What FICO score is used for personal loans?

Different lenders use different versions of the FICO score. In addition to having different FICO scores based on your credit reports from the three major credit bureaus (Equifax, Experian, TransUnion), there are several different varieties. The FICO score has been updated 10 times throughout its history, and FICO score versions 8 and 9 are both used, plus there are specific versions for purposes like credit card and auto loan applications. So, the short answer is that different lenders use different versions. Online lending marketplaces like Upstart look beyond your credit score to help you find a personal loan that works best with your needs.