Though 697 is not a very good score, it is not a bad score as well. Having a credit score 750 and above will get you credits at favourable terms. With your score, you can definitely get a loan or credit card, but you may not have the negotiating power to get the better terms. 

However, now there are lenders who provide credit to individuals based on social media profiles and income. You can also try those alternative channels to get the credit to fulfil your immediate needs.