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685 Credit Score, is it Good? Understanding Your FICO Score and What It Means for Your Financial Future

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  • Post last modified:July 7, 2024

Credit scores play a crucial role in your financial life, influencing everything from loan approvals to interest rates. If you’re wondering, “Is 685 a good credit score?” you’ve come to the right place. This article will dive deep into what a 685 credit score means, how it affects your financial options, and what you can do to leverage or improve it.

Skale Money Key Takeaways:

  • A 685 credit score is considered “good” by most lenders
  • This score opens doors to many financial products, but not always at the best rates
  • You can likely qualify for credit cards, auto loans, and mortgages with a 685 score
  • Improving your score further can lead to better terms and more options

What Does a 685 Credit Score Mean?

A 685 credit score falls within the “good” range on the FICO score scale. This means you’re above average in terms of creditworthiness, but there’s still room for improvement.

  • 300-579: Poor
  • 580-669: Fair
  • 670-739: Good
  • 740-799: Very Good
  • 800-850: Excellent

Table: 685 Credit Score Comparison

Score RangeRatingWhere 685 Stands
300-579PoorWell above
670-739GoodWithin range
740-799Very GoodBelow
800-850ExcellentWell below

Tips for understanding your credit score:

  • Regularly check your credit report for accuracy
  • Understand that different scoring models may yield slightly different results
  • Remember that a 685 score indicates responsible credit use, but there’s potential for improvement

Factors That Influence Your 685 Credit Score

Your 685 credit score is determined by several key factors, each carrying different weight in the calculation.

  • Payment history (35%)
  • Credit utilization (30%)
  • Length of credit history (15%)
  • Credit mix (10%)
  • New credit inquiries (10%)

Table: Impact of Factors on Your 685 Credit Score

FactorPercentage ImpactLikely Influence on 685 Score
Payment History35%Generally positive
Credit Utilization30%Moderate to good
Length of Credit History15%Moderately established
Credit Mix10%Decent variety
New Credit Inquiries10%Few recent inquiries

Tips for maintaining or improving your score:

  • Always make payments on time
  • Keep credit utilization below 30%
  • Avoid opening too many new accounts at once

What Can You Get with a 685 Credit Score?

With a 685 credit score, you’re in a good position to qualify for various financial products, though you may not always get the best rates.

  • Credit cards (including some rewards cards)
  • Auto loans
  • Mortgages (conventional and FHA)
  • Personal loans

Table: Approval Odds with a 685 Credit Score

Financial ProductApproval Likelihood
Basic Credit CardHigh
Rewards Credit CardModerate to High
Auto LoanHigh
MortgageModerate to High
Personal LoanModerate to High

Tips for leveraging your 685 credit score:

  • Shop around to compare offers from different lenders
  • Consider improving your score before applying for major loans
  • Don’t be afraid to negotiate terms based on your good credit standing

Can I Get a Credit Card with a 685 Credit Score?

Yes, a 685 credit score should qualify you for a variety of credit cards, including some with rewards programs.

  • Cashback cards
  • Travel rewards cards
  • Low-interest cards
  • Balance transfer cards

Table: Credit Card Options for 685 Credit Score

Card TypeLikelihood of ApprovalPotential APR Range
CashbackModerate to High17-26%
Travel RewardsModerate18-27%
Low InterestModerate13-22%

Tips for choosing and applying for credit cards:

  • Compare annual fees, APRs, and rewards structures
  • Look for pre-qualification options to avoid hard inquiries
  • Consider your spending habits when choosing a rewards card

Can I Get an Auto Loan with a 685 Credit Score?

A 685 credit score should allow you to qualify for most auto loans, though you may not get the absolute best rates.

  • New car loans
  • Used car loans
  • Dealer financing
  • Credit union auto loans

Table: Average Auto Loan Rates for 685 Credit Score

Loan TypeAverage APRTypical Loan Term
New Car5-7%60-72 months
Used Car6-8%48-60 months

Tips for getting the best auto loan deal:

  • Get pre-approved before visiting the dealership
  • Compare offers from multiple lenders
  • Consider making a larger down payment to secure better terms

Can I Get a Mortgage with a 685 Credit Score?

With a 685 credit score, you should be able to qualify for most mortgage types, including conventional and FHA loans.

  • Conventional mortgages
  • FHA loans
  • VA loans (if you’re eligible)
  • USDA loans (for rural properties)

Table: Mortgage Options for 685 Credit Score

Mortgage TypeMinimum ScoreTypical Down Payment
VANo minimum0%

Tips for improving mortgage approval odds:

  • Save for a larger down payment
  • Reduce existing debt to improve your debt-to-income ratio
  • Consider an FHA loan if you’re a first-time homebuyer

Can I Get a Personal Loan with a 685 Credit Score?

A 685 credit score should allow you to qualify for personal loans from various lenders.

  • Bank personal loans
  • Credit union personal loans
  • Online lender personal loans
  • Peer-to-peer lending platforms

Table: Personal Loan Offers for 685 Credit Score

Lender TypeTypical APR RangeUsual Loan Amounts
Credit Unions7-13%$1,000-$30,000
Online Lenders6-36%$1,000-$100,000

Tips for securing a favorable personal loan:

  • Compare APRs and terms from multiple lenders
  • Check for any origination fees or prepayment penalties
  • Consider a secured loan for potentially lower rates

How to Improve Your 685 Credit Score

While a 685 credit score is good, improving it can lead to better financial opportunities. Your next target should be a credit score above 685 such like the 759 credit score.

  • Pay all bills on time
  • Reduce credit utilization
  • Avoid applying for new credit frequently
  • Keep old accounts open to maintain credit history length

Table: Timeline for Potential Score Improvements

ActionPotential ImpactEstimated Time Frame
Pay down credit card balances+20-30 points1-3 months
Resolve any collections+50-100 points3-6 months
Maintain perfect payment history+20-50 points6-12 months

Tips for long-term credit management:

  • Set up automatic payments to avoid late fees
  • Regularly review your credit report for errors
  • Be patient – significant improvements take time


A 685 credit score is indeed a good credit score, placing you in a favorable position with most lenders. While it opens doors to various financial products, there’s still room for improvement. By understanding what influences your score and following the tips provided, you can work towards an even better credit score, potentially unlocking more favorable terms and financial opportunities in the future.


Is 685 considered a good credit score? 

Yes, a 685 credit score is considered “good” and is above average.

How long does it take to improve a 685 credit score? 

Significant improvements can take 3-12 months, depending on your actions and current credit profile.

What’s the difference between a 685 FICO score and a 685 VantageScore? 

While both are considered good, they may be interpreted slightly differently by lenders due to variations in scoring models.

Can I get a rewards credit card with a 685 credit score? 

Yes, you should qualify for some rewards credit cards with a 685 score.

How does a 685 credit score affect my insurance rates? 

A 685 score may help you qualify for better than average insurance rates, but the best rates typically go to those with very good or excellent scores.