490 and below
Very Challenged - In this range, securing financing can be challenging depending on the credit score. All effort should be made to pay existing debts and maintain a clear borrowing history moving forward.

500-600
Challenged - In this range, securing financing can be challenging depending on the credit score. All effort should be made to pay existing debts and maintain a clear borrowing history moving forward.

600-640
Financing is common for those with "Fair" credit, although with increased restrictions and higher APRs

640-670 APR
Good - This rating will see slightly higher APRs. However, consideration is usually given to the length of established credit history and whether a score is on the high or low end.

670-700
Very Good - Like a "Great" rating, this will earn low APRs, although credit applications with this rating may be subject to more scrutiny than "Great."

750+ APR
Excellent - Established over a number of years, consumers with "Excellent" credit have a proven record of timely payments and ability to manage credit. This usually earns the privilege of the lowest Annual Percentage Rates (APRs) available.

700-750
Great - Like an "Excellent" rating, this will earn low APRs, although credit applications with this rating may be subject to more scrutiny than "Excellent."