Who Has a 625 Credit Score?

While a 625 credit score can be found across any demographic, data shows that average credit scores tend to increase steadily with age. Here is a look at the average credit scores by generation, based on Experian data from the third quarter of 2023:

• 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 625 Credit Score

A credit score of 625 places you in the "fair" credit range, which can be a mixed bag when applying for a new credit card. While you'll likely find lenders willing to approve your application, you may not qualify for premium cards with the best rewards or lowest interest rates. Issuers often reserve their most attractive offers for applicants with good to excellent credit, meaning a 625 score could result in higher APRs and lower credit limits.

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Kudos offers tools like the Explore Tool, which uses a quiz to understand your financial needs and preferences to recommend suitable cards from its database of nearly 3,000 options. For a more personalized approach, the Dream Wallet feature analyzes your actual spending habits and provides insights on how a new card might impact your credit score.

Auto Loans and a 625 Credit Score

A credit score of 625 places you in the non-prime borrower category, which generally means you can still qualify for an auto loan. However, you should expect to face higher interest rates compared to borrowers with better credit.

According to Experian’s Q2 2025 data, here is a breakdown of average auto loan rates by credit score:

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

Mortgages at a 625 Credit Score

A 625 credit score is generally sufficient to qualify for most major home loans. According to mortgage loan requirements, this score meets the typical minimums for conventional loans as well as government-backed programs like FHA, VA, and USDA loans. This opens up a variety of financing paths, including options with low or even zero down payments.

However, while you can qualify, your score will impact your loan terms. You will likely face higher interest rates and more expensive private mortgage insurance (PMI) than applicants with stronger credit. Lenders may also apply stricter underwriting standards, examining your overall financial health more closely before approval.

What's in a Credit Score?

Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but it generally boils down to a handful of key elements. The most common factors include:

• Your history of making payments on time is the most significant factor.
• How much of your available credit you're currently using, known as your credit utilization ratio, plays a major role.
• The age of your credit accounts, including the average age and the age of your oldest account, is also considered.
• Lenders like to see that you can responsibly manage different types of credit, such as credit cards and loans.
• Opening several new credit accounts in a short period can be seen as a risk and may temporarily lower your score.

How to Improve Your 625 Credit Score

Your credit score plays a crucial role in your financial life, but it isn't set in stone; there are many proven methods to improve your creditworthiness. With consistent positive behavior, most people can see meaningful changes to their score in just three to six months.

• Establish automatic bill payments. Payment history is the most significant factor in your credit score, so setting up automatic payments ensures you never miss a due date. This consistency builds a positive track record that will help lift your 625 score over time.
• Reduce your credit utilization ratio. This ratio is the second most important factor, and you should aim to keep it below 30%. Paying down balances or increasing your credit limits shows lenders you can manage debt responsibly, which directly improves this key scoring component.
• Monitor your credit reports regularly. Errors and inaccuracies can unfairly drag down your score, so it's important to check your free reports for mistakes. Disputing and removing incorrect negative items is one of the quickest ways to see a potential score increase.
• Become an authorized user. Being added to a trusted person's credit card account can add their positive payment history and low utilization to your credit report. This can help someone with a 625 score by "piggybacking" on a longer and more established credit history.

As you work on these habits, Kudos can help you use your credit cards more effectively to maximize rewards.