Credit Score 660-699

What a 660-699 Score Means for Your Loan

A 660-699 credit score sits within Equifax's Good band (660-724). 660-699 sits inside Equifax's Good range, a tier where most mainstream lenders — not just subprime specialists — are willing to compete for your business. This typically means more choice and meaningfully better rates than the Fair tier. See our full credit score ranges guide to compare against other tiers.

What Lenders See at This Score

• A solid, consistent payment history over multiple years
• Reasonable utilization across revolving credit
• Established credit history with a healthy account mix
• Approval odds are generally high across our lender network

Typical Rates & Approval Odds

Borrowers in this range typically see rates well below our network's average, with fast approval and fewer documentation requirements. This is often considered the range where a personal loan becomes genuinely cost-competitive with other financing options.

Eligibility Requirements

• 18 years or older (19 in BC, NB, NL, NS, NT, NU, and YT)
• Canadian citizen or permanent resident
• Valid Social Insurance Number (SIN)
• Active bank account in your name
• A regular source of income

Tips to Improve Your Score

• Keep utilization below 30%, and ideally under 10%, to push toward Very Good (725+).
• Avoid closing your oldest credit accounts, since credit history length continues to matter even at Good scores.
• Continue making all payments on time — at this tier, a single missed payment has an outsized negative impact relative to the progress made to get here.

Explore Loans From Other Angles