380,000+ visitors used LendEDU in the last month
A credit score of 700 or higher may be eligible for more favorable terms.
- Apply 100% Online with 640+ Credit Score
- $11+ billion in equity unlocked
- Funding in as little as 5 days
- Borrow $15,000 to $700,000
- Flexible fixed-rate terms
- Excellent (3,700+ Trustpilot customers)
- Apply 100% online with 640+ Credit Score
- Lowest rate guarantee
- Funding in as few as 3 days after signing
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
- Excellent (5,400+ Trustpilot customers)
- 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
- Excellent (56,000+ Trustpilot customers)
- No Minimum Upfront Draw
- Apply 100% online with 680+ Credit Score
- Low HELOC interest rates with the flexibility of a credit card
- Up to 3% cash back on your largest spend category
- Credit limits up to $100,000
- New business rated “Excellent” on Trustpilot
- Allows Bankruptcy, foreclosure and late payments
- Borrow $100,000+
- Apply 100% online
- Get a no-obligation quote now
- Check your options without impacting your credit score
- Excellent (2,000+ Trustpilot Customers)
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.
Reviews of the Top HELOC Lenders
Figure
- Apply 100% Online with 640+ Credit Score
- $11+ billion in equity unlocked
- Funding in as little as 5 days
- Borrow $15,000 to $700,000
- Flexible fixed-rate terms
- Excellent (3,700+ Trustpilot customers)
Figure Customer Reviews
Figure has excellent ratings from its customers across multiple platforms.
| Trustpilot | 4.8 out of 5 (3,737 reviews) |
| 4.9 out of 5 (2,010 reviews) |
Aven
- Apply 100% online with 640+ Credit Score
- Lowest rate guarantee
- Funding in as few as 3 days after signing
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
- Excellent (5,400+ 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 | 4.8 out of 5 (5,421 reviews) |
| 5 out of 5 (5,079 reviews) |
Upstart
- 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
- Excellent (56,000+ Trustpilot customers)
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 (56,373 reviews) |
| 5 out of 5 (48,517 reviews) |
Trovy
- No Minimum Upfront Draw
- Apply 100% online with 680+ Credit Score
- Low HELOC interest rates with the flexibility of a credit card
- Up to 3% cash back on your largest spend category
- Credit limits up to $100,000
- New business rated “Excellent” on Trustpilot
Trovy Customer Reviews
Trovy is a new business but has excellent ratings so far online.
| Trustpilot | 4.3 out of 5 (7 reviews) |
New American Funding
- Allows Bankruptcy, foreclosure and late payments
- Borrow $100,000+
- Apply 100% online
- Get a no-obligation quote now
- Check your options without impacting your credit score
- Excellent (2,000+ Trustpilot Customers)
New American Funding Customer Reviews
New American Funding 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 (2,009 reviews) |
| 4.9 out of 5 (2,782 reviews) |
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.