How Much You Can Borrow with a 640 Credit Score (2024)

You can borrow as much as $40,000 - $100,000+ with a 640 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.

The best personal loans for a 640 credit score are from Upstart because they offer $1,000 - $50,000 with APRs of 6.4% - 35.99% and repayment periods of 36, 60 months.

Best Personal Loans for a 640 Credit Score

Lender

Loan Amounts

APRs

Credit Score Requirement

Upstart

$1,000 - $50,000

6.4% - 35.99%

None

Oportun

$300 - $18,500

10.07% - 35.95%

None

OneMain Financial

$1,500 - $20,000

18% - 35.99%

None

RISE

$500 - $5,000

60% - 299%

None

Jora Credit

$500 - $4,000

99% - 349%

None


For more information, check out WalletHub’s complete picks for the best personal loans for fair credit. Then, you can estimate your potential rates with our free pre-qualification tool.

This answer was first published on 08/26/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

How Much You Can Borrow with a 640 Credit Score (2024)

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