Secured cards & credit builders
ANY SCORE · $200 – $5,000
The on-ramp: deposit-backed cards and builder loans that report positive history to all three bureaus while disputes run.
- Any score band
- Refundable deposit
- On-time autopay habit
Funding options
The doors, by score
Each door lists the score band that opens it and what the lender checks on the day you apply. Repair clears the runway; this is where it leads.
Personal installment loans
620+ SCORE · $1,000 – $50,000
Unsecured loans for consolidation or cash flow. At 620+ the doors open; at 740+ the APR drops by half or more.
- 620+ score
- Documented income
- Utilization under 40%
Auto financing
580+ SCORE · $5,000 – $100,000
Subprime auto starts near 580, but prime tiers at 700+ cut the APR from ~14% to ~6% on the same vehicle.
- 580+ score (700+ for prime)
- Proof of income
- 90-day quiet window helps
Business credit lines
680+ SCORE · $10,000 – $250,000
0% intro business cards and credit lines built on your personal score plus an EIN. The 680/720 thresholds gate the real limits.
- 680+ personal score
- Registered LLC or corp
- Clean 12-month history
Mortgage readiness
620+ SCORE · $100,000+
FHA opens at 580-620; conventional pricing steps every 20 points. A 760+ profile saves six figures over a 30-year note.
- 620+ (760+ for best pricing)
- 2-year income history
- DTI under 43%