Loan Savings Calculator

A Higher FICO® Score Saves You Money

The Loan Savings Calculator shows how FICO® scores impact the interest you pay on a loan. Select your loan type and state, enter the appropriate loan details and choose your current FICO® score range. You can see that working to get your score in the higher ranges can mean a big savings!

Loan Savings Calculator Interest Rates as of 5/20/2022

A 30-year loan in which the interest rate does not change during the entire term of the loan.
FICO Score APR Monthly Payment Total Interest Paid
 760-850  4.754 %
 700-759  4.976 %
 680-699  5.153 %
 660-679  5.367 %
 640-659  5.797 %
 620-639  6.343 %

The rates shown are averages based on thousands of financial lenders, conducted daily by Informa Research Services, Inc. The 30-year fixed home mortgage APRs are estimated based on the following assumptions. FICO scores between 620 and 850 (500 and 619) assume a Loan Amount of $150,000, 1.0 (0.0) Points, a Single Family - Owner Occupied Property Type and an 80% (60-80%) Loan-to-Value Ratio.

APR Source: Informa FBX, LLC. Data is obtained from public sources; accuracy and completeness is not guaranteed. FBX is not liable for reliance on the data.

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