Top Home Equity Loan Lenders of May 2026
Compare Our Tops Partner Offers
- Unlock your home equity without refinancing or making monthly payments.
- Access up to $500,000 and use the funds however you like
- No impact to your credit score
- No age or income requirements
- Minimum 500 credit score
- Pre-qualify in under 2 minutes
- No monthly payments.
- Get up to $600,000.
- Fast funding, fewer hassles.
- Use the money however you'd like.
- Maximum loan amount: $750,000
- Maximum LTV: 85%
- Terms: 5, 10, 15, and 30 years
- Interest rates: Fixed rates starting at 7.60% APR
- Credit score minimum: 640
- Properties allowed: Single-family homes, townhouses, planned urban developments (PUDs), most condos, and duplexes. Both primary and secondary residences can qualify.
- Typically, no in-person appraisal is required
- Fast funding time
- Instead of sharing information with multiple lenders, fill out one simple, secure form in five minutes or less.
- LendingTree will match you with up to five lenders from their network of 300+ lenders who will call to compete for your business.
- LendingTree provides ongoing support with free credit monitoring, budgeting insights and personalized recommendations to help you save.
- Competitive APRs starting as low as 5.68%
- Lowest Rate HELOC, Guaranteed
- Great HELOC offers for FICO scores 680+
- Credit limits from $5,000–$400,000 in home equity
- 100% online process. Apply easily in as fast as 15 minutes.
- Check your offer with no impact to credit score
- Unlock cash from within your home
- Online loan application process
- Save time on documents & paperwork
- Pay down debt, buy an investment property, or renovate your home
- Check your rate in minutes
- See if you qualify for a rate as low as 6.52% APR
- Get cash in as fast as 8 days
- Tap into a credit line of up to $350,000 to achieve your big financial goals.
- Get a more competitive interest rate than most unsecured loan products.
- Choose a draw period that works best for you—3, 5, or 10 years.
- Over 730K clients. 23 years’ experience. One goal: helping you build a brighter future.
- Get approved and funded quickly, so you can enjoy your new financial freedom.
- Access your home’s equity without refinancing and keep your existing low
- Borrow $25K–$750K, up to 90% of your home’s value, with flexible product options
- Choose fixed-rate terms up to 30 years or interest-only draw periods for payment flexibility
- Use funds for renovations, debt consolidation, major expenses, or investments
- Get fast access to cash, with select programs funding in days and flexible income documentation
- Available for primary residences, second homes, and investment properties
Understanding Your Home Equity Options
Make the most of your home’s value and put it to work for you. Home equity services let homeowners borrow against the difference between their home’s market value and remaining mortgage balance—giving you access to funds for renovations, debt consolidation, or major expenses.
Popular options include home equity loans, which provide a lump sum with fixed rates and predictable monthly payments, and HELOCs (home equity lines of credit), offering flexible, revolving access to cash with variable rates. You can also explore cash-out refinancing to replace your current mortgage and access additional funds—often while securing a better rate.
With competitive rates and versatile options, home equity solutions can help you reach your financial goals. Just be sure to compare interest rates, terms, and repayment options to find the best fit for your situation.
Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289.
Upstart Mortgage, LLC. NMLS #2443873. Upstart Mortgage, LLC dba Upstart Home Lending.
1. Terms 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 July 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.
2. When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.
3. In September 2025, 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. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days.
4. A Home Equity Line of Credit has a variable rate. The APR may change, but the APR that will apply to each draw will be fixed on the date the draw is made. Your APR will be the Prime Rate at the time of draw plus a margin fixed for the life of the HELOC.
5. Terms shown here are subject to change without notice. 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.