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A 620 credit score is the minimum threshold for most HELOC lenders. See which lenders accept 620 scores and what to expect.
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Best HELOC Lenders for 620–639 Credit Score
1 lender accepts a 620–639 credit score. Ranked by value for this credit tier.
How we rank: Products are ranked by credit score fit, rates, fees, and features — not by commission size. See full methodology →
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Upstart HELOC
Upstart Mortgage
Top Pick for Minimum Threshold Credit — Based on WiseIQ\'s Methodology
Variable APR
8.25%–18.00%
Credit Line
$15K–$500K
Min. Credit Score
620
Accepts 620–639 credit scores
AI underwriting — looks beyond credit score
No origination fee
Fast online application
💡 WiseIQ Tip for 620–639 Borrowers
At 620, Upstart is essentially your only mainstream HELOC option. Before applying, ensure your debt-to-income ratio is below 45% and your home equity is at least 20% (80% CLTV or less). Upstart's AI looks heavily at income stability and employment history, so a strong employment record helps significantly.
See your personalized HELOC match
Answer 2 quick questions and see which HELOC you may be eligible for — no credit pull required.
A 620 credit score is the minimum threshold for HELOC approval at most lenders. Upstart is the primary option at this score range, using AI-based underwriting that considers your full financial picture beyond just your credit score. If you have substantial home equity and stable income, approval is possible.
Top Lenders for 620–639 Credit Score
Upstart (620 minimum — primary option at this range)
Frequently Asked Questions
Can I get a HELOC with a 620–639 credit score?
Yes — 1 of our top-rated HELOC lenders accept a 620–639 credit score. A 620 credit score is the minimum threshold for HELOC approval at most lenders. Upstart is the primary option at this score range, using AI-based underwriting that considers your full financial picture beyond just your credit score. If you have substantial home equity and stable income, approval is possible.
What HELOC rate can I expect with a 620–639 score?
With a 620–639 credit score, you can typically expect HELOC rates in the 12.00%–18.00% range, depending on your lender, loan-to-value ratio, and debt-to-income ratio. The exact rate you're offered will depend on your complete financial profile.
Does checking HELOC rates hurt my credit score?
Pre-qualifying to see your rate uses a soft credit pull, which does not affect your credit score. A hard pull only occurs when you formally submit a full application. Always pre-qualify first to compare rates before committing to a full application.
Editorial Disclosure: WiseIQ's editorial team independently researches and recommends financial products. Rates and terms are subject to change — verify current information on the lender's website before applying.