However, larger month-to-month repayments will permit you to payoff your loan sooner and cheaper. The FICO Score 8 operates on a scale of 300 to 850, with 850 being the very best score. The adverse credit loan quantity you can borrow shall be decided by the information you present, however could be wherever as much as $5,000. This isn't a commitment to lend from Discover Private Loans.