Best HELOC Lenders in Tennessee (June 2026)

HELOCs for Tennessee homeowners

Nashville, Memphis, and Knoxville have multiple lender options with CLTVs to 90%.

A home equity line of credit (HELOC) lets you borrow against the equity in your Tennessee home as a revolving line of credit. You draw what you need, when you need it, and only pay interest on the balance you carry. Lenders in our network serve homeowners throughout Tennessee, from Nashville to surrounding metros and smaller communities.

What Tennessee lenders typically look for

• • At least 15–25% equity in your home (CLTV ≤ 75–85%)
• • Credit score generally 620+ (some programs lower with strong equity)
• • Verifiable income or assets
• • Property in acceptable condition with insurance in force

Common uses

• • Home renovations and additions
• • Debt consolidation at a lower rate
• • Business capital or real estate investment
• • Tuition, medical, or other major expenses
• • Emergency reserve