<h1>Consumer credit scores (300-900) determine loan approval, rates, amounts and speed; aim for 750+, keep utilization under 40%</h1> A press release explains that a consumer credit score ranging 300-900 is a key determinant of personal loan eligibility, influencing approval likelihood, interest rates, loan size and processing speed; scores above 750 are viewed favorably, while scores below 650 may trigger rejection or adverse terms. Lenders assess repayment history, outstanding debt and credit utilisation. The release advises timely payments, keeping utilisation under 40%, reviewing reports for errors and avoiding multiple concurrent applications to improve creditworthiness, and cautions borrowers to confirm EMIs fit their budget before applying.