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565 Credit Score: Is It Good or Bad?

565 Poor
Updated April 10, 2024
Written by Rachel Alulis

A 565 credit score is well below the average credit score of 715, hence a 565 credit score is not good. If your score falls below 580 on the FICO credit scoring model it is considered poor. Poor FICO scores suggest past issues – late or missed payments, high utilization rates, accounts in collections – or a limited credit history.

The good news is that your FICO score is close to the fair category and won’t take too much work to get there. And if you can’t wait, there are lenders willing to work with applicants whose credit scores fall in the 500 range.

In this article, we’ll cover everything about a 565 credit score, what loans and cards you’ll be eligible for, and most importantly, how to improve a 565 credit score.

What credit card can I get with a 565 credit score?

You have a few 565 credit score credit card options. Most cards for your score range will be secured. There are are few unsecured cards designed to help boost your score. Let’s consider your options in more detail.

Unsecured credit cards

Obtaining an unsecured card with such a low score can take time and effort. Many issuers prefer applicants with higher ratings to reduce their risk. You’ll run into a lot of cards where you just don’t meet their minimum score requirements.

However, some companies specialize in providing cards to people with low scores. These cards frequently have higher interest rates and lower limits. Be prepared for tighter approval requirements and greater fees. Despite all that, they are a way to access borrow money when everyone else turns you down.

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Annual Fee N/A
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Regular APR 10%
Credit Score Range 300-579
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Open a secured credit card account

Secured cards may be a realistic choice for people with a 565 credit score. These cards require a refundable security deposit, often equal to the limit, reducing the lender’s risk. Because your deposit is collateral, approval is usually easy, even with a low score.

Once your deposit is made, the secured card functions like an unsecured card, with your payment history regularly reported to all national credit bureaus. Use your secured card responsibly – make timely payments and keep your usage low – an you can boost your rating. Within a few months to a year, you should your score should go up enough that you can qualify for an unsecured card.

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Personal loans with a 565 credit score

You can get a 565 credit score personal loan. Lenders who offer loans to applicants in this score range have more flexible criteria and consider the borrower’s full financial history, income, and employment stability, rather than just their scores. However, prudence is advised. These lenders frequently demand higher interest rates to compensate for the risk. It’s important to conduct thorough research and compare loan offers before you accept one. Be sure to choose a loan that works for your financial situation, you can handle repayment, and the lender is reputable.

Online lenders

Online lenders are a good place to start. Many have a more lenient approval process and accept applicants with poor scores. Among online lenders there are loan marketplaces. These are advantageous because you are connected with multiple lenders through one application. Submit a loan application and you’ll receive offers from direct lenders you match with. Compare offers to find the best loan for you and then apply directly with the online lender.

Credit unions

Credit unions are member owned financial institutions and can be a lot friendlier than big banks. A lot offer installment loans – loans that are repaid in set monthly payments over a set period of time. A loan from a credit union will likely be for a larger loan amount, fewer fees, and a lower interest rate than from a traditional bank. Make sure the credit union reports payments to all three national credit bureaus and the personal loan will also help your score to grow.

Cash advance apps

Cash advance or paycheck advance apps send you a portion of your paycheck before payday. Most have no credit check, no interest, and few to no fees. These perks can make them a cost-effective solution when you need a small amount of cash fast.

What is the minimum credit score for a loan?

The minimum score required for a personal loan varies by lender, but most want a score of 560 to 660 at the very least. Before you apply, check each lender’s specific requirements to make sure you are eligible. There’s no point in applying for a loan you don’t qualify for.

Can you get approved with a 565 credit score?

A 565 credit score is bad. It is one of the poorest scores possible. Most banks and financial institutions prefer applicants with FICO scores above 670. Lenders frequently view scores below 580 as high risk and are reluctant to work with such borrowers.

Even so, some lenders are willing to look past your score and agree to give you financing. Financial institutions willing to approve personal loans for poor FICO scores will put more emphasis on your income and employment history than on your score. Loan options for poor scores include:

  • Payday loans
  • Pawnshop lawns
  • Title loans
  • Payday alternative loans
  • Cash advances
  • Secured loans

The terms you’ll likely receive with any of these loans will be less favorable than those given to borrowers with good scores.

Similarly, many companies offer cards geared towards building up your score. These cards can be expensive but they can also be a good stepping stone. Use them strategically, raise your rating, and move on to better card options.

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What does a 565 credit score get you?

With a 565 credit score, your options may be rather limited. Your rating represents your creditworthiness, and a low FICO score tells lenders you are a high risk borrower.

That said, you can get a loan with a 565 credit score or a credit card. Expect to be offered loans for small amounts with high interest rates, extra fees, and short repayment terms. The cards you’ll be eligible for will most likely be secured. Any unsecured card will also come with a higher than average annual percentage rate (APR), an annual fee, and a small limit.

If you can afford to, wait to borrow money. Take the time to establish a solid credit history and you’ll be able to secure a loan with more favorable terms or a card with fewer fees.

Not everyone can wait. Emergencies come up and you need funds fast. Luckily there are options if you have a poor credit score. We will go over some of those options below.

Learn more personal finance tips!

How to improve your 565 credit score

Improving your 565 credit score is a very good idea. Yes, it is a challenging thing to do, but it is possible and completely worth it in the end. All you have to do is establish better financial habits. That is easier said than done, but will help you immensely in the long run.

The first thing to know is how your FICO score is calculated. That way you know what factors to focus on improving. FICO scores consider the following items:

  • Payment history – 35%
  • Utilization rate – 30%
  • Amount of time you’ve had accounts – 15%
  • Mix of account types – 10%
  • New inquiries – 10%

Now that you know what factors are important, take a look at your credit report. You can get all three reports – one from each bureau Equifax, Experian, and TransUnion – once a year via AnnualCreditReport.com for free.

Check your reports for mistakes and inaccuracies. If you find any errors dispute them with the issuing bureau. Next, note what you’re doing wrong so that you know what to correct in the future so that you can establish a positive track record.

Catch up on past-due payments

If any of your bills are past-due, it’s time to pay them. Even a single debt payment can prove beneficial. If you’re struggling to catch up, talk to your issuer, they may be able to offer a solution. You can also seek guidance from a non-profit credit counseling agency. Their certified counselors can help you budget or set up a debt management plan (DMP) to get you out of debt – possibly for less.

Once you’re up to date, keep it that way. Making timely payments is the best thing you can do. Set up automatic payments or reminders so you never miss a due date.

Keeping your accounts up to date prevents the accumulation of additional late payments, saves you from paying interest, and raises your rating.

Don’t let your credit card balances balloon

A high balance is bad news. You will pay more in interest and it elevates your utilization rate. Your credit utilization rate is your current balance vs. your limit. You want to avoid high utilization rates. The general rule of thumb is to keep your usage below 30%, aiming for even lower utilization is ideal.

Achieving this goal can be hard, but every effort counts. Even if you can’t immediately pay off your entire balance, strive to reduce bit by bit. Make multiple payments throughout the month. Pay more than the minimum payment due. Only pay with your card what you can afford to buy with cash. Little by little, your utilization rate will go down and your score will go up.

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Think carefully before closing old credit card accounts

Closing old credit accounts you rarely use sounds like a good idea but think twice before making a hasty decision. Closing accounts can hurt your score. Older accounts increase the average age of your credit history and give you a larger total limit.

Instead, keep old accounts open and active – unless they have a large annual fee, then it’s better to close them. Consider adding a small recurring charge, like a monthly subscription, to keep the account active and prevent the card issuer from closing it unexpectedly.

Don’t apply for too many new credit cards at the same time

There are tons of credit card options on the market that can be tempting to apply for. A new card can increase your credit mix – if you only have installment loans – and help raise your rating. But it’s a good practice to be strategic and only apply for cards you’re eligible for.

Each application triggers a hard inquiry, which can marginally decrease your score. One hard inquiry isn’t a big deal – your rating will bounce back in a few months to a year. However, multiple inquiries in a short period of time can do damage and make you look desperate to borrow money. Lenders are wary of anyone who seems reliant on borrowing money.

Additionally, opening a new account reduces the average age of your accounts, potentially further diminishing your score. Be careful about opening new accounts just as you need to be careful about closing old ones.

Although inquiries and average account age represent relatively minor factors in determining your score, it’s wise to exercise caution when applying. Wait at least six months between card applications. Personal loans are a different story. When you’re rate shopping for specific types of installment loans, such as mortgages or car loans, the scoring models recognize rate shopping as non-risky behavior. They may disregard some inquiries if they occur within a short timeframe, typically within a couple of weeks.

Bottom line

Remember that your current score is not set in stone. You can progressively raise your rating by establishing responsible financial habits. These habits include making on time payments, keeping your utilization rate low, and maintaining old accounts. Follow these rules and you’ll get a good rating. Of course, it will take time and you’ll need patience and determination, but it’s doable.

If you can’t wait for a higher score, you can access loans and cards now but they will cost you more. Visit MoneyFor to get all the loan and card offers no matter your rating.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.           Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.           Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.
3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.
4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC
6. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
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9. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
10. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.
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12. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.
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14. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
15. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
16. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
17. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
18. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
19. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
20. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
21. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
22. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
23. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
24. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
25. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
26. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
27. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
28. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
29. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
30. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
31. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
32. Tipping or not tipping has no impact on your eligibility for SpotMe®.
33. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
34. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
35. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
36. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
37. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.
38. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
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About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

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