What Loans Can I Get With a 800 Credit Score?
A credit score of 800 falls in the Excellent range (720-850). Here is what that typically means for the loans you can get and the rates you can expect.
What a 800 score unlocks
At this score you are in the strongest position. You should expect the lowest advertised rates, the highest loan amounts, and the widest choice of lenders. Negotiate, and compare at least three offers.
Loan availability at 800
| Loan category | Availability | What to know |
|---|---|---|
| Unsecured personal / installment loan | Available | Typical minimum score is 580. |
| Secured auto loan | Available | Typical minimum score is 500. |
| Mortgage / home purchase loan | Available | Typical minimum score is 580. |
| Home equity loan / HELOC | Available | Typical minimum score is 620. |
| Business loan / line of credit | Available | Typical minimum score is 600. |
| Federal student loan | Not credit-scored | Approval is not based on a credit score. |
| Private student loan / refinance | Available | Typical minimum score is 650. |
| Payday / cash-advance / no-credit-check loan | Not credit-scored | Approval is not based on a credit score. |
| Car title loan | Not credit-scored | Approval is not based on a credit score. |
Availability reflects typical minimum-credit guidance. Individual lenders set their own criteria, so treat this as a guide, not a guarantee.
Likely available to you
- Unsecured personal / installment loan
- Secured auto loan
- Mortgage / home purchase loan
- Home equity loan / HELOC
- Business loan / line of credit
- Private student loan / refinance
Not credit-scored: Federal student loan, Payday / cash-advance / no-credit-check loan, Car title loan. These products base approval on income or collateral.
How to improve your score
- Pay every bill on time — payment history is the single biggest factor.
- Keep credit utilization below 30%, and ideally below 10%.
- Dispute errors on your credit report; corrections can lift a score within weeks.
- Avoid unnecessary hard inquiries, and let older accounts age.
- Consider a credit union or a secured card to rebuild history.
Check your own numbers
Use our Do I Qualify? checker to see your estimated debt-to-income ratio and rate range, estimate a payment with the loan payment calculator, and review the loan rules for your state.
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Frequently asked questions
What loans can I get with a 800 credit score?
A 800 score is in the excellent range. It generally unlocks most loan categories at competitive rates.
Is a 800 credit score good?
A 800 score falls in the excellent range (720-850). That is a strong position.
How can I improve a 800 credit score?
Pay on time, keep utilization below 30%, dispute report errors, and avoid unnecessary hard inquiries. A credit-builder loan or secured card can help rebuild history.