How much does your credit score cost you?
Your credit score determines your interest rate on every loan you take. A lower score means higher rates — and tens of thousands of dollars in extra payments over the life of a loan.
Select your scenario
Your credit score costs you
$115,550
in extra interest over 30 years vs. excellent credit
Your monthly payment
$2,203
8.01% APR
With excellent credit
$1,882
6.43% APR
Payment history is 35% of your FICO score. A trade line with consistent on-time payments directly improves the single largest factor in your score — starting at $5/mo.
Rates by score range
Rates are national averages based on published FICO score tier data. Your actual rate depends on lender, loan type, down payment, and other factors. Data sources: MyFICO, Bankrate, Federal Reserve.
Start building credit history for $5/mo
We report your payment to all 3 bureaus every month as an on-time trade line. Payment history is 35% of your FICO score — the single largest factor.
Start My Trade Line — $5/moNo deposit. No debt. No risk. Cancel anytime.