Super-prime loans target borrowers with the highest credit scores, typically qualifying for the best rates and terms. On the standard FICO scale (300-850), this means scores of 781-850 per Experian classifications, though some lenders set the threshold at 720+.

Score Ranges by Profile

Lenders categorize risk using these common FICO ranges:

  • Super-prime: 781-850 (or 720-850 by some models) – Lowest rates, highest approval odds.

  • Prime: 661-780 – Strong terms, slightly higher than super-prime.

  • Near-prime: 620-660 – Viable but with premiums.​

  • Subprime: Below 620 – Higher costs, stricter underwriting.​

Prime Bank references from prior context align: super-prime (720+) unlocks optimal personal/home loan rates like 11-13% p.a. in Kenya/Bangladesh markets.​

Benefits Unlocked

Super-prime scores secure rates 2-5% below average (e.g., auto loans under 5%, cards at 12%), larger limits, and fee waivers. Lenders view you as minimal risk due to long histories, low utilization (<10%), and no negatives.

Improving to Super-Prime

Pay on time (35% of score), keep utilization low, retain old accounts, and limit inquiries. Gains take 3-12 months; check free via CIBIL (Bangladesh/Kenya equivalents) or TransUnion

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