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.
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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 (1,100+ Trustpilot customers)
Home Equity Sharing Agreement
- 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 (1,100+ 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 (2,100+ Trustpilot Clients)
Home Equity Sharing Agreement
- 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 (2,100+ Trustpilot Clients)
Best Overall HELOC
- 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 (4,000+ 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 (4,000+ Trustpilot customers)
Competitive rates for 580-679 FICO
- Borrow $20,000 – $400,000
- Apply 100% online
- Check your options without impacting your credit score
- 25+ years in business
- Family-owned company
- A+ (BBB Rating) / Excellent (Trustpilot Customers)
- Borrow $20,000 – $400,000
- Apply 100% online
- Check your options without impacting your credit score
- 25+ years in business
- Family-owned company
- A+ (BBB Rating) / Excellent (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
1) Unlock (Best for Partial Payments)
Accepts partial payments during the term
- No monthly payments or interest
- Get an online cash estimate in just 60 seconds
- Prequalify without affecting your credit score
- Accepts bankruptcy resolved over 5 years ago
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.
| LendEDU | 4.5 out of 5 |
| Trustpilot | 4.7 out of 5 (1,227 reviews) |
| Better Business Bureau | 3.8 out of 5 (66 reviews) |
| 4.8 out of 5 (660 reviews) |
2) Point (Best for Longer Terms)
No payments for up to 30 years
- Funds can be used for anything you need
- No income requirements
- Get an online cash estimate in just 60 seconds
- Accepts bankruptcy resolved over 2 years ago
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.
| LendEDU | 4.6 out of 5 |
| Trustpilot | 4.7 out of 5 (2,640 reviews) |
| Better Business Bureau | 3.4 out of 5 (51 reviews) |
| 4.8 out of 5 (977 reviews) |
3) Aven (HELOC)
700+ Credit Score Required
- Apply 100% online
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
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.
| LendEDU | 4.8 out of 5 |
| Trustpilot | 4.9 out of 5 (4,902 reviews) |
| 5 out of 5 (2,195 reviews) |
4) New American Funding (Great For Fair/Poor Credit)
Home Equity Line of Credit
- Borrow $20,000 – $400,000
- Apply 100% online
- Check your options without impacting your credit score
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 a A+ rating for customer interaction.
| LendEDU | 4.1 out of 5 |
| Trustpilot | 4.8 out of 5 (1,457 reviews) |
| Better Business Bureau | 4.7 out of 5 (1,504 reviews) |
| 5 out of 5 (64 reviews) |
5) Upstart (No Appraisal Required for Most)- HELOC
Home Equity Line of Credit
- Borrow $26,000 – $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.
| LendEDU | 4.0 out of 5 |
| Trustpilot | 4.9 out of 5 (53,502 reviews) |
| Better Business Bureau | 1.2 out of 5 (164 reviews) |
| 5 out of 5 (10,917 reviews) |
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:
| HESA | HELOC | |
| Minimum credit score | Poor credit accepted | Typically fair credit |
| Income requirements | None | Yes, varies |
| Monthly payments | None | Yes |
| Interest rates | None | Yes |
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 history | HELOC |
| Have fair or poor credit | HESA |
| 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 | HESA |
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 (1,100+ 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 (1,100+ 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.