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Conventional loans are those issued by a lending institution to a borrower. Generally speaking, borrowers should have a âbare minimumâ credit score of 620, but ideally you should have a score closer to the 740 range, according to a Bankrate publication. FHA loans are different from conventional loans in that they are backed by the Federal Housing Administration.
Credit Score Requirements. According to Experian, the average credit score needed for a lease is 717, although the exact number varies. If your score is low, you will likely not be approved or will pay high interest rates. However, you may be able to get a lower interest rate if you put more money down upfront.