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July 2025 Guide To The

Best Home Equity Solutions in North Carolina

Compare companies offering home equity financing in North Carolina with high funding limits, online prequalification forms, and unique features to support your financial goals.

250,000visitors used LendEDU in the last month

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    Excellent (800 – 850)
    Very Good (740 – 799)
    Good (670 – 739)
    Fair (580 – 669)
    Poor (< 580)

    Best for Partial Payments

    • Accepts partial payments during the term
    • No monthly payments or interest
    • Get an online cash estimate in just 2 minutes
    • Prequalify without affecting your credit score
    • Accepts bankruptcy resolved over 5 years ago
    • Excellent (1,200+ Trustpilot customers)
    4.5
    Free Quote
    500+ FICO Required
    • Accepts partial payments during the term
    • No monthly payments or interest
    • Get an online cash estimate in just 2 minutes
    • Prequalify without affecting your credit score
    • Accepts bankruptcy resolved over 5 years ago
    • Excellent (1,200+ Trustpilot customers)

    Best for Longer Terms

    • 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 (2,600+ Trustpilot Clients)
    4.6
    Free Quote
    500+ FICO Required
    • 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 (2,600+ Trustpilot Clients)

    Minimum Credit of 700 Required

    • 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)
    4.8
    View Rates
    700+ FICO Required
    • 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)

    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
    4.0
    View Rates
    560+ FICO
      • 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

    Unlock (Best for Partial Payments)

    Best for Partial Payments

    • Accepts partial payments during the term
    • No monthly payments or interest
    • Get an online cash estimate in just 2 minutes
    • Prequalify without affecting your credit score
    • Accepts bankruptcy resolved over 5 years ago
    • Excellent (1,200+ Trustpilot customers)
    • Accepts partial payments during the term
    • No monthly payments or interest
    • Get an online cash estimate in just 2 minutes
    • Prequalify without affecting your credit score
    • Accepts bankruptcy resolved over 5 years ago
    • Excellent (1,200+ 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.

    LendEDU4.5 out of 5
    Trustpilot4.7 out of 5 (1,227 reviews)
    Better Business Bureau3.8 out of 5 (66 reviews)
    Google4.8 out of 5 (660 reviews)
    Ratings accurate as of May 2025

    Get your free quote in under 60 seconds

    Point (Best for Longer Terms)

    Best for Longer Terms

    • 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 (2,600+ Trustpilot Clients)
    • 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 (2,600+ 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.

    LendEDU4.6 out of 5
    Trustpilot4.7 out of 5 (2,640 reviews)
    Better Business Bureau3.4 out of 5 (51 reviews)
    Google4.8 out of 5 (977 reviews)
    Ratings accurate as of June 2025

    Get your free quote in under 60 seconds

    Aven (HELOC)

    Minimum Credit of 700 Required

    • 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.

    LendEDU4.8 out of 5
    Trustpilot4.9 out of 5 (4,902 reviews)
    Google5 out of 5 (2,195 reviews)
    Ratings accurate as of June 2025

    Check your rate with a soft credit check

    Upstart (No Appraisal Required for Most)- HELOC

    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 assigned the company a A+ rating for customer interaction.

    LendEDU4.0 out of 5
    Trustpilot4.9 out of 5 (53,502 reviews)
    Better Business Bureau1.2 out of 5 (164 reviews)
    Google5 out of 5 (10,917 reviews)
    Ratings accurate as of June 2025

    Learn more about HESAs and HELOCs

    HESA 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 HESA may make more sense since it has a lower credit score requirement:

    HESAHELOC
    Minimum credit scorePoor credit acceptedTypically fair credit
    Income requirementsNoneYes, varies
    Monthly paymentsNoneYes
    Interest ratesNoneYes
    HESA vs HELOC scenarios

    It’s easy to see how HELOCs and home equity loans 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 HESA?
    Have solid credit historyHELOC
    Have fair or poor creditHESA
    Want access to revolving credit line
    HELOC
    Want to avoid tying your payment to your home valueHELOC
    Want a lump sum repayment vs. monthly paymentsHESA

    Best in North Carolina: Unlock

    Best for Partial Payments

    • Accepts partial payments during the term
    • No monthly payments or interest
    • Get an online cash estimate in just 2 minutes
    • Prequalify without affecting your credit score
    • Accepts bankruptcy resolved over 5 years ago
    • Excellent (1,200+ Trustpilot customers)
    4.5
    Free Quote
    500+ FICO Required
    • Accepts partial payments during the term
    • No monthly payments or interest
    • Get an online cash estimate in just 2 minutes
    • Prequalify without affecting your credit score
    • Accepts bankruptcy resolved over 5 years ago
    • Excellent (1,200+ Trustpilot customers)

    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.