682 Credit score: What You Need to Know in 2025

Who Has a 682 Credit Score?

• Generation Z (ages 18-26): The average FICO score for this group is 680.
• Millennials (ages 27-42): The average FICO score is 690.
• Generation X (ages 43-58): The average FICO score is 709.
• Baby Boomers (ages 59-77): The average FICO score is 745.
• Silent Generation (ages 78+): The average FICO score is 760.

Credit Cards With a 682 Credit Score

A credit score of 682 places you in the "fair" credit range, which is a decent starting point for getting a new credit card. While you'll likely qualify for a variety of cards, you may not have access to the most premium options with the best perks and lowest interest rates. Lenders might also offer you a lower credit limit or a higher-than-average APR until you've demonstrated a longer history of responsible credit use.

‍

To find the best card for your specific situation, a service like Kudos can cut through the noise with its AI-powered tools. By analyzing your spending habits or having you take a quick quiz, Kudos provides personalized recommendations from a database of nearly 3,000 cards, ensuring you find a great match for your financial goals.

Auto Loans and a 682 Credit Score

With a 682 credit score, you fall into the 'prime' borrower category, which generally means you will be approved for an auto loan. However, your interest rate will likely be higher than the rates offered to applicants with 'super-prime' credit.

According to a 2025 analysis, average auto loan rates break down across the different credit score brackets as follows:

• 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 682 Credit Score

With a 682 credit score, you are in a good position to qualify for several types of home loans. This score generally meets or exceeds the minimums for conventional, FHA, VA, and USDA loans. While you have broad eligibility for most mainstream mortgages, a 682 score is typically not high enough to qualify for a jumbo loan, which often requires a credit score of at least 700.

While you have options, your credit score will impact the loan's terms. You will likely face higher interest rates and private mortgage insurance (PMI) costs than borrowers with scores in the 740+ range. Lenders view a 682 score as fair, meaning you'll be approved but at a slightly higher cost than someone with excellent credit.

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 682 Credit Score

A 682 credit score is a solid starting point, and it's always possible to improve your creditworthiness with consistent effort and the right financial habits. Meaningful changes can often be seen within three to six months of positive behavior.

• Establish automatic bill payments. Payment history is the most significant factor in your credit score, so ensuring every bill is paid on time is the best way to protect and build upon your 682 score. This demonstrates reliability to lenders and is fundamental to pushing your score into a higher tier.
• Reduce your credit utilization ratio. This ratio, which is the amount of credit you're using compared to your total limit, is the second-largest influence on your score. Keeping your utilization below 30% shows you aren't over-reliant on debt and can provide a significant boost.
• Monitor your credit reports regularly. Errors and inaccuracies can appear on your credit report and unfairly drag your score down. By checking your reports, you can dispute any mistakes and potentially see a quick improvement once they are corrected.
• Diversify your credit mix. Lenders prefer to see that you can responsibly manage different types of credit, such as revolving credit from cards and installment loans like a car payment. Carefully adding a new type of credit can strengthen your profile and help elevate your 682 score over the long term.

Using a free tool like the Kudos AI-powered browser extension can help you use your credit cards more strategically as you work on building your credit.