- 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)
- 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)
380,000+ visitors used LendEDU in the last month
- 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 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)
- 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)
Availability depends on your state.
Use the filter above to see what’s available in your state. If there are no results, consider alternative home equity financing solutions, such as the best HELOCs, best home equity loans, and best home-sale leasebacks.
Home Improvements & Repairs
Home repairs and renovations can be overwhelming, especially when they can’t wait. Whether you’re remodeling a kitchen or bathroom, or dealing with an unexpected HVAC failure or flooded basement, you need fast, reliable access to cash to protect your home and keep your family comfortable.
More about HEAs
An HEA 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.
You can use the funds for anything and there are no income requirements. It isn’t a form of debt, so there are also no monthly payments, and the eligibility requirements are more lenient.
More about HELOCs
A HELOC lets you quickly tap into the value of your home so you can start your project or repair without delay. It’s a flexible, affordable way to get the funds you need, right when you need them.
Each HELOC lender has its own qualification requirements for borrowers. Here are some examples:
- Enough equity in your home
- A minimum credit score as determined by each lender
- A low debt-to-income ratio (DTI), typically below 50%
- A stable job with documented income
Having documentation in place, including identifying documents, pay stubs, tax forms, and more, can help to speed up your HELOC application process.
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.