My credit score is 673. Is it good enough to be eliagable for getting a $ 6000 personal loan? Please answer?

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justina l

My credit score is 673. Is it good enough to be eliagable for getting a $ 6000 personal loan? Please answer?

Stephen B

The cut-off for sub-prime borrowrers is 650....so you are a good bit above sub-prime. You have good credit...not excellent, but good.

Hate to answer your question with another question...but how stretched will you be after you get the $6,000? Are you using the money to pay off higher-rate debts? Or are you going to stretch yourself further?

How stretched are you now? If $6000 is big relative to your income, and then you miss a few payments....you could be headed for sub-prime land and trouble in a very short time.

The best thing to do is to check with your bank and ask if they will grant you the loan and what are the terms.

Make sure you can handle it.

Good luck.

sarah a

yes but it is also based on your income.

yums

read tips and articles on debt/credit , loans and much more on this site

Your credit score is decent enough to get a loan, but remember that your income and expenses are also looked at. The lender will take the estimated monthly payment from this loan, add it into your other expenses, and determine if you have enough income to pay this additional debt.

mario_salman

good enough for a $6000 loan. but don't expect toget a good interest rate.

freetronics

you have what's considered "good" credit, but not excellent credit. You could get a loan, but the interest rate may be slightly higher than what someone with "excellent" credit will get.

resasour

your score is high enough but it depends on your debt to income ratio how much you would qualify for....

joeysmom2

Sounds like a good score to me, but every company has their own guidelines. Depends if you have enough potential capital to pay it back. They may not give it to you if your payments are going to be 75.00 a month and you dont have 75.00 left in the budgett to pay for it.

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