Hard money lenders typically do not have minimum credit score requirements, as they prioritize the value and equity of the property over the borrower’s credit history. While some hard money lenders do check credit, it is not the primary factor in their decision-making process, unlike traditional banks. A higher credit score may help borrowers secure better loan terms, such as lower interest rates or reduced down payments. However, even those with low credit can qualify if they have significant collateral (a valuable property) and a strong investment plan demonstrating their ability to successfully complete the project.