Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
699 Credit score: What You Need to Know in 2025
July 1, 2025
TL;DR
A 699 credit score is a solid achievement that puts you in a favorable position for many financial products. This score falls squarely within the "Good" range on the FICO scoring model.
What Does a 699 Credit Score Mean?
A 699 credit score places you squarely in the "good" range according to most scoring models, like FICO. While this score often meets the minimum threshold for many lenders, it can be a double-edged sword. You'll likely qualify for various loans and credit cards, but you may not be offered the most competitive interest rates or the best terms available to those with higher scores.
Think of a 699 score as being on the doorstep of better financial opportunities. It's a solid foundation, but a small improvement could push you into a higher tier, potentially unlocking more favorable lending options and saving you significant money over time. The path forward from here is one of positive potential.
Who Has a 699 Credit Score?
Credit scores tend to improve with age, as people have more time to build a positive payment history. A generational breakdown from 2023 shows the following average FICO scores:
- Ages 18-26 (Generation Z): 680
- Ages 27-42 (Millennials): 690
- Ages 43-58 (Generation X): 709
- Ages 59-77 (Baby Boomers): 745
- Ages 78+ (Silent Generation): 760
Credit Cards With a 699 Credit Score
A credit score of 699 places you firmly in the "good" credit range, opening the door to a variety of credit card options. While you'll likely qualify for many cards, you may find that the most exclusive, premium cards with the best rewards and lowest interest rates remain just out of reach. Lenders may also offer you a more moderate credit limit and a slightly higher APR than they would for applicants with excellent credit.
A service like Kudos can simplify the search by using its AI-powered tools to match you with the right card for your financial situation. Whether through its Dream Wallet, which analyzes your spending, or its Explore Tool, which uses a preference quiz, Kudos helps you find the best options to maximize rewards and build credit responsibly.
Auto Loans and a 699 Credit Score
A 699 credit score places you in the "prime" borrower category, which is generally favorable for securing an auto loan. While you can expect competitive interest rates, they won't be the absolute lowest available, which are reserved for those with super-prime scores.
According to a 2025 market analysis, here are the average auto loan rates across different credit score tiers:
- 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 699 Credit Score
A 699 credit score is strong enough to qualify you for most mainstream mortgage products. You'll generally meet the minimum requirements for conventional, FHA, VA, and USDA loans. While it's a solid score, it falls just below the typical 700+ threshold for most jumbo loans, which are used for larger home purchases.
While you have options, a 699 score means you won't secure the best possible terms. Lenders reserve the lowest interest rates and private mortgage insurance (PMI) premiums for applicants with scores of 740 or higher. Your rates will be competitive but slightly higher than those offered to top-tier borrowers.
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 699 Credit Score
Your credit score plays a crucial role in your financial life, and with consistent effort, it is always possible to improve it. Whether you're aiming for a FICO® Score or VantageScore, there are proven methods to boost your creditworthiness.
- Monitor your credit reports. Regularly checking your free credit reports helps you identify and dispute inaccuracies that could be dragging your score down.
- Reduce your credit utilization ratio. This is the second-largest factor in your score, so keeping your total balance below 30% of your credit limit can provide a significant boost.
- Establish automatic bill payments. Since payment history is the most important part of your score, setting up automatic payments is the easiest way to ensure you never miss a due date.
- Become an authorized user. Being added to a credit card account with a strong payment history and low utilization can quickly add positive data to your own credit file.
Kudos offers a free AI-powered browser extension that can help you maximize credit card rewards while you build your credit.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
