{"id":25819,"date":"2026-09-01T15:34:29","date_gmt":"2026-09-01T20:34:29","guid":{"rendered":"https:\/\/www.avant.com\/blog\/?p=25819"},"modified":"2026-09-01T17:05:48","modified_gmt":"2026-09-01T22:05:48","slug":"how-to-get-a-personal-loan-with-a-580-669-credit-score","status":"publish","type":"post","link":"https:\/\/www.avant.com\/blog\/borrow\/how-to-get-a-personal-loan-with-a-580-669-credit-score\/","title":{"rendered":"How to Get a Personal Loan With a 580-669 Credit Score"},"content":{"rendered":"<p><i><span style=\"font-weight: 400\">This article was drafted with AI assistance and reviewed for accuracy by Avant staff.\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400\">Last updated: August 2026.<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400\">Data note: Statistics, FICO\u00ae weight percentages, market figures, and scoring model guidance in this article reflect information available as of August 2026. Rates and regulatory requirements can change \u2014 verify current figures at the sources cited in the References section before making financial decisions.\u00a0<\/span><\/i><\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h3><b>Quick answer<\/b><\/h3>\n<p><span style=\"font-weight: 400\">A 580-669 credit score falls in the fair range, and it&#8217;s possible to qualify for a personal loan at that score. Avant weighs more than the score itself when considering applicants for its personal loans, issued by WebBank<\/span><span style=\"font-weight: 400\"><sup>1<\/sup><\/span><span style=\"font-weight: 400\">\u00a0&#8211; income, existing debt, and overall credit history all factor into a decision. Avant considers applicants with average credit, offering APRs from 9.95% to 35.99%.<\/span><span style=\"font-weight: 400\"><sup>2<\/sup><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>In this article<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">What does a 580-669 credit score mean?<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Step-by-step: how to qualify for a personal loan with a fair credit score<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Is it hard to get approved for a loan through Avant?<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Next steps: applying for a loan through Avant<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Frequently asked questions<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td>\n<h3><b>Key takeaways<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A 580-669 score sits in the fair range, one tier above poor, according to <\/span><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/580-credit-score\/\"><span style=\"font-weight: 400\">Experian<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Some lenders, including Avant, accept applications from borrowers with fair credit \u2014 approval depends on the full financial picture, not the score alone.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Loans through Avant range from $2,000 to $35,000 with APRs from 9.95% to 35.99%.<\/span><span style=\"font-weight: 400\"><sup>2<\/sup><\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Fair-credit borrowers \u2014 roughly the 580-669 range \u2014 typically pay meaningfully higher rates than those with stronger credit. <\/span><a href=\"https:\/\/www.nerdwallet.com\/personal-loans\/learn\/average-personal-loan-rates\"><span style=\"font-weight: 400\">NerdWallet<\/span><\/a><span style=\"font-weight: 400\"> tracks average personal loan APRs by credit tier, which is a useful benchmark for what pricing looks like at this level.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><a href=\"http:\/\/avant.com\/apply?product_type=installment&amp;utm_source=meridian\"><span style=\"font-weight: 400\">Checking your rate<\/span><\/a><span style=\"font-weight: 400\"> through Avant&#8217;s prequalification tool uses a soft credit inquiry and does not affect your credit score.<\/span><span style=\"font-weight: 400\"><sup>5<\/sup><\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>What does a 580-669 credit score mean?<\/b><\/h2>\n<p><span style=\"font-weight: 400\">On the standard FICO<\/span><span style=\"font-weight: 400\">\u00ae<\/span><span style=\"font-weight: 400\"> scale, credit scores that range from 580 to 669 are classified as fair, (sometimes called average), one step above poor (300\u2013579) and one step below good (670\u2013739), according to <\/span><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/580-credit-score\/\"><span style=\"font-weight: 400\">Experian<\/span><\/a><span style=\"font-weight: 400\">. Roughly 17% of consumers fall in the fair credit range, and while lenders generally treat this tier as higher risk than the good or excellent credit tiers (<\/span><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/580-credit-score\/\"><span style=\"font-weight: 400\">Experian<\/span><\/a><span style=\"font-weight: 400\">), that doesn&#8217;t mean the door is closed! Some lenders decline applicants in this range outright; others, including Avant, are built to evaluate borrowers with fair credit scores and price loans accordingly. Understanding your fair credit score helps set realistic expectations for the rate and terms you&#8217;re likely to see, rather than comparing your offer to rates built for borrowers with excellent credit.<\/span><\/p>\n<h2><b>Step-by-step: how to increase your chances of qualifying for a personal loan with a fair credit score<\/b><\/h2>\n<ol>\n<li><b>Check your credit report for errors. <\/b><span style=\"font-weight: 400\">Pull your credit reports from all three bureaus (Equifax, Experian, and TransUnion) and dispute any errors you may find like accounts that aren&#8217;t yours, outdated balances, or payments marked late that were actually on time. Errors are more common than most people expect, and disputing one that&#8217;s dragging down your credit score can make a big difference if you\u2019re in the 580-669 fair credit range.<\/span><\/li>\n<li><b>Pay down outstanding balances. <\/b><span style=\"font-weight: 400\">Credit utilization \u2014 the share of your available credit you&#8217;re using \u2014 is one of the larger factors in your score. For example, if you&#8217;re carrying $6,500 in outstanding balances across $10,000 in total credit limits, that&#8217;s 65% credit utilization. Bringing the balance down to $3,000 drops your credit utilization to 30%, which many scoring models treat as a meaningful threshold (<\/span><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/580-credit-score\/\"><span style=\"font-weight: 400\">Experian<\/span><\/a><span style=\"font-weight: 400\">). <\/span><i><span style=\"font-weight: 400\">How fast this works: often one to two billing cycles, once the lower balance is reported (<\/span><\/i><a href=\"https:\/\/www.avant.com\/blog\/credit-scores\/your-2026-credit-score-playbook\/\"><i><span style=\"font-weight: 400\">Avant<\/span><\/i><\/a><i><span style=\"font-weight: 400\">).<\/span><\/i><\/li>\n<li><b>Show steady, verifiable income. <\/b><span style=\"font-weight: 400\">Lenders weigh stability alongside your credit score itself. A consistent employment history and income you can document with pay stubs or statements works in your favor, even when your score itself is on the lower end.<\/span><\/li>\n<li><b>Only apply for what you need<\/b><span style=\"font-weight: 400\">. Apply for the amount you actually need, not the maximum a lender offers. A smaller loan amount relative to your income can make approval more likely.<\/span><\/li>\n<li><b>Seek out credit options that work with applicants with fair credit, like Avant. <\/b><span style=\"font-weight: 400\">Some lenders will only work with applicants at or above a certain credit rating, and not every lender publishes the credit minimum score they will consider. Look for lenders that describe evaluating the whole application \u2014 income, debt, and history \u2014 rather than screening on credit score alone.<\/span><\/li>\n<li><b>Gather your documentation before you apply. <\/b><span style=\"font-weight: 400\">Lenders often ask for additional documents along with your application in order to better understand your financial situation. Common examples of these documents may include proof of income (pay stubs, tax returns, or bank statements), employment details, and information regarding your current debts. Having these ready before you start the application shortens the back-and-forth that can otherwise delay or stall a decision.<\/span><\/li>\n<li><b>Fill out the application completely and accurately. <\/b><span style=\"font-weight: 400\">Gaps or inconsistencies between what you enter and what your documentation shows can slow down a lending decision or trigger a request for more paperwork. Double-check income figures and debt amounts before submitting.<\/span><\/li>\n<li><b>Compare full loan terms across offers, not just the headline rate. <\/b><span style=\"font-weight: 400\">Look at the entire APR range a lender quotes, the origination or administration fee, the total loan term, and how the monthly payment fits your budget \u2014 not just the lowest number in an ad.<\/span><\/li>\n<\/ol>\n<h2><b>Is it hard to get approved for a loan through Avant?<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Avant is an online lending platform that considers applicants with fair and average credit, including scores in the 580-669 range.<\/span><span style=\"font-weight: 400\"><sup>1<\/sup><\/span><span style=\"font-weight: 400\"> However, approval is not guaranteed. Rather than relying on the credit score alone,<\/span> <span style=\"font-weight: 400\">Avant evaluates the applicant&#8217;s overall credit history, income, and existing debt obligations.<\/span><\/p>\n<p><a href=\"http:\/\/avant.com\/apply?product_type=installment&amp;utm_source=meridian\"><span style=\"font-weight: 400\">Check your rate<\/span><\/a><span style=\"font-weight: 400\"> with Avant to see what a loan through the platform might look like for your situation. Checking your rate through <\/span><a href=\"http:\/\/avant.com\/apply?product_type=installment&amp;utm_source=meridian\"><span style=\"font-weight: 400\">Avant&#8217;s prequalification tool<\/span><\/a><span style=\"font-weight: 400\"> uses a soft credit inquiry, so it does not affect your credit score.<\/span><span style=\"font-weight: 400\"><sup>5<\/sup><\/span><span style=\"font-weight: 400\"> If you move forward and accept an offer, that step involves a hard inquiry.<\/span> <span style=\"font-weight: 400\">From there:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Gather your income and employment documentation ahead of time so the application moves quickly.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Submit the application and review any offer in full \u2014 the complete APR, the loan amount, the term length, and the administration fee \u2014 before accepting.<\/span><span style=\"font-weight: 400\">2<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">If approved, funds are generally available via ACH as soon as the next business day, provided the approval comes in before 4:30 p.m. CT on a business day.<\/span><span style=\"font-weight: 400\"><sup><sup>4<\/sup><\/sup><\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400\">If a loan isn&#8217;t the right fit right now, you can <\/span><a href=\"http:\/\/avant.com\/apply?product_type=credit_card&amp;utm_source=meridian\"><span style=\"font-weight: 400\">see if you qualify<\/span><\/a><span style=\"font-weight: 400\"> for the Avant Credit Card, issued by WebBank<\/span><span style=\"font-weight: 400\">1<\/span><span style=\"font-weight: 400\">, which may help build credit history with responsible, on-time use.<\/span><\/p>\n<p><span style=\"font-weight: 400\">For more information about getting a personal loan, please visit <\/span><a href=\"https:\/\/www.avant.com\/blog\/borrow\/how-to-get-a-loan\/\"><span style=\"font-weight: 400\">here<\/span><\/a><span style=\"font-weight: 400\"> for steps and tips.<\/span><\/p>\n<h2><b>Frequently asked questions<\/b><\/h2>\n<h3><b>What interest rates can I expect with a 580-669 credit score?<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Rates through Avant range from 9.95% to 35.99% APR<\/span><span style=\"font-weight: 400\"><sup>2<\/sup><\/span><span style=\"font-weight: 400\">, with the lowest rates reserved for the most creditworthy applicants \u2013 an applicant\u2019s likelihood and ability to repay their debts (<\/span><a href=\"https:\/\/www.avant.com\/blog\/budget\/what-is-creditworthiness\/\"><span style=\"font-weight: 400\">Avant<\/span><\/a><span style=\"font-weight: 400\">).\u00b2 Borrowers in the fair-credit range generally see rates in the upper half of a lender&#8217;s range. <\/span><a href=\"https:\/\/www.nerdwallet.com\/personal-loans\/learn\/average-personal-loan-rates\"><span style=\"font-weight: 400\">NerdWallet <\/span><\/a><span style=\"font-weight: 400\">tracks how average APRs shift by credit tier if you want a market-wide comparison. Your actual rate depends on your full credit profile, income, and the amount and term you choose \u2014 not the score alone.<\/span><\/p>\n<h3><b>How quickly can I get funds after approval?<\/b><\/h3>\n<p><span style=\"font-weight: 400\">If approved, funds are generally deposited via ACH for delivery the next business day, provided the approval happens by 4:30 p.m. CT on a business day.<\/span><span style=\"font-weight: 400\">4<\/span><span style=\"font-weight: 400\"> The decision itself may take longer than a few minutes if the lender requests additional documents, and final timing depends on your state and individual credit determination.<\/span><span style=\"font-weight: 400\"><sup>3<\/sup><\/span><\/p>\n<h3><b>Will checking my rate with Avant affect my credit score?<\/b><\/h3>\n<p><span style=\"font-weight: 400\">No. <\/span><a href=\"http:\/\/avant.com\/apply?product_type=credit_card&amp;utm_source=meridian\"><span style=\"font-weight: 400\">Checking your rate<\/span><\/a><span style=\"font-weight: 400\"> through Avant&#8217;s prequalification process uses a soft credit inquiry, which does not affect your credit score.<\/span><span style=\"font-weight: 400\"><sup>5<\/sup><\/span><span style=\"font-weight: 400\"> A hard inquiry only occurs if you accept a loan offer and move forward with the application.<\/span><\/p>\n<h3><b>Can I refinance later if my credit improves?<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Yes. If your credit profile strengthens after taking out a loan, refinancing is worth exploring \u2014 Avant&#8217;s refinance loans run 24 to 60 months, with a lower administration fee (up to 5%) than new-customer loans.<\/span><span style=\"font-weight: 400\"><sup>3<\/sup><\/span><span style=\"font-weight: 400\"> Whether refinancing makes sense depends on the new rate you&#8217;d qualify for compared with your current terms.<\/span><\/p>\n<h3><b>Disclosures<\/b><\/h3>\n<p><span style=\"font-weight: 400\"><sup>1<\/sup><\/span><span style=\"font-weight: 400\"> Avant branded credit products are issued by WebBank.<\/span><\/p>\n<p><span style=\"font-weight: 400\"><sup>2<\/sup><\/span><span style=\"font-weight: 400\"> APR ranges from 9.95% to 35.99% with the lowest rates available only for the most creditworthy borrowers. If approved, actual rates may vary based on credit history, current income, ability to repay, and other factors. Loan amounts range from $2,000 to $35,000. Loan lengths range from 24 to 60 months. Administration fee up to 9.99%, deducted from the loan proceeds and paid to the lender; the administration fee is deemed part of the loan principal and is subject to the accrual of interest. Minimum loan amounts vary by state. (Source: avant.com, current as of August 2026.)<\/span><\/p>\n<p><span style=\"font-weight: 400\"><sup>3<\/sup><\/span><span style=\"font-weight: 400\"> Refinance loans range from 24 to 60 months with an administration fee of up to 5% for refinance customers. If approved, actual loan terms may vary based on credit determination, state law, and other factors.<\/span><\/p>\n<p><span style=\"font-weight: 400\"><sup>4<\/sup><\/span><span style=\"font-weight: 400\"> The decision process may take longer if additional documents are requested. Approval and loan terms will vary based on credit determination and state law. Personal loan funds are generally deposited via ACH for delivery the next business day if approved by 4:30 p.m. CT Monday through Friday.<\/span><\/p>\n<p><span style=\"font-weight: 400\"><sup>5<\/sup><\/span><span style=\"font-weight: 400\"> Checking your rate through Avant uses a soft credit inquiry and does not affect your credit score. This process is specific to Avant; other lenders may handle prequalification differently. Accepting a loan offer involves a hard credit inquiry.<\/span><\/p>\n<h3><b>References<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/580-credit-score\/\"><span style=\"font-weight: 400\">580 Credit Score: Is it Good or Bad? \u2014 Experian<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-debt-to-income-ratio-en-1791\/\"><span style=\"font-weight: 400\">What Is a Debt-to-Income Ratio? \u2014 Consumer Financial Protection Bureau<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.nerdwallet.com\/personal-loans\/learn\/average-personal-loan-rates\"><span style=\"font-weight: 400\">Average Personal Loan Interest Rates for July 2026 \u2014 NerdWallet<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.avant.com\/personal-loans\/\"><span style=\"font-weight: 400\">Online Personal Loans \u2014 Avant<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.avant.com\/blog\/credit-scores\/your-2026-credit-score-playbook\/\"><span style=\"font-weight: 400\">Your 2026 Credit Score Playbook: What Scoring Models Actually Reward Now<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.avant.com\/blog\/borrow\/how-to-get-a-loan\/\"><span style=\"font-weight: 400\">How to Get a Personal Loan<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.avant.com\/blog\/budget\/what-is-creditworthiness\/\"><span style=\"font-weight: 400\">What is Creditworthiness?<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>This article was drafted with AI assistance and reviewed for accuracy by Avant staff.\u00a0 Last updated: August 2026. Data note: Statistics, FICO\u00ae weight percentages, market figures, and scoring model guidance in this article reflect information available as of August 2026. Rates and regulatory requirements can change \u2014 verify current figures at the sources cited in [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":25129,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[1421,576],"tags":[269,1452,1156,290],"class_list":["post-25819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borrow","category-credit-scores","tag-credit-score","tag-fair-credit","tag-fico-score","tag-personal-loan","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Get a Personal Loan With a 580-669 Credit Score - The Avant Blog<\/title>\n<meta name=\"description\" content=\"A 580-669 score is fair credit, not a dead end. 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