Home Equity Investments for 500+ Credit Scores
- 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 (1,400+ 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 (5,400+ 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 (3,200+ Trustpilot Clients)
380,0+ visitors used LendEDU in the last month
Home Equity Lines Of Credit (HELOC) for 700+ Credit Scores
- Close in as fast as 2 days1
- Borrow $26,000 to $250,000
- Apply 100% online
- No annual fee, prepayment penalty, or fees to redraw2
- No paperwork needed to apply
- Excellent (56,000+ Trustpilot customers)
Which Home Equity Solution Is Right for You?
Home equity investment (HEI)
An 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.
1In January 2026, 10% of funded HELOCs achieved a closing timeline of 2 days or less and a funding timeline of 8 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.
2Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of September 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% 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.