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
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.
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)
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.