What Credit Score Is Needed for a HELOC?
Understanding HELOC Credit Requirements
A HELOC (Home Equity Line of Credit) lets you borrow against your home’s equity with a revolving credit line. Because HELOCs are considered higher‑risk than a standard mortgage loan, lenders require stronger credit.
If you want to review your HELOC or home equity options, you can check your eligibility below.
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Minimum Credit Score for a HELOC
Most lenders require a 680+ credit score for HELOC approval. Some may approve 660+ with strong income and equity.
Why HELOCs Require Higher Credit
HELOCs function like a credit card secured by your home, so lenders want to see strong repayment history and stable credit behavior.
Home Equity and Credit Score Connection
Higher credit scores may qualify for better rates, higher credit limits, and lower fees.
Bottom Line
A 680+ credit score is the most common requirement for HELOC approval, though some lenders allow slightly lower scores with strong compensating factors.
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