01
Lenient Credit Requirements
Qualify with a credit score as low as 600. We look at the full picture of your finances, not just one number.
Home Equity Financing to Fund What's Next
Whether you're consolidating debt, funding a renovation, or reinvesting in your business, your home equity can work harder for you. Get approved in minutes and funded in days, not weeks.
- Approval in as little as 5 minutes
- Funded in as little as 5 days
- Credit scores from 600 and up qualify
What You Need to Qualify
600+
Minimum Credit Score
Up to 85%
Maximum Loan to Value
TrustScore 4.4 / 5 on Trustpilot
How much equity would you like to access?
Drag the slider or type an amount
$
$20K$5M
Only Takes 5 Minutes
Checking your rate won't impact your credit score
Get Your HELOC Funded Fast
01
Tell Us About Your Home
Share your home's value, any existing mortgage balances, and how much funding you're looking for. Takes about 5 minutes.
02
Get Approved Fast
Receive your approval decision in as little as 5 minutes, with clear terms and no obligation.
03
Lock In Your Rate
Choose a term from 10 to 30 years. Our advisors handle the paperwork for you.
04
Access Your Funds
Funds can arrive in as little as 5 days, far faster than a traditional HELOC.
What Makes Our HELOC Different
Understanding a Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit lets you borrow against the equity you've built in your home, giving you access to funds without selling your home or refinancing your entire mortgage.
Most traditional HELOCs require a 700+ credit score, extensive documentation, and weeks of waiting. Ours is built for speed and flexibility instead. Whether you're consolidating debt, funding a renovation, or reinvesting in your business, our fully digital process is designed to take you from application to funding in days, not months.
HELOC Details
Our HELOC is built for speed and flexibility, with long terms that keep monthly payments manageable.
- Loan Amounts
- Up to 85% loan to value
- Rates
- 5% to 11% APR
- Terms
- 10 to 30 years, monthly payments
- Speed
- Approved in 5 minutes, funded in as little as 5 days
Common Uses for a HELOC
- Consolidating High-Interest DebtPay off credit cards and other high-interest balances with a lower, more predictable rate.
- Funding Home RenovationsUpdate your kitchen, add a room, or make repairs using the equity you've already built.
- Reinvesting in Your BusinessUse your home equity as an additional source of working capital when you need it most.
- Covering Major ExpensesMedical bills, tuition, or other large one-time costs become manageable with the right funding.
- Building an Emergency ReserveSet up a financial cushion you can draw from only when you actually need it.
- Bridging a Cash Flow GapAccess funds quickly when timing matters, without waiting weeks for a decision.
Credit Requirements for a HELOC
Our HELOC is available to a wider range of credit profiles than most traditional lenders allow. Your home equity and overall financial picture matter just as much as your credit score.
- Credit scores as low as 600 qualify
- Existing mortgages do not disqualify you
- Up to 85% loan to value available, including 3rd position
- Checking your rate has no impact on your credit score
Good news
Homeowners with credit scores from 600 and up successfully qualify for our HELOC every day. Most traditional HELOCs require a 700+ score, extensive documentation, and a long wait. We built ours to be different.
Excellent Credit (700+)
Great rates, highest funding amounts, most term flexibility
740Score
Our Minimum (600+)
Still qualifies. Lenient requirements, fast approval, no credit impact to check
600Score
Our HELOC by the Numbers
600
minimum credit score. Well below the 700+ most traditional HELOCs require.
5 minutes
to get approved. See your terms before you commit to anything.
5 days
average time to fund. Most traditional HELOCs take weeks.
Evaluating a HELOC
Pros
- Lower rates than most unsecured financing options
- Long terms from 10 to 30 years keep payments manageable
- No impact to your credit score to check your rate
- Fully digital process from start to finish
- Two dedicated advisors guide you the entire way
- Can fund up to 3rd position, even with two existing mortgages
Cons
- Your home secures the loan, so missed payments put your property at risk
- Requires sufficient home equity to qualify
- Rate structure depends on the term you select
- Closing costs or fees may apply depending on your situation
Compare our HELOC to Other Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Our HELOC | Up to 85% LTV, 3rd position OK | 5% to 11% APR | Approved in 5 min, funded in 5 days |
| Traditional Bank HELOC | Typically up to 80% LTV | Often 8% to 13%+ APR | 2 to 6 weeks |
| Home Equity Loan | Typically up to 80% LTV | Often 7% to 12% APR, fixed | 2 to 4 weeks |
| Cash Out Refinance | Typically up to 80% LTV | Based on current mortgage rates | 30 to 45 days |
| Personal Loan | Varies, often lower max | Often 8% to 25%+ APR | 1 to 5 days |
HELOC Qualification Requirements
- Credit Score
- 600+
- Loan to Value
- Up to 85%
- Existing Mortgages OK (3rd position eligible)
- Up to 2
Apply for Your HELOC Today
Get approved in as little as 5 minutes and funded in as little as 5 days. No lengthy paperwork, no long wait.
Check My RateStep 1: Online Application
Tell us about your home, your existing mortgages, and how much funding you're looking for. Takes about 5 minutes.
Step 2: Get Your Decision
Get an approval decision in as little as 5 minutes, with no impact to your credit score.
Step 3: Select Your Terms
Choose a term from 10 to 30 years and lock in your rate with help from your dedicated advisors.
HELOC by Use Case
Debt Consolidation
Simplify high-interest balances into one predictable payment
Home Renovation
Fund the upgrades you've been planning
Business Reinvestment
Put your equity to work growing your business
Major Expenses
Cover large one-time costs without draining savings
FAQs
Home Equity Line of Credit (HELOC) Questions
A HELOC gives you a revolving line of credit you can draw from as needed, similar to a credit card, while a home equity loan provides a single lump sum upfront. A HELOC offers more flexibility if you're not sure exactly how much you'll need or when.
We work with credit scores starting at 600, well below the 700+ most traditional HELOCs require. Your home equity and overall financial picture matter just as much as your score.
Yes. We can fund up to 3rd position, up to 85% loan to value, even if you already have two mortgages on your home.
Most applicants receive an approval decision in as little as 5 minutes. Once approved, funds can arrive in as little as 5 days.
No. Checking your rate and eligibility does not impact your credit score.
Common uses include debt consolidation, home renovations, business reinvestment, and covering major expenses. There are generally no restrictions on how you use the funds.
Terms range from 10 to 30 years with monthly payments, and rates range from 5% to 11% APR depending on your qualification.
Yes. A HELOC is secured by your home, meaning your home serves as collateral. Missing payments could put your property at risk, so it's important to borrow an amount you're confident you can repay.
The process is fully digital. Basic requirements typically include proof of homeownership, current mortgage information, and identification. Your dedicated advisors will let you know if anything additional is needed.
You're paired with two dedicated advisors who guide you through the entire process, from your initial application through funding.
Get Your Home Equity Working Today
Apply in minutes and get a decision fast. Our team is ready to help you find the right HELOC for your goals.
How much equity would you like to access?
Drag the slider or type an amount
$
$20K$5M
Only Takes 5 Minutes
Checking your rate won't impact your credit score