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 760–799 credit score qualifies you for excellent HELOC rates from all major lenders. Compare your best options and see what you may be eligible for.
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 760–799 Credit Score
4 lenders accept a 760–799 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 Excellent Credit — Based on WiseIQ\'s Methodology
Variable APR
8.25%–18.00%
Credit Line
$15K–$500K
Min. Credit Score
620
Accepts 760–799 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 760–799 Borrowers
At 760+, you may be eligible for all four of our top-rated lenders. Focus on comparing CLTV limits and funding speed rather than rate alone — Figure funds in 5 days, which matters if you have a time-sensitive project.
See your personalized HELOC match
Answer 2 quick questions and see which HELOC you may be eligible for — no credit pull required.
A 760–799 credit score is excellent — you may be eligible for virtually every HELOC lender and will receive near-best rates. The difference between your rates and those for 800+ borrowers is typically less than 0.25%, making this a very strong position.
Top Lenders for 760–799 Credit Score
Bethpage FCU (6.99% intro)
Figure (7.85%+)
Upstart (8.25%+)
Spring EQ (8.50%+)
Frequently Asked Questions
Can I get a HELOC with a 760–799 credit score?
Yes — 4 of our top-rated HELOC lenders accept a 760–799 credit score. A 760–799 credit score is excellent — you may be eligible for virtually every HELOC lender and will receive near-best rates. The difference between your rates and those for 800+ borrowers is typically less than 0.25%, making this a very strong position.
What HELOC rate can I expect with a 760–799 score?
With a 760–799 credit score, you can typically expect HELOC rates in the 7.50%–10.50% 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.