If you have a 590 credit score, you’re sitting in the fair-to-poor range. That means you may still qualify for some loans and credit cards, but you’ll face higher interest rates, stricter terms, and fewer options than borrowers with higher scores. The good news? A 590 score isn’t permanent—it can be improved with the right strategy.
What Does a 590 Credit Score Mean?
A 590 credit score places you in the lower part of the “fair” credit category. While it’s not considered good, it’s also not the worst.
- Good credit starts at 670+
- Fair credit typically runs from 580–669
- Below 580 is poor
So, at 590, you’re just above “poor” but not yet strong enough for the best financial products.
Is 590 a Good Credit Score or Is 590 a Bad Credit Score?
- Is 590 a good credit score? No—it’s below the “good” range, which means you’ll pay more to borrow money.
- Is 590 a bad credit score? It’s considered subprime, but not terrible. Many lenders will still work with you.
Think of 590 as a rebuilding score. It’s not good yet, but it shows potential if you start improving your habits now.
What Can You Do With a 590 Credit Score?
Even with a 590 score, you still have options—but they come with trade-offs.
Credit Cards
- Secured cards – require a deposit, easier approval
- Store cards – may approve with a fair score, but higher APRs
- Unsecured cards for 590 credit score – rare, low limits, and expensive fees
Loans
- Personal loans – possible, but high interest rates (20% or more)
- Auto loans – approval more likely, but with higher monthly payments
- Home loans (FHA) – you may qualify with a 3.5% down payment, but stricter requirements
Can I Get a Loan With a 590 Credit Score?
Yes, but expect limits. Lenders will look at more than just your score—they’ll check your income, debt-to-income ratio, and repayment history.
Options:
- Credit unions – more flexible than banks
- Online lenders – some specialize in fair-credit borrowers
- Secured personal loans – backed by savings or collateral
- Co-signer loans – add someone with stronger credit to boost approval
590 Credit Score Credit Cards: What Are Your Options?
Credit cards can help rebuild credit when used wisely.
Types You Can Try:
- Secured credit cards – deposit-based, great for building
- Retail/store cards – easier to qualify for, but use sparingly
- Unsecured credit cards for 590 credit score – harder to get, higher fees
Pro tip: Start with a secured card, pay on time every month, and request upgrades after 6–12 months.
Loan Options at 590: Quick Comparison Table
| Loan Type | Approval Odds | Typical APR Range | Best Strategy |
|---|---|---|---|
| Secured Credit Card | High | Deposit-backed | Build history and upgrade later |
| Unsecured Credit Card | Low | 25%–30%+ | Avoid unless no other option |
| Personal Loan | Medium | 20%–36% | Compare lenders, consider co-signer |
| Auto Loan | Medium-High | 12%–20%+ | Larger down payment helps |
| FHA Home Loan | Low | Competitive, stricter terms | Save and improve score first |
How to Improve a 590 Credit Score
Improving your score takes time and consistency, but it’s possible.
Action Steps:
- Pay bills on time – payment history makes up 35% of your score
- Lower credit utilization – aim for under 30% of your available credit
- Check credit reports – dispute errors and outdated accounts
- Avoid applying for too much credit – too many hard inquiries hurt
- Consider secured credit cards – safest way to rebuild responsibly
Habits That Help Long-Term:
- Keep old accounts open for credit history length
- Mix credit types (installment + revolving)
- Pay more than the minimum whenever possible
- Build an emergency fund to prevent late payments
Key Takeaways
- 590 credit score = fair-to-poor range
- Not good, but not hopeless—you can still get certain loans and cards
- Expect higher rates until your score improves
- Secured credit cards and small loans are the best way to rebuild
- Improvement is possible with consistent, smart habits
Final Thoughts
A 590 credit score doesn’t define you—it’s just a starting point. While borrowing costs are higher right now, every on-time payment and every reduction in debt nudges you closer to the “good” range.
