More often than not, lenders consider applicants with a score of 670 and above, as ‘lower-risk’ borrowers. Applicants whose score lies between 580 and 669, are usually considered ‘sub-prime’, implying that they may not be eligible for better loan terms. While those below 580 would be categorized as having ‘poor credit’ and would have a very slim chance at qualifying for better loans terms or getting credit altogether.