As we said above, many hard money lenders don’t have specific credit requirements. Your credit score is just one piece of their approval puzzle, and some lenders don’t place much importance on it. (Instead, they care a lot about your liquidity and experience.) So if you have bad credit, it's not necessarily the end of the world. That said, hard money lenders that care about personal credit scores usually look for something in the 600s. A 600 personal credit score is the lowest requirement we’ve seen.