You will need a credit score of at least 580 for a $35,000 personal loan. Most lenders that offer personal loans of $35,000 or more require fair credit or better for approval, along with enough income to afford the monthly payments. You will also have to be at least 18 years old, be a U.S. citizen, permanent resident or visa holder, and have a valid bank account.
Credit Score Required by Lenders That Offer $35,000 Personal Loans
| Lender | Loan Range | Credit Score Required |
| $1,000 - $50,000 | 580 | |
| $1,000 - $50,000 | 580 | |
| $3,000 - $100,000 | 660 | |
| $5,000 - $100,000 | 660 | |
| $2,500 - $40,000 | 660 | |
| $5,000 - $100,000 | 680 | |
| $2,000 - $50,000 | Not disclosed |
Lenders tend to have large loan ranges, and their minimum requirements for approval (credit score, income and other factors) will determine whether you can get at least the lowest loan amount. But the higher your credit score and income are, the greater the amount you're likely to qualify for.
Even if your credit score is 580, you won't necessarily be approved for a $35,000 loan. Your chances of approval do get better the higher your score is above the minimum requirement, though. The best way to see your odds of approval and what rates may be available to you is to add your desired loan amount to WalletHub's free pre-qualification tool. This tool won't hurt your credit score.
This answer was first published on 10/17/21 and it was last updated on 02/06/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
