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 |
| $1,000 - $50,000 | 6.4% - 35.99% | None | |
| $300 - $18,500 | 10.07% - 35.95% | None | |
| $1,500 - $20,000 | 18% - 35.99% | None | |
| $500 - $5,000 | 60% - 299% | None | |
| $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.
