What a 670 credit score gets you
Mortgage
Options available
You are above Fannie Mae’s general 620 score floor for manually underwritten fixed-rate loans; exceptions and other eligibility requirements still matter. Approval will turn on income, debts and down payment. Pricing is another matter: Fannie Mae charges its loan-level fees in 20-point score bands, and 660–679 is the costliest band that reaches into Good.
Car loan
Options available
Banks, credit unions and dealer lenders may offer financing, subject to their requirements. On price you are in the 660–679 band, the steep end of the car staircase within this range: each of the next three bands up is cheaper.
Credit cards
Possible
Unsecured mainstream cards are realistic now. The price is the weak spot: the Federal Reserve's average on accounts that pay interest is 22.15%, and someone one point out of Fair should not expect to beat it. Pay in full and the APR never touches you.
Renting
Options available
There is no official minimum score for renting; each landlord or screening company sets its own bar, and 670 rarely falls below it. If you are turned down anyway, ask which screening company ran the check, because the report covers far more than your score.
These are broad credit-score categories, not approval odds. Lenders also assess income, debt, credit history and their own requirements.
What 670 costs you in interest
On both staircases 670 shares a bar with 660: the label changed, the band did not. On the car chart the 680 bar is a clear step lower than yours. On the mortgage chart it is almost level, and the drops that matter come at 700 and 740.
$350,000 mortgage, 30-year fixed
At 670: 7.79%, $2,517 a month, $556,165 in interest over the loan.
| Score band | Rate | Monthly | Total interest | vs. best |
|---|---|---|---|---|
| 780–850 | 7.29% | $2,397 | $512,963 | – |
| 760–779 | 7.39% | $2,421 | $521,539 | +$8,576 |
| 740–759 | 7.47% | $2,440 | $528,423 | +$15,460 |
| 720–739 | 7.58% | $2,466 | $537,923 | +$24,960 |
| 700–719 | 7.63% | $2,478 | $542,254 | +$29,290 |
| 680–699 Next | 7.75% | $2,507 | $552,679 | +$39,716 |
| 660–679 You | 7.79% | $2,517 | $556,165 | +$43,201 |
| 640–659 | 7.9% | $2,544 | $565,775 | +$52,812 |
| 620–639 | 8.08% | $2,588 | $581,580 | +$68,617 |
$35,000 new car, 60 months
At 670: 8.3%, $715 a month, $7,883 in interest.
| Score band | Rate | Monthly | Total interest | vs. best |
|---|---|---|---|---|
| 780–850 | 6.2% | $680 | $5,794 | – |
| 760–779 | 6.24% | $681 | $5,834 | +$39 |
| 740–759 | 6.38% | $683 | $5,971 | +$177 |
| 720–739 | 6.4% | $683 | $5,991 | +$196 |
| 700–719 | 6.85% | $691 | $6,434 | +$640 |
| 680–699 Next | 7.5% | $701 | $7,080 | +$1,285 |
| 660–679 You | 8.3% | $715 | $7,883 | +$2,088 |
| 640–659 | 9.19% | $730 | $8,786 | +$2,992 |
National averages by FICO band from myFICO (data: Curinos), as of October 29, 2026. The rate you are offered depends on the lender, your down payment, income and debts. Where these rates come from.
What would a different score cost?
Same loan. Two scores. See the difference.
At 680 compared with 670
| Score | Reference rate | Monthly payment | Total interest |
|---|---|---|---|
| 670 | 7.79% | $2,517.12 | $556,164.73 |
| 680 | 7.75% | $2,507.44 | $552,679.43 |
At 680, the estimate is $9.68 less per month and $3,485.30 less interest over the full term.
Reference rates: 30-year fixed mortgages, October 29, 2026, myFICO (Curinos). Changing the amount or term holds these rates constant. 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 670 to 680
If you crossed out of Fair recently, protect that before anything else. A single new late payment would put you back below 670, and accurate negatives can stay on a report for up to seven years. With that covered, ten points from the bottom of a band is usually a balance question rather than a history question.
- Put every account on autopay for at least the minimum. Payment history is 35% of a FICO score. It is the one factor where a single slip costs more than months of good behavior earn back.
- Lower what your cards report. Amounts owed is 30% of the score, and what the bureaus see is the balance on your statement. Paying before the statement closes, instead of by the due date, changes that number the same month.
- Pull your three reports and read them. A collection that is not yours or an old account shown as unpaid is worth ten minutes of reading. Disputing it with each bureau that lists it is free.
- Hold off on new cards until the car is financed. New credit is 10% of the score, and an application now lands right where you need the points.
If no car is in your plans, skip the sprint. 680 changes little on a mortgage, and the same habits will carry you toward 700, where both loans get cheaper.
What a Good score means (670 to 739)
A good score can give you a wider choice of lenders. This is the stretch where published reference bands can still change the estimate. 20.1% of Americans with a FICO score are in this range, according to Experian's 2025 data. What the good range means in practice.
Questions about a 670 score
Is 670 a fair or good credit score?
Good, by one point. FICO's Fair range ends at 669 and Good runs from 670 to 739. On VantageScore 3.0 and 4.0, 670 falls in the Prime tier, which starts at 661.
Can I get a credit card with a 670 credit score?
Yes, most mainstream unsecured cards are realistic at 670. Expect an APR toward the high end of what the card advertises, and pay the balance in full if you can.
Sources (10)
- myFICO Loan Savings Calculator (rates by FICO band, data: Curinos), updated daily
- myFICO: What is a FICO Score? (score ranges and what goes into them)
- VantageScore: The complete guide to your VantageScore, June 2025
- Fannie Mae Selling Guide B3-5.1-01, General Requirements for Credit Scores
- Fannie Mae Loan-Level Price Adjustment Matrix, September 30, 2026
- Federal Reserve G.19 Consumer Credit (credit card interest rates), October 7, 2026
- FTC: Credit scores
- 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
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