What Can You Get Approved For With a 782 Credit Score?

With a 782 credit score, you can likely get approved for premium rewards cards, low-rate personal loans, auto loans, and most mortgages, as long as your income and debts support what you're borrowing. Your score clears the cutoffs for the top mortgage and auto pricing tiers, 780 and 781, but only by a point or two. Exceptional credit starts at 800, 18 points away. Reaching it changes the label more than the price.

Is 782 a good credit score?

Yes. FICO's very good range runs from 740 to 799, and 782 is in the upper half of it. Exceptional credit starts at 800.

A score this high usually reflects a long run of on-time payments, low card balances, and few recent applications. At 782, you're already in the top pricing tiers, but with little room to spare. A high reported balance or a new hard inquiry could put you below 780 or 781.

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

What can you get approved for with a 782 credit score?

At 782, your score is rarely what stands between you and approval. Lenders will look harder at your income, your job history, and your debt-to-income ratio (DTI).

Credit cards

Premium travel cards, top-tier cash back cards, large sign-up bonuses, high credit limits, and long 0% intro APR periods are realistic at 782. You'll likely receive prescreened offers, too.

Since you'll likely qualify for several, decide how many cards you need and pick the ones you'll actually use. If you travel, look for airfare and hotel rewards or lounge access. If you're planning a large purchase, a long 0% intro APR period can be worth more than points.

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, so only open a new card when it serves a financial goal.

Personal loans

Most personal lenders will approve a 782 if your income and DTI support the loan. Expect offers at or near a lender's lowest advertised interest rates.

The Federal Reserve's average for a 24-month bank personal loan is 11.86%, and a 782 borrower can often get offers below it.

Auto loans

At 782, you're in Experian's super prime tier (781+), the top tier for auto loans, but only by 1 point. Your credit score plays a major role in the interest rate you're offered on a car loan. Super prime borrowers average 4.41% on new cars and 6.29% on used cars. On a $20,000, 60-month new car loan at average rates, a super prime borrower pays about $1,000 less in interest than a prime borrower. Dropping below 781 would cost you that difference. Experian sorts these tiers by VantageScore 4.0, so your FICO score may place you a little differently.

Manufacturer promotions like 0% financing or cash back offers are realistic at this score. Ask the dealer what score a specific promotion requires. Get preapproved by a bank or credit union first, then compare that rate against the dealer's financing and any promotion. A cash rebate can be worth more than a lower rate.

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

Mortgages

At 782, most mortgage types are open to you, and your score just clears Fannie Mae's best pricing band. Your down payment now matters as much as your score:

• Conventional loans. Fannie Mae charges lenders an upfront fee on the loans it buys, based on your score and down payment. For scores of 780 and up, that fee is 0.375% of the loan amount with 20% down and 0% with 25% down or more. At 760 to 779, it's 0.625% with 20% down. On a $200,000 loan, that's $750 at your score versus $1,250 if you slipped below 780. You'd see the difference in your rate or your closing costs.
• FHA loans. These loans are an option, but they carry their own mortgage insurance premium. Borrowers with scores of 580 or higher can qualify with 3.5% down, and each lender can set higher minimums. At 782, a conventional loan is usually the one to price first. Still, an FHA quote is worth comparing if your down payment is small.
• Jumbo loans. Each lender sets its own score, income, and reserve requirements for loans above conventional limits. A 782 meets many of them, but ask each lender. Income and reserves often decide it.

Small rate differences add up on a mortgage. For example, on a $300,000, 30-year loan, 6.0% instead of 6.5% saves about $98 a month, or about $35,000 over the life of the loan.

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 782 credit score?

Expect offers at or near a lender's best advertised rates. Exact offers still depend on the lender, the loan, and market conditions. 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 782, you'll typically see offers below both.

The cutoffs that set your price sit just below you: 780 for Fannie Mae's top mortgage fee band and 781 for Experian's super prime auto tier. Exceptional credit at 800 is 18 points away, but getting there changes what you're called more than what you pay. Staying above 780 and 781 matters more.

5 ways to protect or raise a 782 credit score

1. Check your reports before a big application. 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 reporting it.
2. Freeze your credit when you're not applying. A credit freeze blocks new accounts from being opened in your name. It's free at Equifax, Experian, and TransUnion, and you can lift it temporarily when you apply.
3. Automate every payment. Payment history makes up 35% of a FICO Score, and a missed payment stays on your report for seven years.
4. Keep reported balances low. Your issuer usually reports your statement balance, so paying before the statement closes keeps your utilization low even if you pay in full.
5. Limit new applications. Each hard inquiry can take a few points off for about a year. When you're shopping for an auto loan, mortgage, or student loan, keep it within a tight window. FICO counts those inquiries as one if they fall within 14 to 45 days, depending on the FICO version. Card and personal loan applications each count separately.

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

Read more >> What Can You Get Approved For With an 825 Credit Score?

Bottom line

A 782 score gets you approved for nearly everything, at or near a lender's best pricing. You're just above the 780 and 781 cutoffs for top mortgage and auto pricing. Exceptional credit at 800 is 18 points away, but protecting what you have matters more than reaching it, because one high balance or late payment can cost you a tier.

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.