Written by: Matt Walker
Edited by: Lillian Guevara-Castro
Reviewed by: Ashley Fricker
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: 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 millions of consumers get the personal loans they need, regardless of credit — and they’ll work to do the same for you.
- Personal loans from $500 to $35,000
- All credit types are considered and welcome
- Simple, no credit impact form
- Helping consumers since 2001
- 4.7 out of 5 Trustpilot rating with 2,000+ reviews!
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $35,000 | 5.99% - 35.99% | 60 Days to 72 Months | See representative example |
2. 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 |
- Small personal loans starting at $100
- Receive an approval decision in as little as 2 minutes
- Funds can be deposited into your account in one business day and used for any purpose
- No hidden fees
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $100 to $20,000 | Varies | Varies | See representative example |
+ See More Personal Loans for Fair Credit
You may qualify for a personal installment loan you can repay over several years or a short-term cash advance you can repay with your next paycheck. You may receive several offers to compare so you can easily decide which is best for you.
Credit Cards: 600-650 Credit Score
Consumers who have credit scores that fall between 600 and 650 aren’t 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” credit territory, the cards and credit accounts listed below may help you get to the next stage in your financial journey with timely payments.
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free Access to your Credit Score†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
| Application Length | Interest Rate | Reports Monthly | Reputation Score |
|---|---|---|---|
| 7 minutes | 36% Fixed | Yes | 8.0/10 |
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- $0 fraud liability**
- Free access to your VantageScore 4.0 credit score from TransUnion®†
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
| Application Length | Interest Rate | Reports Monthly | Reputation Score |
|---|---|---|---|
| 7 minutes | 36% Fixed | Yes | 8.0/10 |
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
| Application Length | Interest Rate | Reports Monthly | Reputation Score |
|---|---|---|---|
| 8 minutes | 35.90% Fixed | Yes | 8.0/10 |
+ See More Credit Cards For Fair Credit
The cards above offer cash back rewards and/or higher credit limits than you’d get with a poor credit score. But be sure to carefully read the cards terms and conditions so you know exactly how much you’ll be charged. Some cards for less-than-perfect credit tack on fees after your first year of card ownership.
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 |
8. LendingTree
- Auto loans for purchase, refinance, and lease buyouts
- Nationwide lender network
- Get matched with up to 5 lenders that fit your financial profile
- It only takes a few minutes and is free with no obligation
- See application, terms, and details.
| Interest Rate | In Business Since | Application Length | Reputation Score |
|---|---|---|---|
| Varies | 1998 | 4 minutes | 9.5/10 |
- 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 |
+ See More Auto Loans for Fair Credit
The nice thing about auto loans is that just about anyone can get one, because lenders know people need reliable means of transportation. A fair credit score above 600 should easily pave the way to an auto loan, albeit with a higher interest rate. But remember, you can always refinance a high rate later if your credit score improves.
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. Rocket Mortgage
- America's largest mortgage lender
- The entire process is completed online
- Options for new mortgages and refinancing existing mortgages
- Award-winning customer service and cutting-edge digital platforms
- More than 90% of clients would recommend us
- See application, terms, and details
| Interest Rate | In Business Since | Application Length | Reputation Score |
|---|---|---|---|
| Varies | 1985 | 5 minutes | 9.5/10 |
-
- Buy a home or refinance your existing mortgage
- Cash-out refis and HELOCs available
- Flexible credit requirements
- Up to $8,000 in down payment assistance, see terms.
- Popular with first-time homebuyers See application, terms, and details.
| Interest Rate | In Business Since | Application Length | Reputation Score |
|---|---|---|---|
| Varies | 2003 | 5 minutes | 9.5/10 |
12. Unlock
- Access between $30,000 and $500,000 without monthly payments
- See how much you can access with a no-obligation quote, and no impact on your credit score
- No need for perfect credit - minimum 500 FICO required
- Funding in 30-60 days
- Not available in every state
- See application, terms, and details.
| Interest Rate | In Business Since | Application Length | Reputation Score |
|---|---|---|---|
| No Interest | 2019 | 10 minutes | 9.0/10 |
+ See More Home Loans for Fair Credit
Rocket Mortgage is America’s largest home lender, and has a minimum credit score requirement of 580. Sitting at 600 or above, you should be able to get the home loan you need if your debt-to-income ratio is 43% or less.
FAQs About Fair Credit Scores & Loans
We have the answers to your credit dilemmas. Here are some commonly asked questions and answers about 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 718 — 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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