 TITLE: How Long Does It Take to Get a Personal Loan? CONTENT: What Credit Score Do I Need to Get a Personal Loan?\n---------------------------------------------------\nA strong credit score tends to unlock lower interest rates and better borrowing terms for personal loans. And while it's still possible to get a personal loan with a lower score, the added interest will end up costing you more in the long run. You may also be ineligible with certain lenders that have higher credit score requirements. Generally speaking, those with a minimum FICO® Score☉ of 670 will have the most choices.\nIf your credit is lower, however, you may still have options. Avant personal loans, for example, offer competitive rates for borrowers with fair credit (a FICO® Score of 580 to 669)—and they fund as early as the next business day. Most Avant customers have a credit score ranging from 600 to 700, according to the company.\nIt's important to note that lenders look at more than just your credit. Your income is another factor in your personal loan application because lenders want reassurance that you'll be able to repay your loan without any hiccups. They'll zero in on your debt-to-income ratio, which shows how much of your gross monthly income is currently earmarked for debt payments. Having lots of competing debt obligations could affect your eligibility.\nIf you're seeking a personal loan and your credit score could be stronger, ask yourself if it's possible to improve your credit before applying. Paying your bills on time and reducing your credit card balances can help strengthen your score—and your odds of qualifying for an affordable personal loan. END