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With an 800+ credit score, you may be eligible for the absolute best HELOC rates available. See which lenders offer the lowest rates for exceptional 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 800+ Credit Score
4 lenders accept a 800+ 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 Exceptional Credit — Based on WiseIQ\'s Methodology
Variable APR
8.25%–18.00%
Credit Line
$15K–$500K
Min. Credit Score
620
Accepts 800+ 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 800+ Borrowers
With an 800+ score, always ask lenders for a rate match or rate beat. Figure has a published rate-beat guarantee. Bethpage FCU offers the lowest intro rate at 6.99% for 12 months.
See your personalized HELOC match
Answer 2 quick questions and see which HELOC you may be eligible for — no credit pull required.
An 800+ credit score puts you in the top tier of borrowers. Every major HELOC lender will approve you, and you should expect to receive their lowest advertised rates. Your negotiating position is strong — use it.
Top Lenders for 800+ 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 800+ credit score?
Yes — 4 of our top-rated HELOC lenders accept a 800+ credit score. An 800+ credit score puts you in the top tier of borrowers. Every major HELOC lender will approve you, and you should expect to receive their lowest advertised rates. Your negotiating position is strong — use it.
What HELOC rate can I expect with a 800+ score?
With a 800+ credit score, you can typically expect HELOC rates in the 7.25%–9.50% 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.