What Can You Get Approved For With a 664 Credit Score?

With a 664 credit score, you can likely get approved for unsecured credit cards, personal loans, auto loans at prime rates, and most mortgages. You won't get the lowest rates yet. At 664, you're 6 points below good credit and only 3 points above the cutoff for prime auto rates. Small changes in either direction can move what you pay.

Is 664 a good credit score?

Almost. FICO's fair range runs from 580 to 669, so 664 sits near the top of it. Good credit starts at 670, 6 points away.

A score this close to good usually means one or two factors are holding it back:

• Card balances. Using a large share of your available credit lowers your score. It's also the fastest factor to change.
• An older late payment. A payment 30 days late stays on your report for seven years, but its effect fades as on-time payments build behind it.
• A short credit history. A thin credit file, meaning only a few accounts or accounts that haven't been open long, gives scoring models less to go on.

Read more >> What Can You Get Approved For With a 700 Credit Score?

What can you get approved for with a 664 credit score?

At 664, most lenders will approve you for a range of financial products. The price depends on the tier you land in.

Credit cards

Unsecured cards are realistic at 664. Some rewards cards with cash back, points, or welcome offers will approve you, though the best ones usually look for good credit. The same goes for 0% introductory APR cards. Before applying, check whether the issuer offers prequalification, which uses a soft credit check that doesn't affect your score. A full application triggers a hard inquiry.

Even at a good rate, card interest is expensive. The average rate on card accounts charging interest is 22.15%, according to the Federal Reserve.

Personal loans

A personal loan is realistic at 664, though you may not get a lender's lowest advertised rate. Your rate also depends on your income, your debt-to-income ratio (DTI), and the loan term. Include credit unions when you compare lenders: Federal credit unions can't charge more than 18% on most loans.

Compare offers using prequalification, so only the lender you choose runs a hard credit check.

Auto loans

At 664, you're in Experian's prime tier (661 to 780), but only by 3 points. Your credit score plays a major role in the interest rate you're offered on a car loan. On a $20,000, 60-month new car loan at average rates, a prime borrower would pay about $1,000 more in interest than a super prime borrower. Dropping below 661 would cost about $2,000 more than a prime borrower pays. Experian sorts these tiers by VantageScore 4.0, so your FICO score may place you a little differently.

Manufacturer promotions like 0% financing usually require higher scores, so ask the dealer what score a promotion needs before you count on it.

Use an auto loan calculator to check payment amounts before you sign.

Mortgages

Most mortgage types are open to you at 664, and the cost depends on the type:

• Conventional loans. Fannie Mae no longer sets a minimum score for loans run through its automated system, but lenders still set their own minimums. Fannie Mae does charge lenders an upfront fee on the loans it buys, based on your score and down payment. With 20% down, the fee for scores of 660 to 679 is 1.875% of the loan amount, compared with 0.375% at 780+. On a $200,000 loan, that's $3,750 versus $750, paid through a higher rate or more cash at closing.
• FHA loans. Borrowers with scores of 580 or higher can qualify with 3.5% down. On a $250,000 home, that's $8,750 up front. Each lender can set higher minimums. At 664, compare an FHA quote with a conventional one, because the cheaper choice depends on your down payment.
• USDA loans. These are for homes in eligible rural and suburban areas with income limits. USDA doesn't set a minimum score, but lenders typically look for 620 to 640, so 664 clears that range.
• Jumbo loans. These are for amounts above conventional loan limits. Each lender sets its own underwriting standards, usually with stricter score, income, and down payment requirements, so 664 may fall short.

Run the numbers >> Use Kikoff's mortgage calculator to estimate your monthly payment and plan your homebuying budget.

What interest rates can you expect with a 664 credit score?

Expect middle-range offers: better than lower fair scores get, but not a lender's best.

The Federal Reserve's averages across all borrowers were 22.15% for card accounts charging interest and 11.86% for 24-month bank personal loans. At 664, your offers will likely land near those averages rather than well above them.

The next milestone is good credit at 670, 6 points away. Lower reported balances and steady on-time payments can help you reach it, and they also keep you above 661 for prime auto rates.

5 ways to raise a 664 credit score

1. Check your credit reports for errors. You can get all three for free every week at AnnualCreditReport.com. If something is wrong, like an account that isn't yours, dispute it with the bureau. Disputing is free.
2. Bring down card balances before your statement closes. Your issuer usually reports the statement balance, so a lower balance on that date can show up in your score within a month.
3. Pay every bill on time. Payment history is the biggest factor in your score, making up 35% of a FICO Score.
4. Shop for rates within a tight window. FICO counts multiple auto, mortgage, or student loan inquiries made within a period of 14 to 45 days as one, depending on the FICO version. Credit card and personal loan applications each count separately.
5. Think twice before closing a card. Accounts in good standing add to your credit history, and closing a card can raise your credit utilization.

If your report is thin on accounts, adding one helps. A Kikoff Credit Account reports your payments to all three bureaus.

Read more >> What Is a Good Credit Score in 2026?

Bottom line

With a credit score of 664, you can get approved for most cards, loans, and mortgages. What your score decides is the pricing tier. You're 6 points from good credit in FICO's ranges and just 3 points above the cutoff for prime auto rates, so small changes in either direction can change what you pay.

Kikoff brings credit building, bill and rent reporting, AI-powered disputes, credit monitoring, and debt negotiation into one place. Sign up with no credit check. Plans start at $5 a month.