How to Get a Home Equity Loan with Poor Credit

August 13, 2025

 At  Bonelli Financial Group  , we know life does not always go as planned. Credit challenges can happen for many reasons, and they should not keep you from using the equity in your home to reach your financial goals. If you are wondering  how to get a home equity loan with poor credit  , the good news is that it can be done. Our team specializes in helping borrowers who have been told "no" elsewhere.

 A home equity loan lets you borrow against the value you have built up in your home. Many people ask,  do home equity loans require good credit?  Not always. While a strong credit history can get you better rates, there are  bad credit home equity lenders  like us who work with clients who have less-than-perfect scores.   


When you work with Bonelli Financial Group , we focus on the whole picture, not just a number. That means even if you are looking for a home equity loan with poor credit  or a  home equity loan with low credit score , we can often find a solution.

Can You Get a Home Equity Loan with Poor Credit?

Yes, you can. Getting a home equity loan with poor credit depends on several factors, including: 
  • The amount of equity you have in your home
  • Your income stability
  • Your debt-to-income ratio
  • Your willingness to explore creative loan options

Some lenders offer home equity loan with no credit check or equity loan no credit check programs. These can be helpful, but they sometimes have higher rates. We can help you review the pros and cons before you decide.

What Credit Score Do You Need for a Home Equity Loan?

Many lenders prefer a home equity loan credit score 580 or higher, but at Bonelli Financial Group we work with borrowers below that range as well. If you are asking, can you get equity loan with bad credit , the answer is yes, especially if you have solid home equity and we can show a strong repayment plan.

How to Get a Home Equity Loan with Bad Credit

Here is how we guide our clients through the process: 
  1. Review Your Equity – Most programs want at least 15 to 20 percent equity in the home.
  2. Understand Your Credit – Even with a home equity loan with poor credit score , knowing your number helps us choose the right lender.
  3. Find the Right Fit – We work with bad credit home equity lenders who understand unique situations.
  4. Show Income Stability – Even if you have low income , steady earnings can improve approval odds. We help you prepare the right documentation.
  5. Consider All Options – Sometimes a guaranteed home equity loan with bad credit is available, but we always check for the most affordable solution first.

Guaranteed Home Equity Loan with Bad Credit – Is It Real?

There are lenders who advertise guaranteed home equity loan with bad credit no credit check . While they can be an option, they often come with higher costs. At Bonelli Financial Group , we review every possible program so you get clear and honest advice about what works for your budget.

If you are ready to explore your options for a  home equity loan with poor credit  , contact Bonelli Financial Group today. Start your application in minutes by applying now or contact us to find out how much you could qualify for. We are here to help you use your home’s value to achieve your goals, even if your credit history is not perfect.

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