Best Home Equity Lenders

Tap into your home's value in

Access cash for renovations or debt consolidation with these top-rated HELOC and Equity programs.

Updated March 18, 2026

FUNDING IN AS FEW AS 5 DAYS FOR QUALIFIED LOANS

NMLS #1717824

Figure

Fast Digital HELOC with an A+ BBB Rating and $20+ Billion in Loans Funded

Competitive rates even with a 640 FICO score
High limits: Access up to $750k for any purpose
No-hassle process: Entirely digital application
Approval in minutes and funding in as few as 5 days for qualified loans

9.6

User Ratings

on Figure secure site

3 DAY FUNDING

NMLS #2042345

Aven

Access a credit limit from $5,000-$400,000 in home equity

Close in as fast as 15 minutes, 100% online
Check your offer - no impact to credit score
Quick access to funds - cash in as little as 3 business days from closing

8.9

User Ratings

on Aven secure site

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.

No Monthly Payments

NMLS #2657081

Terms and conditions apply

Unlock

$15K - $500K to use your way. Unlock your home's equity

Access your equity without refinancing
No monthly payments
Use funds for anything

8.5

User Ratings

on Unlock secure site

100% online

NMLS #167283

Quicken Loans

Unlock Cash from Within Your Home

Get Prequalified in Minutes
Fully Online Application
Compare lenders and loan options to find the help you need

8.0

User Ratings

on Quicken Loans secure site

Quicken Loans NMLS #167283; QuickenLoans.com, a LMB Mortgage Services, Inc. company NMLS #167283.

NO CREDIT CHECK

NMLS #174457

loanDepot

Lower Payments. Consolidate Debt. Pull Cash Out.

No obligation rate quote with no impact to your credit score^*
Fund in as little as 2 weeks.
Lifetime waiver of fees after first refinance with loanDepot^*

7.5

User Ratings

on loanDepot secure site