Having a credit score of 640 and above is usually required by many lenders for a personal loan up to $10000, along with other eligibility requirements such as a minimum income level, age, and state residence.
However, some lenders will look at your overall financial pictures, such as debt-to-income ratio, employment status, and regular income, and take these factors into account as well as the credit score. You can easily find such lenders by using an online broker like WeLoans who will help you to get the loan you need.
Examples of Credit Score Required by Personal Loans for $10000
To get approval for a fast personal loan of $10000 you would normally need a credit score of at least 640, and in some cases, you need a higher score. Even then you may be limited in the amount you can borrow. Here are some examples of reputable lenders and their credit score requirements:
| Lender | Available Loan Range | Credit Score Required |
| American Express | $3,500 - $40,000 | 660 |
| SoFi | $5,000 - $100,000 | 680 |
| Discover | $2,500 - $35,000 | 660 |
| Prosper | $2,000 - $50,000 | 640 |
Conclusion
Even if your credit score is 640, you won't necessarily be approved for a $10,000 loan, and you can spend a lot of time applying for loans to various lenders only to get rejected.
To boost your chances of finding a lender who will offer you a personal loan is to go to an online broker such as WeLoans. You can fill out the easy request form on our website in just a few minutes and we will connect you to multiple lenders who specialize in personal loans to people with fair or even bad credit.