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Lowest credit score
695 Credit Score – Good Or Bad? (Credit Score Guide)
Any credit score in the 650-699 range is generally considered “Fair”.
A 695 credit score (Fair Credit) is often viewed by lenders as an acceptable credit risk – meaning you will usually be approved for the credit or loan you are seeking.
But you will probably not receive the more competitive offers and rates that having a “Good” credit score (above 700) can provide.
Any score below 700 could use a boost.
If you want some of the best rates and terms lenders have to offer, you need to work on raising your credit score to at least 725, which is well within the “good” range.
What Will a 695 Credit Score Get You?
A 695 credit score falls within the “Fair” range on the scale.
But what will it get you?
How Does a 695 Credit Score Compare?
It’s one thing to find out if your credit credit score is “Good” or “Bad”. But more importantly, how does it compare to others?
Here’s a quick look at how a 695 credit score stacks up:
As shown above, an estimated 16% of all people have a score in the 650-699 range.
How To Improve Your Credit Score The Right Way
Once upon a time, my credit score was 695 too. I wasn’t happy. It didn’t allow me to get the credit cards and loan rates I desired.
So I decided to make a change.
My score is now around 777 (lucky right?), and I enjoy some of the best rates and terms lenders have to offer.
Find out how I did it:
5 Facts about a 695 Credit Score
- A 695 credit score is considered “Fair”, but it’s only 5 points away from being a “Good” credit score, which starts at 700.
- A person with a 695 credit score should be able to obtain a mortgage, but will probably pay a little higher interest than someone with better credit.
- Don’t worry about a 695 credit score keeping you from getting an auto loan: Auto loans are available for almost any credit score. Question is – what interest rate will you be paying?
- With a 695 credit score, you should be able to get credit cards, just not the best ones available.
- Personal loans should be available for someone with a 695 credit score, but again, probably at a higher cost than someone with a 720+ credit score.
685 Credit Score: What It Means (& How To Improve It)
650-699 Credit Score – Good Or Bad? Credit Card & Loan Options?
I currently have a 695 credit score, and I need to buy a used car. Would this be a good enough score to obtain the best interest rates on a used car loan?
A 695 credit score is is definitely high enough to get a decent rate on your auto loan. But my experience is that you will typically need a 720+ credit score to receive the best interest rates available (depending on lender).
Almost anyone can get an auto loan, the question is what interest rate will you be paying. With a 695 credit score, your rates should be decent. You’re not that far below 720.
You may want to see if there are any quick ways you could raise your score though, like paying some of your credit card debt first.
Good luck Melissa!
My credit score is 695 and I want to apply for a mortgage for my first home. Is it likely that I will be approved for a $85,000 mortgage with an income of $40k/year?
It sounds like you have a very good chance of getting approved for the mortgage you are seeking. Your credit score should be high enough for a decent mortgage interest rate (rates are still below 4% which is great!). Without knowing any other details such as how much debt you have (income to debt ratio) or how established your credit history is… your income seems more than adequate for obtaining an $85,000 mortgage. Good luck!
A couple years back I had a 695 credit score, and was approved for a mortgage for about 75,000 with a 3.8% interest rate. It was my first home as well. You should be ok. Good luck!
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