Credit score requirements depend on the type of loan you're looking for.

In-School Student Loan

There is no credit score requirement in order to prequalify for an in-school loan on Sparrow. With that said, a high credit score will increase your chances of prequalifying at lower rates.

Student Loan Refinance

You generally need a credit score at least in the high 600s to qualify for student loan refinancing. If your credit score is below 650, it can be tough to refinance student loans and you should consider adding a cosigner.

Regardless of the type of loan you're looking for, the higher your score, the more likely you are to be qualified for lower interest rates. If you have a limited or poor credit history, adding a creditworthy cosigner can improve your chances of prequalifying for a loan.

The fastest way to see if you qualify is to fill out the two-minute Sparrow application. It’s quick, simple, and free! You’ll find out almost instantly whether you prequalify with any of our lending partners. Checking these prequalified rates will not affect your credit score.