What Can You Get Approved For With a 671 Credit Score?

With a 671 credit score, you can likely get approved for rewards credit cards, personal loans, prime-rate auto loans, and most mortgages. You won't get the lowest rates yet.

A 671 score is good credit, but only by 1 point. Very good credit starts at 740, 69 points away. Along the way, Fannie Mae's next mortgage fee band starts at 680, 9 points away.

Is 671 a good credit score?

Yes. FICO's good range runs from 670 to 739, and 671 sits near the bottom of it. At 669 or below, you'd be in fair credit.

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

• Card balances. Using a large share of your available credit holds your score down, even if you pay in full each month. It's also the fastest factor to change.
• An older late payment. A payment 30 days late stays on your report for seven years. 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. Length of credit history only grows with time.

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

What can you get approved for with a 671 credit score?

At 671, most lenders will approve you, so what's left is the price you get. That price depends on which tier you land in.

Credit cards

Rewards cards with cash back, points, or welcome offers are realistic at 671. Some 0% introductory APR cards will approve you, though premium travel cards and the longest intro offers usually look for higher scores. Before applying, check whether the issuer offers prequalification, which uses a soft credit check that doesn't affect your score.

A good score doesn't make card interest cheap. The average rate on card accounts charging interest is 22.15%, according to the Federal Reserve. An intro 0% period helps only if you pay the balance off before it ends.

Personal loans

Most personal lenders will approve a 671 score if your income and debt-to-income ratio (DTI) check out. You may not get a lender's lowest advertised rate. Expect offers near the middle of its range. For comparison, the Federal Reserve's average for a 24-month bank personal loan is 11.86%. Federal credit unions can't charge more than 18% on most loans, so include them when you compare options.

Auto loans

At 671, you're in Experian's prime tier (661 to 780), but only by 10 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. 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 specific promotion needs before you bank on it.

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

Mortgages

At a 671 credit score, most mortgage types are open to you. Your score mainly decides what you pay, depending 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 is 1.875% of the loan amount for scores of 660 to 679. It drops to 1.75% starting at 680 and to 0.375% at 780+. On a $200,000 loan, that's $3,750 versus $750 at 780+, 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 671, compare an FHA quote with a conventional one, because the cheaper choice depends on your down payment.
• Jumbo loans. These are for amounts above conventional loan limits. Each lender sets its own standards, usually stricter on score, income, and down payment, so 671 may fall short with some lenders.

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 671 credit score?

Expect middle-range offers: better than fair-credit borrowers 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 671, your offers will likely land near those averages rather than well below them.

The next FICO range, very good, starts at 740, 69 points away.

5 ways to raise a 671 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. Pay down card balances before the statement closes. Your issuer usually reports the statement balance, so paying early lowers the balance that reaches your report, even if you already pay in full.
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, and each hard inquiry can take a few points off for about a year.
5. Think twice before closing a card. Closing one removes its credit limit, which can raise your credit utilization if you carry balances on other cards.

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

A credit score of 671 gets you approved for most cards, loans, and mortgages. From here, your score decides how much you pay. Very good credit at 740 is 69 points away. You're also just 1 point above the start of good credit, so a late payment or a high reported balance could drop you into fair credit.

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.