There isn’t a magic number that serves as the dividing line that determines whether a loan will be approved or rejected. Different lenders have their individual acceptance standards — and no lender publishes its minimums for acceptance. That said, you can follow certain guidelines that may help you apply only to lenders that give you the best chance of acceptance. Banks traditionally only want to lend to consumers who have a good or excellent credit score. On a FICO range of 300 to 850, “good” credit constitutes any credit score of 670 or higher. But that doesn’t mean you can’t receive loan approval if you have a sub-670 score. In fact, finding an online loan is easier than you think. So many online lenders exist today that there’s simply too much competition for consumers who have good credit. Many lenders have to wander outside of their comfort zones to make a profit, which means entering the bad credit loan marketplace. Most of these lenders partner with online lending networks, which act as a referral source that sends would-be lenders to their doorstep.