If you have a credit score of 669 or less, you fall into the category of fair credit, which is still not great in the eyes of most lenders. You are considered a subprime borrower, so getting credit might be difficult and interest rates will likely be high.

If you’re looking to get a personal loan, you should consider a credit union as your first stop. They often have more relaxed credit requirements and tend to offer better personal loan rates due to their nonprofit structures.

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