What Can I Get With a 682 Credit Score?

A 682 credit score is generally considered a “Good” credit rating by common scoring models such as FICO and VantageScore. The FICO score range classifies scores between 670 and 739 as Good, while VantageScore considers 661 to 780 as Good. This score indicates a responsible borrowing history and an acceptable level of risk for lenders.

While a 682 score offers access to a broad range of financial products, it typically sits at the lower end of the “Good” range. This means that while approval for various credit opportunities is likely, individuals may not always receive the lowest interest rates or the most premium product terms available to those with “Very Good” or “Excellent” credit. Understanding this position helps in navigating the financial landscape and setting appropriate expectations.

Credit Cards and Lines of Credit

Individuals with a 682 credit score typically find a variety of credit card options accessible. This score generally allows access to standard unsecured credit cards, including those offering rewards, cash back, or balance transfer features. However, the most exclusive cards with top-tier perks or the lowest introductory APRs might still be out of reach.
The interest rates (APRs) on credit cards for those with a 682 score are generally competitive. Credit limits offered are typically reasonable, though they might be lower than those extended to borrowers with higher scores.

Personal and Auto Loans

A 682 credit score generally allows individuals to qualify for personal loans, though the interest rates might not be the most favorable. Loan amounts can vary widely, with repayment terms typically spanning two to seven years.
For auto loans, a 682 score positions borrowers in the “prime” category, indicating a good chance of approval for both new and used vehicles. While competitive, the interest rates may be higher than those offered to borrowers with “super-prime” credit. For instance, in the first quarter of 2025, prime borrowers saw average new car APRs around 6.70% and used car APRs around 9.06%.

Mortgage and Home Equity Opportunities

A 682 credit score typically meets the minimum requirements for various mortgage types, including conventional and FHA loans. Conventional loans often require a minimum credit score of 620, making a 682 score well within the qualifying range. For FHA loans, a score of 500 can be sufficient with a 10% down payment, or 580 for a 3.5% down payment.
While a 682 score allows access to these loans, it may not secure the lowest interest rates, which are often reserved for borrowers with higher scores. Conventional loans may require private mortgage insurance (PMI) if the down payment is less than 20%. Home equity loans and lines of credit (HELOCs) are also generally available, with terms and rates reflecting the creditworthiness demonstrated by a 682 score.

Beyond Traditional Lending

A 682 credit score influences various financial aspects beyond direct lending products. When applying for rental housing, a solid credit score can increase the likelihood of approval and may lead to lower security deposit requirements.
The score can also affect insurance premiums, including auto and home insurance. While not the sole determinant, a favorable credit history can contribute to lower rates. Utility providers such as cell phone companies, electricity providers, and internet services may use credit scores to determine if a security deposit is required for new service. A 682 score can often help in waiving or reducing such deposit demands.