
- Connects thousands of car buyers with auto financing daily
- See application, terms, and details.
| Interest Rate | In Business Since | Application Length | Reputation Score |
|---|---|---|---|
| Varies | 1994 | 3 minutes | 9.0/10 |
The Car.Loan.com network consists of several lenders who specialize in funding auto loans for consumers who have bad or fair credit histories. In fact, the network claims that it connects thousands of car buyers with auto lenders every day. You won’t pay a fee to use the service and many lenders offer same-day approval and funding.
- Loans for new, used, and refinancing
- Queries a national network of lenders
- Bad credit OK
- Get up to 4 offers in minutes
- Receive online loan certificate or check within 24 hours
- See application, terms, and details.
| Interest Rate | In Business Since | Application Length | Reputation Score |
|---|---|---|---|
| Varies | 2003 | 2 minutes | 7.5/10 |
You can receive multiple loan offers within four minutes of applying to the myAutoloan.com network. That’s because the network instantly shops your request to its host of partner lenders who then bid for your loan. That competition means you can potentially find a more affordable loan with better terms than you expect.
Home Loans: 600-650 Credit Score
Rent is expensive, and it isn’t getting any cheaper. If part of the American Dream is to own a home, then everyone should get a chance to experience that accomplishment.
Several lenders and government agencies have programs in place to help you find a mortgage option. Many programs also lower the required down payment to secure your loan.
10. LendingTree
This offer is currently not available.
| Interest Rate | In Business Since | Application Length | Reputation Score |
|---|---|---|---|
| N/A | N/A | N/A | N/A |
LendingTree offers multiple mortgage types — including new purchase, refinance, home equity, and reverse mortgage loans. The lending network can serve up to five offers within minutes of your application.
Since the network works with several different lenders, each offer has its own terms and conditions. Not every applicant will receive multiple loan offers.
11. FHA Rate Guide
- Options for home purchase or refinance
- Get 4 free refinance quotes in 30 seconds
- Network of lenders compete for your loan
- Trusted by 2 million+ home loan borrowers to date
- Interest rates are near all-time lows
- See application, terms, and details.
| Interest Rate | In Business Since | Application Length | Reputation Score |
|---|---|---|---|
| Varies | 2004 | 4 minutes | 8.5/10 |
If you’re currently in a high-interest mortgage that you’re struggling to pay each month, the FHA Rate Guide can help you secure a refinance loan from one of its many partner lenders. Since 2004, more than 2 million homeowners have used the network to find a refinance loan that lowered their monthly payment and helped them stay in their homes.
- Easy to OwnSM programs give options for those with lower income, limited credit history, and low down payment needs.
- Provides the potential for minimal out-of-pocket expenses with seller contributions.
- Offers loans that don't require monthly mortgage insurance.
- Requires less cash upfront for your down payment and closing costs.
- See application, terms, and details.
| Interest Rate | In Business Since | Application Length | Reputation Score |
|---|---|---|---|
| Varies | 1852 | 6 Minutes | 8.0/10 |
Wells Fargo provides options for buying a home or refinancing an existing mortgage loan. The Easy to Own program provides options to obtain a mortgage with a small down payment and no monthly mortgage insurance. Interest rates vary, based on creditworthiness, with loan terms based on the applicant’s credit history and the property’s value.
FAQs About Fair Credit Scores & Loans
We have the answers to your credit dilemmas. Here are some commonly asked questions and answers around fair credit scores and lending options.
How Bad is a Credit Score of 600?
If you go by FICO’s credit scoring standards, a score of 600 isn’t bad — it’s “fair.” You escape the “very poor” category once your credit score is above 580.
Still, a credit score of 600 isn’t technically good, either. The average American has a FICO score of 706 — and there’s a pretty wide gap between 600 and the average score.
That doesn’t mean your credit score will prohibit you from getting access to credit cards and loans. With responsible use, you can use the loan and credit products available to you to give your credit score a boost.
You’re likely to qualify for credit and loan options that have higher interest rates with a fair credit score. Issuers and lenders add those extra charges to offset the risks they take by extending credit to someone with a history of late payments or defaults.
But, as you show a pattern of on-time payments and responsible credit behavior, you can potentially qualify for upgraded credit cards or loans with better terms. The longer you stay on track, the better your options become.
What Credit Cards Can I Get with a 650 Credit Score?
As stated above, a 650 credit score falls into the “fair” credit category — but it’s only 20 points away from jumping into “good” territory.
You can gain those 20 points as negative items on your credit report, such as late payments, get a little older and lose some impact on your score. If you aren’t in a hurry to acquire a credit card, you may want to consider waiting until you graduate into “good” territory and evaluate the credit cards available to you then.
But if you can’t wait — or you want to acquire a credit card to help you make that jump — then you can research your options for fair credit, including the cards listed above.
The cards you’ll potentially qualify for will often include higher interest rates and added fees. Some issuers offer multiple cards for consumers in different credit categories. In many cases, the issuer can upgrade you to a better card when you prove that you’re a responsible cardholder and your credit score improves.
What Kind of Loan Can I Get with a 620 Credit Score?
Today’s online lending networks regularly help consumers with credit scores even lower than 620 find the loans they need, including personal loans, auto loans, and home loans. That’s because these networks partner with lenders throughout the US, which increases the number of lenders available to you and improves your odds of approval.
These networks allow you to fill out one prequalifying form, which it then shops to its list of partner lenders. You can often complete the entire approval process in a matter of minutes, and, in some cases, the network can return with multiple loan offers for you to choose from.
If you find a loan that works for you, the network will direct you to the lender’s website where you’ll complete the loan paperwork. You’ll continue to work with that lender until you’ve satisfied the loan.
And since each lender reports your payment history to the three major credit reporting bureaus, your payments can help improve your credit score — which increases your options for more affordable loans in the future.
How Can I Improve My Credit Score?
Improving your credit score is a lot like cooking a meal. A really good dish takes time, patience, and a plan.
A lot of companies promote quick fixes that can instantly boost your credit score. Those tactics work with some items, but you can’t remove legitimate negative items from your credit report.
The only way to improve your credit score for good is to use your credit responsibly, pay your bills on time, and avoid taking on more debt than you can manage to pay every month.
Through these methods, your new and improved credit history will eventually override the previous mistakes you’ve made, and your credit score will naturally increase over time. And it may not take as long as you expect to see improvements.
Depending on the negative item that’s weighing down your credit score, you can see improvements in as few as six months. Larger negatives — such as bankruptcies and loan defaults — can take much longer, but as they get older, their impact on your credit score lessens.
Don’t Let Your Credit Score Delay Your Goals
We all have hopes and dreams for our lives. Although our plans may differ, one thing remains the same — almost every dream requires some sort of funding.
If your credit score is keeping you from accomplishing your goals, consider one of our options for the best loans and credit cards for 600 to 650 credit scores. You may realize that your dreams are closer to reality than you think.
Range of credit scores covered in this article: 600, 601, 602, 603, 604, 605, 606, 607, 608, 609, 610, 611, 612, 613, 614, 615, 616, 617, 618, 619, 620, 621, 622, 623, 624, 625, 626, 627, 628, 629, 630, 631, 632, 633, 634, 635, 636, 637, 638, 639, 660, 661, 662, 663, 664, 665, 666, 667, 668, 669, 660
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