{"id":27351,"date":"2025-05-02T08:34:13","date_gmt":"2025-05-02T08:34:13","guid":{"rendered":"https:\/\/www.lendingstream.co.uk\/blog\/?p=27351"},"modified":"2025-12-23T10:08:40","modified_gmt":"2025-12-23T10:08:40","slug":"what-credit-score-do-i-need-for-a-loan","status":"publish","type":"post","link":"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/","title":{"rendered":"What Credit Score Do I Need for a Loan in 2025?"},"content":{"rendered":"\n<p>When applying for a personal loan, one of the key factors lenders look at is your credit score. In 2025, knowing the right credit score for different types of loans can help you secure the funds you need.<\/p>\n\n\n\n<p>Whether you\u2019re after a personal loan, mortgage, or debt consolidation loan, the credit score needed for each can help you prepare and boost your chances of approval. In this blog, we\u2019ll break down the typical credit score ranges required for a loan. So you can make informed decisions and take charge of your financial future.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f28368de869\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f28368de869\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#what_are_the_credit_ratings_for_each_credit_reference_agency\" >What are the Credit Ratings for Each Credit Reference Agency?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#what_credit_score_do_i_need_for_a_loan_in_the_uk\" >What Credit Score Do I Need for a Loan in the UK?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#transunion\" >TransUnion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#equifax\" >Equifax<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#experian\" >Experian<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#factors_behind_a_poor_credit_score\" >Factors behind a poor credit score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#what_activities_do_not_affect_my_credit_score\" >What activities do not affect my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#strategies_for_improving_credit_scores\" >Strategies for improving credit scores.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#make_all_payments_on_time_and_in_full\" >Make all payments on time and in full<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#lower_credit_utilisation\" >Lower credit utilisation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#dispute_errors_and_inaccuracies\" >Dispute errors and inaccuracies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#use_experian_boost\" >Use Experian Boost<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#faqs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#what_credit_score_do_you_need_for_a_credit_card\" >What credit score do you need for a credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#how_to_get_an_excellent_credit_score\" >How to get an excellent credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#what_is_the_typical_credit_score_for_a_mortgage\" >What is the typical credit score for a mortgage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#can_i_borrow_money_with_a_low_credit_score\" >Can I borrow money with a low credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-credit-score-do-i-need-for-a-loan\/#how_to_check_my_credit_score\" >How to check my credit score?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_are_the_credit_ratings_for_each_credit_reference_agency\"><\/span><strong>What are the Credit Ratings for Each Credit Reference Agency?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Each <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/credit-reference-agencies\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit reference agency<\/a><\/strong> uses its own scoring and rankings. Here&#8217;s how they break down.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Credit Score Range<\/strong><\/td><td><strong>Very Poor\/Poor<\/strong><\/td><td><strong>Fair<\/strong><\/td><td><strong>Good\/Very Good<\/strong><\/td><td><strong>Excellent<\/strong><\/td><\/tr><tr><td><strong>Experian<\/strong><\/td><td>0-640<\/td><td>641-860<\/td><td>861-1120<\/td><td>1121-1250<\/td><\/tr><tr><td><strong>Equifax<\/strong><\/td><td>0-438<\/td><td>439-530<\/td><td>531-810<\/td><td>811-1,000<\/td><\/tr><tr><td><strong>TransUnion<\/strong><\/td><td>0-565<\/td><td>566-603<\/td><td>604-627<\/td><td>628-710<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_credit_score_do_i_need_for_a_loan_in_the_uk\"><\/span><strong>What Credit Score Do I Need for a Loan in the UK?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There\u2019s no universal minimum credit score required for <strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">loans<\/a><\/strong> or mortgages because each lender has its own criteria. However, a higher credit score usually signals to lenders that you have a solid history of managing credit responsibly. This can lead to more favourable loan terms, such as lower interest rates and higher borrowing limits. On the other hand, a lower score could restrict your borrowing options and lead to higher interest rates.<\/p>\n\n\n\n<p>Lenders use the three major UK credit bureaus, TransUnion, Equifax, and Experian, to assess people&#8217;s creditworthiness.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"transunion\"><\/span><strong>TransUnion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>TransUnion<\/strong><\/a>, one of the leading credit reference agencies in the UK, provides credit scores ranging from 0 to 710. Typically, a credit score above 604 is considered good, while a score above 628 is regarded as excellent. A higher score improves your chances of loan approval at competitive rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"equifax\"><\/span><strong>Equifax<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Equifax<\/strong><\/a>, a prominent credit reporting agency in the UK, offers credit scores on a scale of 0 to 1000. A score above 531 is considered good, above 671 is very good, and a score above 811 is excellent. These higher scores increase the likelihood of being approved for loans with better terms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"experian\"><\/span><strong>Experian<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/experian\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Experian<\/strong><\/a>, the largest credit reference agency in the UK, provides credit scores from 0 to 1250. Generally, a score above 861 is considered good, and above 1121 is excellent. A score below 640 is viewed as poor, which can limit your borrowing options.<\/p>\n\n\n\n<p>While lenders often set minimum credit score requirements, they may accept lower scores. However, your credit score isn&#8217;t the sole factor in loan approval. Lenders also consider other aspects. For example, your debt-to-income ratio, employment status, and overall financial situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"factors_behind_a_poor_credit_score\"><\/span><strong>Factors behind a poor credit score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The main factors behind a poor or <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/bad-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">bad credit score<\/a><\/strong> are often related to borrowing or spending habits.<\/p>\n\n\n\n<p>Opening too many accounts can make your credit history look fragmented. This can make it harder for lenders to assess your financial habits. If you reach your credit limit, lenders may see this as a sign that you are stretched thin and unable to take on more debt.<\/p>\n\n\n\n<p><strong>Applying for multiple credit accounts in a short time can hurt your score.<\/strong> It can suggest you&#8217;re trying to take on more debt than you can manage. Late or missed payments also damage your credit score. It shows lenders that you may have difficulty managing your current financial duties.<\/p>\n\n\n\n<p>Borrowing more than you can afford is another key factor that can harm your credit score. Lenders often view this as an indication of poor financial decision-making and irresponsibility.<\/p>\n\n\n\n<p>Lenders may be cautious when considering applications from people with a short or non-existent credit history. Without sufficient information, lenders are unable to make an informed decision about your ability to repay loans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_activities_do_not_affect_my_credit_score\"><\/span><strong>What activities do not affect my credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Activities that do not affect your credit score include:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Making purchases with cash.<\/li>\n\n\n\n<li>Renting a home or apartment.<\/li>\n\n\n\n<li>Taking out student loans.<\/li>\n<\/ul>\n\n\n\n<p>These activities aren&#8217;t reported to the credit bureaus and don\u2019t directly affect your credit score. However, some credit reference agencies allow you to link certain activities, like utility payments, to your credit file. This gives you a chance to build a credit history without using traditional credit.<\/p>\n\n\n\n<p>Even if you don\u2019t use these services, maintaining a good payment history with utilities can still contribute to your overall financial health, even though it doesn&#8217;t directly impact your credit score.<\/p>\n\n\n\n<p>Inquiries made by lenders, such as when you apply for <strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/short-term-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">short term loans<\/a><\/strong> or <strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/credit-cards-for-bad-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit cards<\/a><\/strong>, are noted on your credit report. However, if the inquiry is a &#8220;<strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/soft-credit-check\/\" target=\"_blank\" rel=\"noreferrer noopener\">soft search<\/a><\/strong>&#8221; (used to check eligibility), it won&#8217;t affect your credit score. Similarly, credit inquiries you make to monitor your own credit information also do not impact your score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"strategies_for_improving_credit_scores\"><\/span><strong>Strategies for improving credit scores.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The following strategies can help you get a <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-is-a-good-credit-score-uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">good credit score<\/a><\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"make_all_payments_on_time_and_in_full\"><\/span><strong>Make all payments on time and in full<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>To maintain your credit score, prioritise paying bills on time. Doing this consistently will gradually increase your credit score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"lower_credit_utilisation\"><\/span><strong>Lower credit utilisation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This calculates how much of your available credit you use. So having a high percentage can lower your score. To improve your credit score, pay off existing debts. You may be able to transfer balances from multiple cards to one with a lower rate. This may help improve your minimum score if you repay more quickly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"dispute_errors_and_inaccuracies\"><\/span><strong>Dispute errors and inaccuracies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Errors or inaccurate information on your credit report can drag down your score. It&#8217;s useful to review your credit report regularly if you can &#8211; at least once a year. Look for any discrepancies and contact the reporting bureau if needed to dispute them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"use_experian_boost\"><\/span><strong>Use Experian Boost<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This feature offered by Experian helps users boost their scores. It takes into account positive financial behaviour that isn&#8217;t usually reported. This includes mobile phone bills and utility payments.<\/p>\n\n\n\n<p>A credit score is an important factor when it comes to getting loan applications approved. Lenders use it to assess your financial stability, creditworthiness, and overall risk. If you have a poor credit history, you may be able to improve your credit score.<\/p>\n\n\n\n<p>However, it&#8217;s not all about credit scores. At <strong><a href=\"https:\/\/www.lendingstream.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lending Stream<\/a><\/strong>, we understand that your financial situation can change, and your credit score may not reflect that. As a result, we look at your income and expenses before making a decision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"faqs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1746174646110\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"what_credit_score_do_you_need_for_a_credit_card\"><\/span><strong>What credit score do you need for a credit card?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It&#8217;s never a guarantee, but at least a good rating will make it more likely that you&#8217;re approved. So, with Experian, that&#8217;s over 881, and over 531 with Equifax. With Transunion, it&#8217;s over 604. You still might be able to apply with a lower score. But the higher your score, the more likely it is that you&#8217;ll get a good deal.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1746174652861\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"how_to_get_an_excellent_credit_score\"><\/span><strong>How to get an excellent credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Make regular, timely payments and manage your debts responsibly to achieve an excellent credit score. Also, keep your debt low relative to your limit. Finally, try not to make too many applications for new credit cards or loans.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1746174659197\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"what_is_the_typical_credit_score_for_a_mortgage\"><\/span><strong>What is the typical credit score for a mortgage?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>There isn&#8217;t a specific credit score, but you should aim for Good or Excellent. It&#8217;ll depend on the lender and the mortgage type you&#8217;re applying for. The greater your score, the better your chances of approval and getting better terms.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1746174665573\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"can_i_borrow_money_with_a_low_credit_score\"><\/span><strong>Can I borrow money with a low credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It is possible to <strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/borrow-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">borrow money<\/a><\/strong> with a low TransUnion credit score. However, you may pay higher interest rates and have a smaller loan amount. Alternatively, a secured loan can improve your chances of getting a loan.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1746174673093\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"how_to_check_my_credit_score\"><\/span><strong>How to check my credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>TransUnion provides a free credit score report but only once a year. To <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-check-your-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">check yours<\/a><\/strong>, go to their website and select the &#8220;TransUnion Credit Report&#8221; option from services. Enter your personal information, verify your identity, and complete the remaining steps. Once finished, you&#8217;ll receive your credit score ranging from 0-710.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><strong>Disclaimer<\/strong>: The information given above is provided for reference only. This is not financial advice.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When applying for a personal loan, one of the key factors lenders look at is your credit score. In 2025, knowing the right credit score for different types of loans can help you secure the funds you need. Whether you\u2019re after a personal loan, mortgage, or debt consolidation loan, the credit score needed for each [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":27352,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[267],"tags":[],"class_list":["post-27351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans"],"_links":{"self":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27351"}],"collection":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/users\/48"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=27351"}],"version-history":[{"count":7,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27351\/revisions"}],"predecessor-version":[{"id":28156,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27351\/revisions\/28156"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media\/27352"}],"wp:attachment":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=27351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=27351"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=27351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}