In most cases, a borrower will need a minimum credit score in the 610 – 640 range to qualify for an unsecured personal loan. If you have a lower FICO Score, you might need to choose a secured option or ask someone to be your co-signer. Just be aware that some lenders, including Rocket LoansSM, don’t accept co-signers. And, if you manage to secure a personal loan with a low credit score, you’ll most likely have a high interest rate or a short repayment term.