First the bad news - there is no minimum credit score at which you are guaranteed a loan. But the good news is that you can get a personal loan with a low credit score as well, though at unattractive terms, like a high interest rate. That is why it is always recommended that you have a good credit score. It is advisable to have a credit score of 750 and above to stand a good chance of obtaining a loan of any kind on good terms and conditions.