{"id":1515,"date":"2022-06-08T15:24:25","date_gmt":"2022-06-08T15:24:25","guid":{"rendered":"http:\/\/www..dovly.com\/post\/how-much-can-i-borrow-with-a-750-credit-score\/"},"modified":"2023-12-26T18:39:38","modified_gmt":"2023-12-26T18:39:38","slug":"how-much-can-i-borrow-with-a-750-credit-score","status":"publish","type":"post","link":"https:\/\/www.dovly.com\/post\/how-much-can-i-borrow-with-a-750-credit-score\/","title":{"rendered":"How Much Can I Borrow with a 750 Credit Score?"},"content":{"rendered":"<p>When you have a credit score of 750, your credit is usually considered very good or excellent by creditors. This means you should have no trouble getting approved for <a href=\"https:\/\/dovly.com\/marketplace#creditcard-partners\">credit cards<\/a> with rewards and incentives, and you\u2019re likely to be approved for car loans and mortgages. A question you may have is \u201cHow much can I borrow with a 750 credit score?\u201d<\/p>\n<p><strong>How Do Creditors Determine Loan Amounts?<\/strong><\/p>\n<p>Your credit score is like a report card that lets potential lenders know how well you have handled borrowed money and how much risk they might expect if they loan you money. A 750 credit score is very good, but your credit score isn\u2019t the only factor potential lenders look at. Other factors they\u2019ll consider in determining your loan amount include:<\/p>\n<ul>\n<li><strong>Employment history<\/strong> \u2013 Looking at your employment history gives creditors an idea of whether you\u2019ve demonstrated responsibility and stability.<\/li>\n<li><strong>Gross monthly income <\/strong>\u2013 This is your income before taxes and other deductions are taken out. You may need to submit pay statements and bank statements to document your gross monthly income.<\/li>\n<li><strong>Monthly expenses <\/strong>\u2013 Lenders may consider what other monthly expenses you have, such as property taxes, insurance, utilities, and credit card payments.<\/li>\n<li><strong>Debt-to-income ratio<\/strong> \u2013 To lenders, the ratio of how much debt you have to your income is a good indication of how much you can afford to borrow. If you\u2019re applying for a mortgage, lenders expect that you\u2019ll spend less than 28% of your gross monthly income on your mortgage payment, and they\u2019ll typically look for a debt-to-income ratio of 36% or less.<\/li>\n<li><strong>Down payment <\/strong>\u2013 If you\u2019re trying to borrow money for a new car or for a mortgage, the amount of money you have saved for a down payment affects the amount of money you need to borrow. If you\u2019re trying to buy a house, saving a down payment of 20% can have a positive impact on an application for credit.<\/li>\n<\/ul>\n<p>It\u2019s a good idea to do your own evaluation of your budget to see how much of a new payment you can comfortably afford. There are times when creditors are willing to approve loans for borrowers that may stretch the budget very thin. If you take on debt that you can\u2019t comfortably afford, you may do damage to your credit that will follow you around for years.<\/p>\n<p><strong>Getting Ready to Apply for Credit<\/strong><\/p>\n<p>Before you apply for any type of credit, <a href=\"https:\/\/dovly.com\/post\/what-items-should-i-regularly-review-on-my-credit-report\">review your credit reports<\/a> to make sure everything on them is accurate and that you aren\u2019t faced with any surprises in the middle of a credit application. Credit report errors are surprisingly common, and if the wrong information is on your credit reports, it can have a negative impact on your credit score. If your credit score is lower than it should be, it can affect your interest rate and monthly payment on any type of loan.<\/p>\n<p>Dovly is an <a href=\"https:\/\/dovly.com\/\">AI credit engine<\/a> that can help you dispute any errors you find on your credit report. Try it risk-free with our free membership tier. Get in touch with Dovly today.<\/p>\n<p>\u200d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you have a credit score of 750, your credit is usually considered very good or excellent by creditors. This means you should have no trouble getting approved for credit cards with rewards and incentives, and you\u2019re likely to be approved for car loans and mortgages. A question you may have is \u201cHow much can [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":1516,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[23],"tags":[32,18,24,28],"acf":{"education":"","previous_experience":"","caption_field":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Can I Borrow with a 750 Credit Score?<\/title>\n<meta name=\"description\" content=\"How Much Can I Borrow with a 750 Credit Score?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dovly.com\/post\/how-much-can-i-borrow-with-a-750-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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