Chances of personal loan approval?

[Anonymous]

I’m planning on trying to get a personal loan within the next few months, my plan is to get me scores to above or around 680 at least, utilization less than 60% last late payment was over 3 years ago and only derog I have I believe is medical bill that’s paid off from 2016 i think.

Looking at :
SoFi
Discover
Barclays (have a card with them)
Any other suggestions?

[Anonymous]

Maybe Lending Tree, Prosper and American Express?  Or another bank and/or credit union?  Or subprime lender If your credit score is too low.  

[Anonymous]

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@Anonymous wrote:
I’m planning on trying to get a personal loan within the next few months, my plan is to get me scores to above or around 680 at least, utilization less than 60% last late payment was over 3 years ago and only derog I have I believe is medical bill that’s paid off from 2016 i think.

Looking at :
SoFi
Discover
Barclays (have a card with them)
Any other suggestions?

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It couldn't hurt to check out the prequals since it is only a SP.  You'll at least get an idea of what rates and terms are offered.  A CU would probably be your best bet for rates.  If I had to guess, with a 680 you are probably looking at 16-20% with CUs being lower.  You could also take Sofi off that list.  I have read that you need a minimum of 720 to qualify which shocked me and they would prefer to see an unblemished profile.

[CreditInspired]

OP, IMHO, less than 60% UT is still too high. I suggest getting it to less than 28.9%.

GL2U