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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

Will I automatically get good interest rates if I have a good credit score?

Answer:

A good credit score is only one factor lenders look at when deciding to lend you money. 

Just because you have a good credit score does not mean the lender will give you the lowest cost loan available.

Other things lenders consider are your credit report, debt, assets, income and savings. Also, rates vary among lenders. You should always shop around to make sure you’re getting the best deal possible, no matter what your credit score.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.