To qualify for a personal loan, you typically need a credit score of 750 or higher, as this shows lenders you’re reliable with repayments. Some banks or financial institutions may accept scores as low as 650, but a higher score increases your chances of approval and better interest rates. Your credit score reflects your credit history, including timely bill payments and existing debts. If your score is lower, you might still qualify with a stable income or co-applicant, depending on the lender’s criteria. Always check with the specific lender for their minimum score requirement.