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CREDIT SCORE
HELOCs
LIVE RATE6.99% APRfor qualified borrowers · No hard credit pull
📋 Reviewed by WiseIQ Editorial Team · Updated April 2026 · Editorially independent
Sources & Methodology
WiseIQ's editorial team researches and fact-checks all content using primary sources. Our recommendations are based on independent analysis and are not influenced by advertiser relationships.
WiseIQ Expert Tip
A 0.5% difference in mortgage rate on a $350,000 loan saves over $35,000 in interest over 30 years. Always get at least 3 quotes before choosing a lender.
Important — Not a Mortgage Broker: WiseIQ is not a mortgage broker and does not originate home equity loans or lines of credit. Clicking through to a lender initiates a direct relationship between you and that lender. WiseIQ does not guarantee approval or specific loan terms. Product availability and terms vary by state. This comparison service may not be available to residents of all states. Always verify current terms directly with the lender before applying.
A 680–719 credit score qualifies you for most HELOC lenders. Compare your options and find the best rate for good credit.
Advertiser Disclosure: WiseIQ earns a referral fee when you apply through links on this page. Rankings are based on value to the borrower, not commission size.
Best HELOC Lenders for 680–719 Credit Score
680
Fair-Good Credit Range
HELOC Options at This Score
What to Expect
You're approaching good credit territory. Most lenders will approve you, and you can start negotiating better terms.
Rate Impact
Rates are 1–4% above prime borrowers.
💡 Top Tip for 680 Credit
Pay down revolving balances to below 20% utilization for the fastest score improvement.
Timeline: 3–9 months to reach the 700+ threshold.
4 lenders accept a 680–719 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 →
UP
Upstart HELOC
Upstart Mortgage
Top Pick for Good Credit — Based on WiseIQ\'s Methodology
Variable APR
8.25%–18.00%
Credit Line
$15K–$500K
Min. Credit Score
620
Accepts 680–719 credit scores
AI underwriting — looks beyond credit score
No origination fee
Fast online application
FI
Figure HELOC
Figure Lending LLC
Fastest Funding
Fixed APR
7.85%–15.54%
Credit Line
$20K–$400K
Min. Credit Score
640
Funding in as few as 5 days
Fixed rate — no payment surprises
100% online application
No prepayment penalty
SE
Spring EQ HELOC
Spring EQ LLC
High LTV
Variable APR
8.50%–16.00%
Credit Line
$50K–$500K
Min. Credit Score
640
Up to 95% CLTV — highest available
Borrow more of your equity
Fast approval process
BP
Bethpage Federal Credit Union
Bethpage FCU
Lowest Rate
Intro Fixed APR
6.99% (12 mo.)
Credit Line
$10K–$1M
Min. Credit Score
670
Lowest intro rate — 6.99% for 12 months
No closing costs
Open to all US residents
💡 WiseIQ Tip for 680–719 Borrowers
At 680–719, Upstart is often the best starting point because their AI underwriting considers factors beyond your credit score — income, employment history, and education — which can result in better rates than traditional lenders would offer.
See your personalized HELOC match
Answer 2 quick questions and see which HELOC you may be eligible for — no credit pull required.
Based on our analysis of thousands of consumer financial profiles, the most common mistake people make is focusing solely on the interest rate without considering total loan cost, fees, and repayment flexibility. Always compare the APR — not just the rate — and read the fine print on prepayment penalties before signing.
What to Know About HELOCs with a 680–719 Score
A 680–719 credit score is good — you may be eligible for most HELOC lenders including all four of our top picks. Rates will be higher than for 740+ borrowers, but a HELOC is still likely your lowest-cost borrowing option compared to personal loans or credit cards.
Top Lenders for 680–719 Credit Score
Upstart (620+ — most flexible)
Figure (640+ — fast funding)
Spring EQ (640+ — high CLTV)
Bethpage FCU (670+ — lowest intro rate)
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WiseIQ Editorial Team
Reviewed by Certified Financial Planners & Industry Experts
Our editorial team consists of financial writers, CFPs, and former banking professionals dedicated to providing accurate, unbiased financial guidance. All content is fact-checked and updated regularly. Learn about our editorial standards →
Frequently Asked Questions
Can I get a HELOC with a 680–719 credit score?
Yes — 4 of our top-rated HELOC lenders accept a 680–719 credit score. A 680–719 credit score is good — you may be eligible for most HELOC lenders including all four of our top picks. Rates will be higher than for 740+ borrowers, but a HELOC is still likely your lowest-cost borrowing option compared to personal loans or credit cards.
What HELOC rate can I expect with a 680–719 score?
With a 680–719 credit score, you can typically expect HELOC rates in the 8.50%–13.50% 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.
People Also Ask
FICO scores are calculated from: payment history (35%), amounts owed/utilization (30%), length of credit history (15%), new credit/inquiries (10%), and credit mix (10%). Payment history and utilization are the two most impactful factors — focus on these first.
Credit scores range from 300–850. A score of 670–739 is considered "good," 740–799 is "very good," and 800+ is "exceptional." Most lenders offer their best rates to borrowers with scores of 720+. Below 580 is considered poor credit.
You can establish a credit score within 3–6 months of opening your first credit account. Building a good score (670+) typically takes 1–2 years of responsible use. Excellent credit (750+) usually takes 3–5 years of consistent positive history.
The fastest ways to improve your score: pay down credit card balances (reduces utilization), dispute any errors on your credit report, become an authorized user on someone's account, and avoid applying for new credit. Significant improvements can happen in 30–90 days.