380,000+ visitors used LendEDU in the last month
- Accepts partial payments during the term
- No monthly payments
- Get an online cash estimate in just 2 minutes
- Accepts bankruptcy resolved over 5 years ago
- Excellent (1,970+ Trustpilot customers)
- Request a free estimate now
- No monthly payments
- No payments for up to 10 years
- No income requirement
- Excellent (25,300+ Trustpilot customers)
- Access your equity quickly and flexibly
- No monthly payments
- Assigned a dedicated Investment Manager
- Get an online cash estimate in under 2 minutes
- Accepts bankruptcy resolved over 1 year ago
- Excellent (6,400+ Trustpilot customers)
- No monthly payments or interest
- Use the cash however you want
- Easy online process
- Access up to $500,000
- Excellent (100+ Trustpilot customers)
- No payments for up to 30 years
- Funds can be used on anything you need
- No income requirements
- Get an online cash estimate in just 60 seconds
- Accepts bankruptcy resolved over 2 years ago
- Excellent (4,600+ Trustpilot Clients)
Reviews of the best home equity investments
Unlock
- Accepts partial payments during the term
- No monthly payments
- Get an online cash estimate in just 2 minutes
- Accepts bankruptcy resolved over 5 years ago
- Excellent (1,970+ Trustpilot customers)
Unlock Customer Reviews
Unlock 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 (1,977 reviews) |
| BBB | 3.9 out of 5 (64 reviews) |
| 4.8 out of 5 (1,568 reviews) |
JG Wentworth
- Request a free estimate now
- No monthly payments
- No payments for up to 10 years
- No income requirement
- Excellent (25,300+ Trustpilot customers)
JG Wentworth Customer Reviews
JG Wentworth has solid 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 (23,305 reviews) |
| BBB | 3.2 out of 5 (306 reviews) |
| 4.8 out of 5 (22,658 reviews) |
Ratings accurate as of April 2026
Hometap
- Access your equity quickly and flexibly
- No monthly payments
- Assigned a dedicated Investment Manager
- Get an online cash estimate in under 2 minutes
- Accepts bankruptcy resolved over 1 year ago
- Excellent (6,400+ Trustpilot customers)
Hometap Customer Reviews
Hometap has excellent ratings from its customers across multiple platforms. The Better Business Bureau (BBB) has assigned the company a B rating for customer interaction.
| Trustpilot | 4.8 out of 5 (6,446 reviews) |
| BBB | 4.5 out of 5 (113 reviews) |
| 4.9 out of 5 (5,614 reviews) |
Nada
- No monthly payments or interest
- Use the cash however you want
- Easy online process
- Access up to $500,000
- Excellent (100+ Trustpilot customers)
Nada Customer Reviews
Nada 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 (109 reviews) |
| BBB | 0 reviews |
| 4.9 out of 5 (96 reviews) |
Point
- No payments for up to 30 years
- Funds can be used on anything you need
- No income requirements
- Get an online cash estimate in just 60 seconds
- Accepts bankruptcy resolved over 2 years ago
- Excellent (4,600+ Trustpilot Clients)
Point Customer Reviews
Point has solid ratings from its customers across multiple platforms. The Better Business Bureau (BBB) has assigned the company an A+ rating for customer interaction.
| Trustpilot | 4.7 out of 5 (4,693 reviews) |
| BBB | 4.3 out of 5 (118 reviews) |
| 4.7 out of 5 (4,417 reviews) |
Learn how HEIs compare to HELOCs
HEI and HELOC loan eligibility requirements
Here is a quick overview of qualifications to decide which loan is right for you.
If you have bad credit, a HEI may make more sense since it has a lower credit score requirement:
| HEI | HELOC | |
| Minimum credit score | Poor credit accepted | Typically fair credit |
| Income requirements | None | Yes, varies |
| Monthly payments | None | Yes |
| Interest rates | None | Yes |
How does a HEI compare to a HELOC?
While home equity investments offer a unique way to access your home’s equity, traditional home equity financing solutions like home equity lines of credit (HELOCs) are still popular.
Let’s compare these options:
Home equity investment (HEI)
A HEI is an agreement between you and an investment company in which you receive a lump-sum cash payment in exchange for a portion of your equity. It isn’t a form of debt, so there are no monthly payments, and the eligibility requirements are more lenient.
Home equity line of credit (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.
HEI vs. HELOC scenarios
It’s easy to see how HELOCs and home equity investments compare. But which should you choose if you want to tap into your home’s value?
Here are some scenarios and which home equity product makes the most sense.
| If you… | HELOC or HEI? |
| Have a solid credit history | HELOC |
| Have fair or poor credit | HEI |
| Want access to revolving credit line | HELOC |
| Want to avoid tying your payment to your home value | HELOC |
| Want a lump sum repayment vs. monthly payments | HEI |