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Most personal loan lenders require a minimum credit score of 580–600, with competitive rates beginning around 670 and the best rates reserved for borrowers at 720 or above.

There is no minimum credit score required to buy a car — but your score determines the interest rate you pay, which can mean the difference of tens of thousands of dollars over the life of a loan.

Most lenders require a minimum credit score of 620 to qualify for a HELOC, with the best rates and highest credit limits reserved for borrowers at 680 or above.

FHA loans require a minimum credit score of 580 for a 3.5% down payment, or 500–579 for a 10% down payment — but most lenders impose their own higher minimums on top of the FHA’s official floor.

The Apple Card is issued by Goldman Sachs and requires good credit — most approved applicants have a score of 670 or higher, with the strongest approval odds starting around 700.

Affirm is a buy now, pay later and installment loan platform with no published minimum credit score — but approval depends heavily on which product you’re applying for and the size of the purchase.

FICO Score 8 is the most widely used credit scoring model in the United States, scoring consumers on a scale of 300 to 850 — and a “good” score starts at 670.

The credit score you need for a credit card depends on the card tier — secured cards are available with no credit history, while premium rewards cards typically require a score of 720 or higher.