finance
5 Best HELOC Lenders of 2026: Rates, Terms & Requirements
Compare the top Home Equity Line of Credit lenders for 2026. Find competitive rates, flexible terms, and see which lender fits your financial goals.
A Home Equity Line of Credit (HELOC) can be a powerful financial tool for home improvements, debt consolidation, or major expenses. Here are the top 5 HELOC lenders for 2026.
Top 5 HELOC Lenders at a Glance
| Lender | APR Range | Max LTV | Min Credit Score |
|---|---|---|---|
| Bank of America | 7.24%-12.49% | 85% | 660 |
| Chase | 7.49%-13.24% | 80% | 680 |
| PNC Bank | 7.99%-14.49% | 85% | 620 |
| PenFed Credit Union | 7.74%-17.99% | 85% | 620 |
| U.S. Bank | 6.99%-13.75% | 80% | 660 |
1. Bank of America — Best Overall
- Competitive introductory rates
- $0 closing costs for HELOCs up to $500,000
- Rate discounts for Preferred Rewards members
2. Chase — Best for Customer Service
- 4,700+ branches nationwide
- 24/7 customer support
- Simple online application
How to Choose a HELOC Lender
- Compare APRs: Look at both introductory and ongoing rates
- Check fees: Watch for application, appraisal, and annual fees
- Verify LTV limits: Most lenders cap at 80-85%
- Consider customer service: Read reviews and check branch locations
Rates accurate as of June 2026. Your actual rate depends on credit score, LTV, and market conditions.
Affiliate disclosure: We may earn a commission from lender referrals.