NetCredit says it evaluates borrowers based on their full financial picture, not just their credit history. A bad credit score (629 or lower) may not prevent you from getting this loan.

Your credit will be checked if you choose to apply for a NetCredit personal loan or line of credit. You can, however, check your eligibility and offers without affecting your credit score.

A 300 FICO® Score is significantly below the average credit score. Many lenders choose not to do business with borrowers whose scores fall in the Very Poor range, on grounds they have unfavorable credit.

Tier 2 Credit: Considered a very good credit score, scores ranging from 740 – 799. Tier 3 Credit: Considered good credit with scores typically ranging from 670 – 739. Tier 4 Credit: Considered fair or poor credit, with scores that can range from 580 – 300.

Most of the credit scores that lenders use in the United States, including most versions of the FICO Score, range from 300 to 850. Therefore, most financial professionals generally accept that 300 is the lowest credit score a consumer can have.

For a score with a range between 300 and 850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750. In 2022, the average FICO® Score☉ in the U.S. reached 714.

How To Get A Loan With No Credit

1. Work With Your Bank Or Credit Union.
2. Find A Co-Signer.
3. Ask To Borrow From Family Members Or Friends.
4. Apply For A Credit Builder Loan.

NetCredit only offers unsecured loans, which do not require you to put something up as collateral, such as a car, home or money in a savings account.

The most commonly used credit scoring models have a range of 300-850. It is not possible to get a score of 900. Older models of the FICO® and VantageScore® went up to 900, and there are other specialized scores that have different ranges going up to 900.

What is the highest credit score you can get? A 900 credit score may be the highest on some scoring models, but this number isn't always possible. Only 1% of the population can achieve a credit score of 850, so there's a certain point where trying to get the highest possible credit score isn't realistic at all.

Your score falls within the range of scores, from 300 to 579, considered Very Poor. A 400 FICO® Score is significantly below the average credit score. Many lenders choose not to do business with borrowers whose scores fall in the Very Poor range, on grounds they have unfavorable credit.

A 700 credit score is not rare, considering that the average credit score is 714 and 67% of adults have a credit score of 670 or higher, according to data from Experian, one of the three major credit bureaus. Credit scores between 700 and 750 are categorized as “good” credit.