Best HELOC Lenders
Compare HELOC lenders with fast funding, online prequalification forms, excellent customer reviews, and unique features to support your financial goals.
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A credit score of 700 or higher, may be eligible for more favorable terms.
Great Overall HELOC
- $11+ billion in equity unlocked
- Funding in as little as 5 days
- Borrow $15,000 to $700,000
- Flexible fixed-rate terms
- Excellent (3,200+ Trustpilot customers)
- $11+ billion in equity unlocked
- Funding in as little as 5 days
- Borrow $15,000 to $700,000
- Flexible fixed-rate terms
- Excellent (3,200+ Trustpilot customers)
Great Customer Reviews
- Lowest rate guarantee
- Apply 100% online
- Funding in as few as 3 days after signing
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
- Excellent (4,900+ Trustpilot customers)
- Lowest rate guarantee
- Apply 100% online
- Funding in as few as 3 days after signing
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
- Excellent (4,900+ Trustpilot customers)
Great for Comparison Shopping
- Compare multiple HELOC offers in minutes
- No impact on credit to view rates
- Flexible terms from top lenders
- Fast, online application process
- Borrow up to 85% of your home’s value
- Excellent (14,900+ Trustpilot customers)
- Compare multiple HELOC offers in minutes
- No impact on credit to view rates
- Flexible terms from top lenders
- Fast, online application process
- Borrow up to 85% of your home’s value
- Excellent (14,900+ Trustpilot customers)
No Appraisal Required for Most
- Close in as fast as 5 days1
- Borrow $26,000 to $250,0002
- Apply 100% online
- No annual fee, prepayment penalty, or fees to redraw3
- No paperwork needed to apply
- Close in as fast as 5 days1
- Borrow $26,000 to $250,0002
- Apply 100% online
- No annual fee, prepayment penalty, or fees to redraw3
- No paperwork needed to apply
Reviews of the best home equity solutions
Figure
Great Overall HELOC
- $11+ billion in equity unlocked
- Funding in as little as 5 days
- Borrow $15,000 to $700,000
- Flexible fixed-rate terms
- Excellent (3,200+ Trustpilot customers)
- $11+ billion in equity unlocked
- Funding in as little as 5 days
- Borrow $15,000 to $700,000
- Flexible fixed-rate terms
- Excellent (3,200+ Trustpilot customers)
Figure Customer Reviews
Figure has excellent ratings from its customers across multiple platforms.
| Trustpilot | 4.8 out of 5 (3,467 reviews) |
| 4.9 out of 5 (969 reviews) |
Aven
Great Customer Reviews
- Lowest rate guarantee
- Apply 100% online
- Funding in as few as 3 days after signing
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
- Excellent (4,900+ Trustpilot customers)
- Lowest rate guarantee
- Apply 100% online
- Funding in as few as 3 days after signing
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
- Excellent (4,900+ Trustpilot customers)
Aven Customer Reviews
Aven has excellent ratings from its customers across multiple platforms. The Better Business Bureau (BBB) has assigned the company an A+ rating for customer interaction.
| Trustpilot | 4.9 out of 5 (5,181reviews) |
| 5 out of 5 (2,230 reviews) |
LendingTree
Great for Comparison Shopping
- Compare multiple HELOC offers in minutes
- No impact on credit to view rates
- Flexible terms from top lenders
- Fast, online application process
- Borrow up to 85% of your home’s value
- Excellent (14,900+ Trustpilot customers)
- Compare multiple HELOC offers in minutes
- No impact on credit to view rates
- Flexible terms from top lenders
- Fast, online application process
- Borrow up to 85% of your home’s value
- Excellent (14,900+ Trustpilot customers)
LendingTree Customer Reviews
LendingTree has excellent ratings from its customers across multiple platforms. The Better Business Bureau (BBB) has given the company an A+ rating for customer interaction.
| Trustpilot | 4.5 out of 5 (15,314 reviews) |
| 4.7 out of 5 (1,962 reviews) |
Upstart
No Appraisal Required for Most
- Close in as fast as 5 days1
- Borrow $26,000 to $250,0002
- Apply 100% online
- No annual fee, prepayment penalty, or fees to redraw3
- No paperwork needed to apply
- Close in as fast as 5 days1
- Borrow $26,000 to $250,0002
- Apply 100% online
- No annual fee, prepayment penalty, or fees to redraw3
- No paperwork needed to apply
Upstart Customer Reviews
Upstart has excellent ratings from its customers across multiple platforms. The Better Business Bureau (BBB) has given the company an A+ rating for customer interaction.
| Trustpilot | 4.9 out of 5 (55,225 reviews) |
| 5 out of 5 (11,821 reviews) |
What Is A HELOC?
A HELOC is a revolving credit line secured by your home’s equity. You can draw money as needed and only pay interest on what you borrow. HELOCs require monthly payments and have credit score and income requirements.
1As of January 2025, 10% of funded HELOCs achieved a closing timeline of 5 days or less and a funding timeline of 11 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days.
2Upstart Mortgage offers HELOCs from $26K-$250K. The exact amount you may borrow depends on what you qualify for based on your application information
3Terms shown here are subject to change without notice. Origination fee to open an account is between 1.00% and 4.99% of the approved credit limit. The Annual Percentage Rate (“APR”) is variable and based on the Prime Rate as published in the Wall Street Journal “Money Rates” table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. Ask us for additional details.