What credit score do you need for a TD Bank personal loan? This question is about Personal Loans

What credit score do you need for a TD Bank personal loan?

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This question is about Personal Loans

Rick Bormin, Personal Loans Moderator

@rhandoo2020 • 05/06/21 This answer was first published on 05/06/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Applicants need a credit score of 660 to get a personal loan from TD Bank, according to the company. That means the TD Bank 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 660 credit score is not enough to qualify you for a TD Bank personal loan. TD Bank 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 TD Bank 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.

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Does TD Bank offer good debt consolidation loans?

TD Bank has many different options for debt consolidation, including personal loans and lines of credit, home equity loans and lines of credit, and credit cards. These methods differ in important ways, such as their collateral requirements (or lack thereof), how long they last, what rates they offer, and if you can use them to borrow more than once.

TD Bank Debt Consolidation Options:

Unsecured personal loan
Personal line of credit (unsecured)
...

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How do you get a personal loan?

Getting a personal loan is a lot easier than many people think. Most people are familiar with the credit card application process, however, and getting a personal loan is very similar. In general, you comparison shop to find an offer that suits your needs in terms of loan amount, length and APR. Then, you check for pre-approval to gauge your odds of success. Once you’re confident you want to apply, you fill out an application...

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Are there any personal loans with guaranteed instant approval?

There are no personal loans with guaranteed instant approval. Many lenders offer the opportunity for near-instant approval, with a decision minutes to hours after they receive the application. But personal loan approval is never guaranteed under any circumstance. All lenders have some sort of requirements for approval, even those that accept people with bad credit. Plus, getting approved for a loan doesn’t mean that the applicant has the funds yet. It’s rare for a lender...

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