The credit score you need for deep freezer financing can vary depending on the lender. Since a deep freezer loan is usually an unsecured loan with no collateral, it's likely that you will need good credit to qualify. In some cases, you may qualify with fair credit but offers will be more likely to be returned for borrowers with good credit. Most lenders on the Acorn platform have a credit score cutoff of 600 or above. If you have less than perfect credit you will likely have an easier time qualifying for a personal loan as opposed to promotional financing offered through a retailer. Alternatively, if you are purchasing several appliances, including a deep freezer, you may want to consider a secured loan such as a home equity loan or home equity line of credit. You will need equity in your home to qualify, but secured loans may be easier to qualify for with less than perfect credit. In addition, you may be able to lock in a lower rate. The downside is that you will have to use your home or another asset as collateral and the application and funding process can be lengthy. If you only need to finance a deep freezer, you should try to qualify for a personal loan or use financing offered through a retailer. If your credit score does not allow you to qualify at this time, you should apply with a cosigner or work on rebuilding your credit and apply at a later date.