Who Has a 337 Credit Score?

While a 337 credit score is significantly below the national average, it's helpful to see how scores typically break down by age. Data shows that credit scores generally improve as people get older, mainly because they have had more time to build a positive financial history. According to 2023 FICO score data, the average for each generation is as follows:

• Generation Z (ages 18-26): 680
• Millennials (ages 27-42): 690
• Generation X (ages 43-58): 709
• Baby Boomers (ages 59-77): 745
• Silent Generation (ages 78+): 760

Credit Cards With a 337 Credit Score

A credit score of 337 falls into the "very poor" range, which can significantly hinder your ability to get approved for a credit card. Lenders generally view scores this low as a major red flag, indicating a high risk of default on payments. Consequently, your options will likely be limited to secured credit cards that require a cash deposit or high-fee unsecured cards designed for rebuilding credit.

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Kudos offers tools like Dream Wallet that can help you find a suitable card by analyzing your spending habits and financial goals to provide personalized recommendations. The platform also provides insights into how applying for a new card could impact your credit, empowering you to make an informed decision for your financial situation.

Auto Loans and a 337 Credit Score

A 337 credit score places you in the deep subprime category, which can make securing an auto loan challenging. According to a 2025 loan analysis, borrowers with scores this low face the highest interest rates and more difficult approval odds.

• Super-prime (781-850): 5.25% for new cars and 7.13% for used cars
• Prime (661-780): 6.87% for new cars and 9.36% for used cars
• Non-prime (601-660): 9.83% for new cars and 13.92% for used cars
• Subprime (501-600): 13.18% for new cars and 18.86% for used cars
• Deep subprime (300-500): 15.77% for new cars and 21.55% for used cars

Mortgages at a 337 Credit Score

With a 337 credit score, qualifying for a traditional mortgage is unfortunately not feasible. Mainstream loan programs have much higher minimums; FHA loans require at least a 500 score, while conventional loans typically start at 620. According to mortgage requirement data, very few lenders approve mortgages for applicants with scores below 600, making a 337 score well outside the range for consideration.

Even if you found a niche, subprime lender, a score this low would result in extremely unfavorable terms. You would face significantly higher interest rates, steep fees, and a mandatory large down payment. Lenders would also impose stricter underwriting standards and likely cap the amount you could borrow, reflecting the high risk associated with the loan.

What's in a Credit Score?

Understanding your credit score can feel like trying to solve a complex puzzle, as it's a blend of several key financial habits. The most common factors that determine your score include:

• Your payment history tracks whether you have paid past credit accounts on time.
• Credit utilization is the percentage of your available credit that you are currently using.
• The length of your credit history considers the age of your oldest account and the average age of all your accounts.
• Credit mix refers to the variety of credit products you have, such as credit cards, retail accounts, and loans.
• New credit inquiries and recently opened accounts can also temporarily impact your score.

How to Improve Your 337 Credit Score

While a 337 credit score is in the very poor range, it is absolutely possible to improve it with consistent effort. Most people can see meaningful changes to their score within three to six months of adopting positive financial habits.

• Check your credit reports. A low score can be dragged down by errors or fraudulent activity, so obtaining your free reports and disputing any inaccuracies is a critical first step. Removing incorrect negative items can provide a direct and immediate boost to your score.
• Make 100% of your payments on time. Your payment history is the most significant factor in your credit score, so building a flawless record of on-time payments is essential for recovery. Consider setting up automatic payments to ensure you never miss a due date and start adding positive information to your file.
• Apply for a secured credit card. For those with damaged credit, a secured card is an excellent tool for rebuilding since it requires a security deposit and is easier to get approved for. These cards report your payment activity to the major credit bureaus, allowing you to establish the positive history needed to raise your score.
• Lower your credit utilization. This ratio measures how much of your available credit you're using, and a high ratio hurts your score. Paying down balances to get below the recommended 30% threshold shows lenders you can manage debt responsibly and can significantly improve a very poor score.

To help manage your cards and maximize rewards as you build your credit, the free AI-powered browser extension from Kudos can provide personalized recommendations.