★ CREDIT SCORE GUIDE · WHAT EACH RANGE UNLOCKS

Your score is a key. It opens different doors.

The Canadian 300-900 scale isn't just a label. Each tier unlocks a different lender pool, rate range, and product menu. Move the slider below and watch the doors open (or close) in real time.

300

POOR300-559

FAIR560-659

GOOD660-724

VERY GOOD725-759

EXCELLENT760-900

685

900

★ AT THIS SCORE ★

GOOD · ~32% of Canadians

🏠 MORTGAGE4.99-6.0%A-lender · standard rate

🚗 AUTO LOAN5.99-9.99%Bank financing · prime

💵 PERSONAL LOAN8.99-19.99%Standard rates

💳 CREDIT CARD19.99-21.99%Most rewards cards

★ THE COST OF YOUR SCORE ★

vs Excellent (760+) on a $500k mortgage

EXTRA PER MONTH+$299

EXTRA OVER 25 YEARS+$89,567

That's real money. Every 25-point bump can save you $50-$200/mo on a typical mortgage. See how to move your score up →

★ ALL 5 TIERS · SIDE BY SIDE ★

The whole ladder

POOR300-559

~22% of Canadians

Mort.10.0-15.0%
Auto12.0-29.9%
Pers.29.9-46.9%
Cards19.99%+

FAIR560-659

~16% of Canadians

Mort.7.0-9.5%
Auto8.0-15.0%
Pers.14.99-29.99%
Cards19.99-22.99%

GOOD660-724

~32% of Canadians

Mort.4.99-6.0%
Auto5.99-9.99%
Pers.8.99-19.99%
Cards19.99-21.99%

VERY GOOD725-759

~15% of Canadians

Mort.4.49-5.5%
Auto4.99-7.99%
Pers.6.99-14.99%
Cards19.99-20.99%

EXCELLENT760-900

~15% of Canadians

Mort.4.29-5.0%
Auto0-5.99%
Pers.5.99-12.99%
Cards19.99%

GOOD · ~32% of Canadians

vs Excellent (760+) on a $500k mortgage

The whole ladder

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