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Bmo Harris Personal Loan Review! Rates as low as 9.89% APR!There is no minimum credit score for our Credit Builder Loan program. So, if you have no credit history or a low credit score, you may still be eligible. We. Requirements: recommended income $35,/year, min. credit score , min. 5-year credit history. Requirements: Vehicle must be 10 years old. You must meet credit score and debt-to-income ratio requirements. Maximum loan amount of $35, for well-qualified borrowers. Not all applicants will.