Is 660 a good credit score?

Quick Loan Request

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use, I understand that by submitting my information, I may be contacted by telephone by one lender.

Prequalifying doesn't affect your credit score!

Payday Loans that Fit your Needs

  • Instant cash to help at your emergency situation
  • Available for both good and bad credits
  • Super quick approval from direct lenders
  • No hard credit check
  • No guarantor or collateral required
  • Safe and confidential application

A 660 score is in the "fair" range, it’s not bad but not good either. You may still be charged higher interest rates by some lenders. But you can increase your score following some simple advice.

What is considered a fair credit score?

660 credit score falls within the range of scores from 580 to 669, which is considered “Fair Score” by FICO rating. It’s a bit lower than the average score which makes borrowers with 660 credit rather risky for lenders.

Some lending companies prefer not to offer loans to applicants with fair credit as there’re high opportunities that they default the loan. Applicants with the score below than 670 may need to provide a collateral or apply with a co-signer. Otherwise their interest rates are going to be rather high.

However, you are not alone with the credit score of 660. More than 21% of all Payday Loan consumers have poor FICO® Scores.

Credit score range

Find out what are the other credit score types according to the FICO range:

Score Range

Value Range


Excellent Credit Score

800 & Above


Very Good Credit Score

740 - 799


Good Credit Score

670 - 739


Fair Credit Score

580 - 669


Poor Credit Score

579 & Below






What is a 660 fair credit score?

A 660 credit score is "fair" according to the standard 300-to-850 FICO score scale. A 660 credit score will hardly impress any lending organizations. Banks will even not consider your application in most cases. But what concerns online lenders, you have good chances of approval for the necessary funding even with 660 score. Choose bad credit Payday Loans from direct lenders and you are sure to find a suitable offer.

Here’s an overview of a 660 credit score:

  • Credit Rating: Fair
  • Loan Options: Fair Credit Loans
  • Loan Cost: 400% APR and higher for Payday Loans
  • Best Option: Online Payday Loan with no credit check for fair credit

660 Credit Score Loan Options

As 660 is a fair credit score, you should consider borrowing fair credit loans – the most popular, quick and easy ones being Online Payday Loans and Personal Loans for fair credit. Your choice is likely to be short-term and small-dollar emergency loan with no hard credit check. Then, even with low credit you can get guaranteed approval from a legit direct lender specializing in quick loans.

How to improve your 660 Credit Score

Though your 660 score is not perfect, there’re many things you can do to improve it.

Just follow this expert advice and in several months you are guaranteed to have a good credit:

  • Get a free credit report to check your credit score. It will help you prioritize any credit missteps you should address first
  • Pay bills on time and try not to use more than 30% of the credit limit on all your credit cards. The less you use, the better it is for your score.
  • Apply for secured loans backed by collateral.
  • Consider a  credit-builder loan.
  • If you can’t repay any loan, discuss a  debt-management plan  to get some relief.
  • Apply for a secured credit card. Regular payments will be reflected in your credit report and will contribute to your credit score improvement.

What’s a good credit score?

If we speak about a standard FICO score range between 300-850, a good credit score is 700 and above. Most consumers have 600 – 750 credit score.

What’s the highest credit score?

The credit score above 800 is considered to be excellent. The highest possible score according to the major scoring models is 850. Only 20% of Americans can boast of the score higher than 800.

Does checking your credit score lower it?

First of all, let’s check what main factors affect your credit score. It will let you build the correct tactics how to improve the score.

FICO Scoring Model Calculation (Weight) Factors

Credit Factors

Credit Score Weight

Payment History


Credit Utilization


Credit Age


Different Types of Credit


Number of Inquiries


How does each factor influence the credit score and what can be done about it?

  • Bankruptcy – can hurt your score significantly. Besides, it stays on your report for a long time - 7 up to 10 years. Only with time the score will recover.
  • Credit utilization rate shouldn’t rise over 30% to avoid hurting your credit score.
  • Late or missed payments on bills take about 35% of the affect on credit score. Try to avoid it.
  • Duration of credit history - a longer credit history tends to lead to a higher credit score.
  • Total outstanding debt and types of loans you take out are responsible for 10% of your FICO® Score. The richer your credit portfolio is the better.
  • Multiple loan applications recently can lower your credit score. The fewer hard inquiries you have the safer your score is. So, avoid applying to a lot of lenders or choose those with no hard credit check.

(Checking your own credit is a soft inquiry and does not affect your credit score.)

Dealing with credit report errors

It’s useful to check your credit report not only to find out your score but also to make sure it contains only correct information. There may be some errors which must be corrected immediately to avoid making your 660 credit score even worse.

Negative incorrect information takes 33% of all the factors that can damage your credit score!

How to dispute your credit report?

If you noticed any errors on your credit report, you should immediately file a dispute with the credit bureau.

Check my credit score

Every improvement must start somewhere. 660 credit score is a good point to begin with. Check your credit score at first by getting your free credit report from EquifaxExperian, or TransUnion.  Get access to more loan options, lower interest rates, and reduced fees and terms.

How Good Is Your Credit Score?

With us you get 24 / 7 access to same day Payday Loans