By CreditNinja Reviewed by Matt Mayerle
Modified on May 15, 2024

An 815 credit score is an excellent credit score. With that comes many financial benefits, some of them including great interest rates and APRs with loans and credit cards.

An 815 credit score falls in the top tier of credit. It’s in the exceptional range and pretty close to perfect! Getting to this score takes lots of work and once you are there maintance is important. 

Key Takeaways for a 815 Credit Score

Overview of Your
Credit Rating

An 815 credit score is considered an excellent credit score. So, you are in the top tier with all the credit score models.

Borrowing Options With an
815 Credit Score

You’ll have access to all kinds of borrowing options both unsecured loans and secured loans, with this exceptional credit score.

Maintaining an 815
Credit/FICO Score

Maintaining your credit will involve continued good financial habits like on-time payments and keeping debt low.

Is an 815 Credit Score Good?

An 815 credit score is considered an excellent credit score. When your average credit score falls into this range, you’ll have access to all kinds of credit accounts, credit limit options of all kinds, and interest rates that are highly competitive.

What Can You Get Approved for With an 815 Credit Score?

You’ll have lots of borrowing options with excellent credit history, here are some commonly used credit accounts:

Personal Loans

With a higher credit score, such as 815, you’ll likely get approved for most personal loan options as long you meet the income requirements and other criteria. A personal loan can be extremely helpful with all kinds of emergencies or even planned expenses. These loans also usually have the most flexibility with repayment schedules. 

Bank Loans

Bank loans are loan options that come directly from banking institutions. With FICO scores in the 815 range, you should have no issues regarding your credit history and credit scores for several, if not all, bank lending products. 

Credit Cards

Most Americans have credit cards, a form of revolving credit; 82% have at least one credit card.1 Exceptional credit scores, such as an average credit score of 815, will mean several credit card opportunities and offers. Here are some credit cards for excellent scores:

Credit Card


Blue Cash Preferred® Card from American Express

American Express

Wells Fargo Active Cash® Card

Wells Fargo

Chase Sapphire Preferred® Card


Capital One SavorOne Cash Rewards Credit Card

Capital One

Car Loans

Car loans or auto loans are used to finance the purchase of a vehicle and can be found through several different sources. Generally speaking, your credit score will need to be in the fair range at minimum for approval and the good credit score range (also at minimum) to get good interest rates on a car loan

Products To Help Maintain an 815 Credit Score

Here are some products that can help you maintain an 815 credit score:

Credit Monitoring

Credit monitoring services are essential when trying to maintain an 815 credit score. These services will alert you if anything changes on your credit report, which can be a massive help if mistakes are made or if identity theft occurs. When you are working with a higher credit score like yours, even a small change to your credit can really hurt it, and credit monitoring services can help you stay on top of that.

Budgeting Apps

Budgeting is a great tool for your finances overall and can help you maintain your higher credit score. Here are some budgeting apps you can look into:

  • Goodbudget
  • YNAB
  • Honeydue
  • Rocket Money

Automatic Payments

Your payment history is the most impactful factor regarding your credit scores. Having automatic payments set up will ensure that your bills are paid on time, and when those bills are monthly payments for credit accounts, it will be super helpful to maintain a good or average credit score. 

Benefits of an 815 Credit Score

The benefits of an 815 credit score include a variety of loan products to choose from, the best interest rate range with most lenders, and a much lower cost of borrowing compared to lower credit scores. 

How To Maintain Your 815 Credit Score

Maintaining your credit score of 815 can involve keeping your credit utilization ratio low, paying bills on time, checking your credit reports often, familiarizing yourself with different credit scores, diversifying your credit mix, and keeping old accounts open so they stay on your credit report.

FAQs About 815 Credit Scores

Regularly, at least once a year, to ensure accuracy and detect any discrepancies.

Yes, budgeting is crucial for maintaining your score and managing finances effectively.

Yes, new credit applications can lead to hard inquiries, which might temporarily lower your score.

What Interest Rate Can I Get With an 815 Credit Score?

Interest rates with an 815 score will be in the lowest range! This can mean a lot of savings with loan rates when borrowing money or financing a purchase. 

Can I Buy a House With an 815 Credit Score?

A credit score is just one part of the home-buying process, and so you’ll have to fulfill all the separate requirements with other factors. However, having an 815 credit score is a great starting point and should get you through the credit score requirement with most mortgages.

Top 5 Resources for an 815 Credit Score

Related Credit Scores

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  1. American Credit Card Debt |
  2. Best Credit Cards for Excellent Credit | NerdWallet