Rick Bormin, Personal Loans Moderator
Applicants need a credit score of 680 to get a personal loan from Citizens One, according to the company. That means the Citizens One personal loan credit score requirement is in the fair credit range. To put this in perspective, most other lenders' credit score requirements for personal loans range between 585 and 700.
Keep in mind that just having a 680 credit score is not enough to qualify you for a Citizens One personal loan. Citizens One will consider your entire financial profile, including things like your income, existing debts and recent credit inquiries, when deciding whether to approve you. It's also worth noting that some applicants might be able to get a personal loan from Citizens One with a slightly lower score if it's offset by other factors like an especially high income. But it's best to wait to apply until your score meets the threshold.
If you're unsure of what your current credit score is, you can check it for free on WalletHub. You can also pre-qualify for a Citizens One personal loan online to gauge your chances of getting approved with your current credit score.
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