Personify Financial’s APR can reach {{personify-financial-personal-loans.features.interest_rate.value2}}% on loans up to {{currency personify-financial-personal-loans.features.loan_amount.value2}} with no cosigner option, while OneMain Financial caps APR at {{onemain-financial-personal-loans.features.interest_rate.value2}}%, lends up to {{currency onemain-financial-personal-loans.features.loan_amount.value2}}, and accepts cosigners or vehicle collateral for lower rates.

OneMain Financial specializes in fair-to-poor credit (typically below 660 FICO) and accepts cosigners, while Avant offers a lower APR floor of {{avant-loans.features.interest_rate.value}}%, larger loans up to {{currency avant-loans.features.loan_amount.value2}}, and a strongly recommended SuperMoney community rating.

OneMain Financial specializes in fair-to-poor credit (typically below 660 FICO) and accepts cosigners, while Upstart offers a lower APR floor of {{upstart-personal-loans.features.interest_rate.value}}% and larger loans up to {{currency upstart-personal-loans.features.loan_amount.value2}}.

LendingPoint caps origination fees at {{lending-point-personal-loans.features.origination_fee_pct.value2}}% and offers terms up to {{lending-point-personal-loans.features.loan_term_range__months_.value2}} months, while Upstart has a lower APR floor of {{upstart-personal-loans.features.interest_rate.value}}% and a wider loan range of {{upstart-personal-loans.formatted.loan_amount}}.

Oportun approves borrowers with no credit history and funds loans as small as {{currency oportun-personal-loans.features.loan_amount.value}}, while Upstart offers APRs from {{upstart-personal-loans.formatted.interest_rate}} and loans up to {{currency upstart-personal-loans.features.loan_amount.value2}}.

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.