What a 750 credit score gets you
Mortgage
Options available
Conventional, FHA and jumbo options may be available, subject to lender requirements, with reference pricing below the top band. The 760 and 780 rungs still lower the rate.
Car loan
Options available
Priced in one of the cheapest bands. The difference to an 800 score on a typical new-car loan is small enough to ignore.
Credit cards
Options available
Premium and travel cards are realistic. Approval will turn more on income and how many cards you opened recently than on the score.
Renting
Options available
A strong score can help, but landlords also consider income, rental history and their screening requirements.
These are broad credit-score categories, not approval odds. Lenders also assess income, debt, credit history and their own requirements.
What 750 costs you in interest
On both staircases, 750 sits near the bottom of the bars: the published reference rates are close to the top band. There are still cheaper published bands on both charts.
$350,000 mortgage, 30-year fixed
At 750: 7.47%, $2,440 a month, $528,423 in interest over the loan.
| Score band | Rate | Monthly | Total interest | vs. best |
|---|---|---|---|---|
| 780–850 | 7.29% | $2,397 | $512,963 | – |
| 760–779 Next | 7.39% | $2,421 | $521,539 | +$8,576 |
| 740–759 You | 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 | 7.75% | $2,507 | $552,679 | +$39,716 |
| 660–679 | 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 750: 6.38%, $683 a month, $5,971 in interest.
| Score band | Rate | Monthly | Total interest | vs. best |
|---|---|---|---|---|
| 780–850 | 6.2% | $680 | $5,794 | – |
| 760–779 Next | 6.24% | $681 | $5,834 | +$39 |
| 740–759 You | 6.38% | $683 | $5,971 | +$177 |
| 720–739 | 6.4% | $683 | $5,991 | +$196 |
| 700–719 | 6.85% | $691 | $6,434 | +$640 |
| 680–699 | 7.5% | $701 | $7,080 | +$1,285 |
| 660–679 | 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 760 compared with 750
| Score | Reference rate | Monthly payment | Total interest |
|---|---|---|---|
| 750 | 7.47% | $2,440.06 | $528,423.37 |
| 760 | 7.39% | $2,420.94 | $521,539.16 |
At 760, the estimate is $19.12 less per month and $6,884.21 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 750 to 760 (if you need to)
At 750 there is usually nothing wrong to fix. The last points come from small things:
- Let less of your limits show. Amounts owed are 30% of a FICO score, and the relevant balance is the one reported to the bureau. Paying a card down before the statement closes is enough.
- Keep applications rare. A new card can drop you below 740 for a few months, through the inquiry and the younger average age of your accounts. Time any new card after, not before, a mortgage.
- Wait. Age of credit keeps working for you without doing anything.
If a mortgage is a year away, these are worth the effort. If not, 750 already buys you nearly everything a perfect score would.
What a Very good score means (740 to 799)
This is the most crowded range on the ladder: more than a quarter of Americans with a FICO score sit in it, according to Experian's 2025 data. From 740 up you are already in the bands lenders compete for. The remaining car-loan reference steps are smaller than those lower down, but the dollar difference depends on the amount and term. Mortgages still have two rungs above you, at 760 and 780, and on a 30-year loan those small rate steps add up to real money.
A score in this range does not establish that every report entry is accurate. Check the records and the lender’s score before an application. The points left come from using a small slice of your card limits, letting accounts age, and keeping applications rare. If you are about to apply for a mortgage, that is the time to care. Otherwise, a score in the 740s already gets you nearly everything an 800 does.
Sources (4)
- myFICO Loan Savings Calculator (rates by FICO band, data: Curinos), updated daily
- Fannie Mae Selling Guide B3-5.1-01, General Requirements for Credit Scores
- myFICO: What is a FICO Score? (score ranges and what goes into them)
- 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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