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A 720–759 credit score gives you strong HELOC match estimate and competitive rates. See which lenders are best for your score range.
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 720–759 Credit Score
4 lenders accept a 720–759 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 Very Good Credit — Based on WiseIQ\'s Methodology
Variable APR
8.25%–18.00%
Credit Line
$15K–$500K
Min. Credit Score
620
Accepts 720–759 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 720–759 Borrowers
At 720+, pre-qualify with at least two lenders before committing. Figure and Upstart both offer soft-pull pre-qualification that won't affect your credit score. Compare the actual offered rates, not just the advertised minimums.
See your personalized HELOC match
Answer 2 quick questions and see which HELOC you may be eligible for — no credit pull required.
A 720–759 credit score is very good — you have strong match estimate with all major HELOC lenders and will receive competitive rates. You may not receive the absolute lowest advertised rates, but the difference is typically small and negotiable.
Top Lenders for 720–759 Credit Score
Figure (7.85%+)
Upstart (8.25%+)
Spring EQ (8.50%+)
Bethpage FCU (670+ required — you qualify)
Frequently Asked Questions
Can I get a HELOC with a 720–759 credit score?
Yes — 4 of our top-rated HELOC lenders accept a 720–759 credit score. A 720–759 credit score is very good — you have strong match estimate with all major HELOC lenders and will receive competitive rates. You may not receive the absolute lowest advertised rates, but the difference is typically small and negotiable.
What HELOC rate can I expect with a 720–759 score?
With a 720–759 credit score, you can typically expect HELOC rates in the 8.00%–12.00% 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.