What a 570 credit score gets you
Mortgage
Limited
FHA with at least 10% down today. With 580 this close, it may pay to delay an application by a few statement cycles rather than bring the full 10%.
Car loan
Limited
Car financing may be available, subject to lender requirements. If your VantageScore 4.0 is in the 501-600 tier, Experian’s Q2 2026 averages were 13.52% new and 19.1% used. A FICO 570 does not establish that VantageScore; compare actual APR, amount and term.
Credit cards
Limited
Secured cards are the dependable route. At 570 you are close to the range that cards marketed for fair credit are aimed at, so a few months of clean history widens the choice.
Renting
Possible
Some landlords will rent at this score with a larger deposit or a co-signer; others will not. There is no official minimum, so ask about the screening standard before paying an application fee.
These are broad credit-score categories, not approval odds. Lenders also assess income, debt, credit history and their own requirements.
What 570 costs you in interest
myFICO's published rate bands begin at 620 for mortgages and 640 for cars, so there is no FICO-band price for 570. The car chart below uses Experian's averages by VantageScore tier, where 570 sits in the upper part of the subprime step.
If your VantageScore 4.0 is 570
Subprime · 501–600. A FICO 570 does not establish this VantageScore.
$460.40/mo · $7,624 total interest
$519.91/mo · $11,195 total interest
Illustration: $20,000 financed over 60 months at the quarterly average APR. Experian averages cover different loan terms; these are payment scenarios, not quotes for a 60-month loan. Compare your amount and another VantageScore →
$35,000 new car, 60 months, by VantageScore tier
| Score band | Rate | Monthly | Total interest | vs. best |
|---|---|---|---|---|
| 781–850 | 4.41% | $651 | $4,064 | – |
| 661–780 | 6.15% | $679 | $5,746 | +$1,681 |
| 601–660 | 9.71% | $739 | $9,320 | +$5,255 |
| 501–600 | 13.52% | $806 | $13,342 | +$9,278 |
| 300–500 | 16.11% | $853 | $16,191 | +$12,126 |
On this chart, 570 and 600 pay the same average, and 601 pays less. Ten points to 580 does not move the car price; another twenty-one would.
For a mortgage, FHA is the realistic route, and 570 is the most frustrating place to stand under its rules. As an illustration, on a $200,000 home 10% down is $20,000 and 3.5% would be $7,000, so a borrower ten points short needs $13,000 more in cash. FHA also requires a three-bureau credit report, which means the lender sees all three of your scores: check each one, since a 570 at one bureau may sit next to a different number at another.
What changes in your down payment?
Compare the FHA minimum at 570 with 580 using the same home price.
10% minimum down payment
3.5% minimum down payment
Cash requirement changes. This is not an interest saving.
Putting less down means borrowing more for the same home. Compare the monthly payment and cash reserve as well as the upfront requirement. Closing costs, mortgage insurance and lender requirements are additional. These examples assume the price equals the FHA adjusted value; a lower appraisal can change the cash needed.
Source: HUD FHA credit-score and LTV rules →What would a different score cost?
Same loan. Two scores. See the difference.
VantageScore 4.0 scenarios · Experian Q2 2026. A FICO 570 does not establish a VantageScore of 570.
At 601 compared with 570
| Score | Reference rate | Monthly payment | Total interest |
|---|---|---|---|
| 570 | 13.52% | $460.40 | $7,624.18 |
| 601 | 9.71% | $422.09 | $5,325.56 |
At 601, the estimate is $38.31 less per month and $2,298.62 less interest over the full term.
Car APR averages by VantageScore 4.0 tier, Experian Q2 2026. Both scores use the same quarterly dataset. Terms and amounts are illustrative; the averages are not specific to a 60-month loan. Methodology.
What this estimate includes
Estimates use national average bands, not an offer or approval prediction. Your lender may use a different score. Mortgage payments exclude taxes, insurance, mortgage insurance and fees. Full-term interest assumes no refinancing, early payoff or extra payments.
How to get from 570 to 580
Ten points is a short numerical gap, but neither the gain nor the time needed is predictable from the score alone.
- Check all three reports for errors. At this distance, one misreported late payment or a collection that is not yours may be the whole gap. Disputes are free and the bureaus must investigate.
- Lower your reported card balances. Amounts owed are 30% of a FICO score, and the change shows as soon as issuers report the lower balances.
- Add nothing new. An application adds an inquiry and a new account lowers the average age of your history; new credit and length of history together make up 25% of a FICO score.
- Keep paying on time. Payment history is 35%. A late payment now would push the target further away just as it comes into reach.
If a lender is already involved, tell it how close you are. The decision rests on the scores in the three-bureau report it pulls, so that report is the one worth timing. From January 2027, FHA will also accept VantageScore 4.0 and FICO 10T, with the same 500 and 580 thresholds whatever the model.
What a Poor score means (300 to 579)
Credit is still possible, but on the lender's terms: deposits, co-signers and high rates. 14.7% of Americans with a FICO score are in this range, according to Experian's 2025 data. What the poor range means in practice.
Questions about a 570 score
Can I get an FHA loan with a 570 credit score?
Yes, with at least 10% down. At 580 the minimum falls to 3.5%, and HUD's debt-to-income limits on manually underwritten loans loosen too.
Is 570 a fair credit score?
No. FICO's Fair range starts at 580, so 570 is in the Poor range. On VantageScore it is Subprime, a tier that runs up to 600.
Sources (9)
- HUD Handbook 4000.1 (FHA minimum credit scores) and Mortgagee Letter 2026-11, October 8, 2026
- Experian: State of the Automotive Finance Market, Q2 2026, August 2026
- myFICO: What is a FICO Score? (score ranges and what goes into them)
- VantageScore: The complete guide to your VantageScore, June 2025
- CFPB: Tenant background checks market report, November 2022
- AnnualCreditReport.com (free reports from all three bureaus)
- CFPB: How do I dispute an error on my credit report?
- Experian: What is the average credit score in the U.S.? (share of consumers in each FICO range), 2025 data, published March 2026
- FTC: Credit scores
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