By CreditNinja
Modified on March 7, 2024

According to the FICO credit scoring model, a 675 credit score is good. Good credit  indicates that a borrower is a safe credit risk.

A good credit score is on the higher end of credit ranges.

Good credit can help you secure decent installment loan or credit card offers. However, improving a good credit score can help you get better terms and more financial options. Borrowers with excellent credit typically get access to the best deals and the richest rewards. 

Key Takeaways for a 675 Credit Score

Overview of Your
Credit Rating

A 675 score is a good credit rating. Good FICO scores range from 670 to 739. While your score is high enough to help you get approved for all types of financial products, there is still room for improvement.

Borrowing Options With a 675 Credit Score

Good credit borrowers can qualify for all types of unsecured loans and credit cards because they are generally seen as low-risk borrowers. You are likely to get loan approval for quick cash loans, auto loans, mortgages, and more.

Improving a 675 Credit/FICO Score

The average FICO score is 718, while the average VantageScore is 701. To improve your 675 score, you can pay down your personal debt, avoid new credit inquiries, and increase your current credit limits.

Is a 675 Credit Score Good?

Credit scores that are 675 are good. Lenders typically view consumers with good credit favorably. Your credit rating is close to the national average, so you could be eligible for almost any loan or credit card.

What Can You Get Approved for With a 675 Credit Score?

As someone with good credit, you could qualify for all types of loan options. However, you may still have to inquire with multiple lenders to find the best loan offer. 

Personal Loans

A personal loan can provide eligible borrowers with small to large loans for all types of emergency expenses. Qualification generally depends on your creditworthiness, but many lenders offer flexible minimum credit score requirements.  

Bank Loans

You may qualify for a bank loan with a 675 score. Bank loans can provide high loan amounts and low rates, but approval requirements are generally strict. If you do qualify, pay close attention to the annual percentage rate (APR). 

Credit Cards 

There are different types of credit cards for different credit scores. If you have a good score, you could get approval for the following credit card options:

  • Capital One QuicksilverOne Cash Rewards Credit Card®
  • Capital One Walmart Rewards® Mastercard®
  • Citi Double Cash® Card
  • Chase Freedom Flex Credit Card
  • Fingerhut Credit Account

Car Loans 

You may qualify for a car loan if you have a 675 score. However, your interest rate may be higher compared to borrowers that have higher credit. Providing a large down payment can help you save money on interest fees, especially if your rate is high. 

Products To Help Maintain a 675 Credit Score

There are various products and financing options available for a 675 score. Take a look at some of your options below. 

Budgeting Apps

A budgeting app can help you track your expenses, set spending limits, and achieve financial goals. These are some of the best budgeting apps:

  • YNAB (You Need A Budget)
  • Goodbudget
  • PocketGuard
  • Stash

Secured Credit Cards

A secured credit card requires a security deposit, which acts as your credit limit. You can use funds, repay, and borrow again. Payments are reported to the credit bureaus, which means a good payment history can look good on your credit report and boost your credit scores.

Benefits of a 675 Credit Score

Here are some of the benefits of a 675 score:

Easier Credit Approval 

As someone with a 675 score, you may have no trouble qualifying for all types of credit products. When you submit loan applications, lenders may have a good first impression based solely on your credit. 

Close To Average Score

The average credit score is 718, which means you only need to increase your 675 score by 43 points. According to CRED, borrowers may see their credit score increase by 200 points within six months to a few years.² 

How To Maintain Your 675 Credit Score

Here are a few simple ways to maintain your 675 score:

Reduce Your Outstanding Debt

Your credit utilization rate is the amount of revolving credit you’re using compared to your total available credit. You can calculate your credit utilization ratio by dividing your credit card balances by your total credit limit. To maintain and improve your good credit, avoid carrying a high credit card balance.  

Dispute Errors on Credit Reports

Each of the three major credit bureaus provides free credit reports every 12 months. You can request them at If you find an error, you can dispute it and have it removed from a credit report. 

Avoid New Credit Inquiries 

Submitting a loan application requires a hard credit check, which can decrease your current credit score. If you are trying to maintain or improve your credit history, avoid applying for new credit accounts unless absolutely necessary. 

FAQs About 675 Credit Scores

It’s a great idea to check your credit reports at least once a year. Regularly reviewing your credit report helps you catch any errors or fraudulent activity early, which can protect your good credit score.

Yes, closing old credit card accounts can impact your credit scores, sometimes negatively. Closing old accounts can shorten your credit history and increase your credit utilization. If you’re considering closing an account, think about how it might affect your credit scores.

A mix of different types of credit can positively affect credit scores. Lenders and credit scoring models like to see that you can responsibly manage various types of credit, such as an auto loan and a line of credit.

What Interest Rate Can I Get With a 675 Credit Score?

Rates for a 675 score can still be high, as this score is still quite low for a “good” rating. However, you can find the most affordable rate by comparing lenders and doing some online research. 

Can I Buy a House With a 675 Credit Score?

There are various mortgage options for a 675 score. You could qualify for a conventional loan, although you may be able to secure a lower down payment and rate with a non-conforming loan. 

These are some of the loan terms you can expect with a 675 score:

Borrowing Aspect

Expectation for a 675 Score

Approval Likelihood

High for most credit products

Annual Percentage Rate (APR)

Lower than for scores under 650, but still above prime rates

Loan Options

Unsecured Personal Loans, Auto Loans, Mortgages, Standard Credit Cards

Loan Terms

Better than lower scores, but not as favorable as those with scores above 700

Credit Limits

Moderate, with potential for increases with responsible use

Interest Rates

Competitive, yet above those offered to excellent credit scores

Fees and Penalties

Standard, with fewer penalties than subprime options

Disclaimer: This table reflects the general lending environment for individuals with a credit score around 675. It’s important to note that specific terms can vary by lender and current economic conditions.

Top 5 Resources for a 675 Credit Score

Related Credit Scores

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