Credit scores are a number roughly between 300 and 800. A number higher than 660 will almost guarantee a consumer a loan. Anything between 620 and 660 is not bad either, but a consumer may need to convince the lender that a loan to them would be worth it. If a credit score is below 620, receiving a loan may be difficult.
Of course, exceptions are sometimes made if the credit report has incorrect, incomplete, or not enough information on it. An unusual event, such as a job loss or extended sickness, may excuse borrowers as well, depending on the lender.