What Can You Get Approved For With an 806 Credit Score?

With an 806 credit score, you can likely get approved for nearly any credit card, personal loan, auto loan, or mortgage, as long as your income and debts support what you're borrowing. Your score already earns the top pricing tiers. They start at 781 for auto loans and 780 for Fannie Mae's mortgage fee, 25 and 26 points below you. What's left to decide is how much you can borrow and how much you put down.

Is 806 a good credit score?

Yes. FICO's exceptional range runs from 800 to 850, and 806 sits near the bottom of it. (VantageScore also tops out at 850.)

A score this high reflects years of on-time payments, low reported balances, and few recent applications. Because you're only 6 points above 800, one high statement balance could drop you into FICO's very good range. For mortgages and auto loans, the top pricing tiers start lower, so a small dip below 800 usually won't change those rates.

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What can you get approved for with an 806 credit score?

At 806, your score usually isn't what's limiting you. Lenders will focus on 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 offers are all realistic at 806. You'll likely see more prescreened offers too.

Since you can choose almost any card, 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. An intro 0% period helps only if you pay the balance off before it ends.

Before applying, check whether the issuer offers prequalification, which uses a soft credit check that doesn't affect your score. The application itself triggers a hard inquiry, so open a new card only when it serves a financial goal.

Personal loans

Expect offers at or near the low end of a lender's advertised interest rates.

The Federal Reserve's average for a 24-month bank personal loan is 11.86%, and an 806 borrower will typically see offers well below that.

How much you can borrow still depends on your income and existing debt.

Auto loans

At 806, you're in Experian's super prime tier (781+), the top tier for auto loans, and 25 points above its cutoff. 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 would pay about $1,000 less in interest than a 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 or cash back offers are realistic at this score. 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 806, every mainstream mortgage type is open to you, and your score already earns Fannie Mae's best pricing. Your down payment is now what matters most.

• Conventional loans. Fannie Mae no longer sets a minimum score for loans run through its automated system, and lenders set their own. 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. On a $200,000 loan, that's $750 versus $0. You'd see the difference in your rate or your closing costs.
• 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. These loans carry their own mortgage insurance premium, so at 806 a conventional loan is usually the one to price first. An FHA quote is still 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. At 806, your score usually won't be what holds you back. Income and reserves typically decide it, so ask each lender.

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 an 806 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 806, your offers will typically come in well below both.

Pushing past 806 changes little. Both top pricing tiers start below your score: 781 for Experian's super prime auto tier and 780 for Fannie Mae's mortgage fee, 25 and 26 points under 806. Lenders are competing for your business, so compare at least two or three offers on any loan.

5 ways to protect an 806 credit score

1. Check your reports regularly. 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. 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. Rate-shop in one window. Each hard inquiry can take a few points off for about a year. FICO counts multiple auto, mortgage, or student loan inquiries made within 14 to 45 days as one, depending on the FICO version. Card and personal loan applications each count separately.

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

Bottom line

At 806, you can likely get approved for nearly anything at a lender's best pricing. Your score clears 781, where Experian's super prime auto tier starts, by 25 points, and 780, Fannie Mae's top fee band, by 26. What matters now is staying above those lines and saving for a larger down payment.

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