Credit-score-ranges -

While specific benchmarks can vary slightly between lenders, credit scores are generally grouped into five categories:

Borrowers in this elite tier are considered minimal-risk. According to Experian , these individuals qualify for the best interest rates and most favorable financial products. Achieving a score in this range, such as an 830, is rare and typically limited to the top 1% to 2% of consumers. credit-score-ranges

Individuals in this category are often labeled "subprime". While still eligible for credit, they may face higher interest rates and more restrictive terms. While specific benchmarks can vary slightly between lenders,

Often referred to as "acceptable" credit, this range includes the average U.S. consumer (the average FICO score in 2025 was 713). Most lenders will approve standard loan terms for individuals in this bracket. such as an 830