Best Fintechs for Home Equity (2026)

If you’ve built up equity in your home, fintech companies now offer more ways to tap it than a trip to your local bank. Some issue fast, fully digital home equity lines of credit (HELOCs). One hands you a fixed-rate lump sum like a traditional home equity loan, just without the bank branch. Others skip lending altogether and pay you cash for a share of your home’s future value, with no monthly bill at all. Here’s how seven of the best fintech options compare on the numbers that actually matter: max LTV, APR, minimum credit score and fees.

Best fintechs for home equity

• Best for no monthly payments with flexible settlement: Hometap
• Best for fast funding and a high LTV ceiling: Figure HELOC
• Best for a low credit score minimum on a fixed-rate HELOC: Achieve HELOC
• Best for a true fixed-rate home equity loan: SoFi HELOC
• Best for an established equity sharing agreement: Unison
• Best for the lowest credit score requirement overall: Point Home Equity Investment
• Best for a rewards-earning HELOC credit card: Aven

Max LTV	APR range	Min. Credit Score	Annual Fee
Best for no monthly payments with flexible settlement
Hometap	75%		585		See ratesView details Compare product selection Compare	loading	Why we like it Hometap isn't a loan. It's a home equity investment (HEI): Hometap gives you cash up front in exchange for a share of your home's future value, and you owe nothing month to month. You settle within 10 years through a sale, a refinance or a buyout with savings. Pros & cons Pros No monthly payments for the life of the investment Minimum FICO score of just 585 Three ways to settle: sale, refinance or savings Cons One-time fee of 4.5% of the investment amount, up to $20,000 Needs roughly 25% home equity (max 75% LTV) You must settle the investment within 10 years
Best for fast funding and a high LTV ceiling
Figure HELOC	Not disclosed	Starting at 8.75%	620	$0	View details Compare product selection Compare	loading	Why we like it Figure is a non-bank HELOC lender built around a fully digital, blockchain-backed process. It can fund in as few as five days and, for well-qualified borrowers, allows a combined LTV of up to 95% — higher than most competitors on this list. You draw your full line at closing, then redraw as you repay. Pros & cons Pros Funding possible in as few as five days No annual fees Combined LTV up to 95% for the most qualified borrowers Cons Must draw the full loan amount at closing Charges an origination fee (amount varies by state and credit profile) Upper end of its APR range isn't listed on its website
Best for a low credit score minimum on a fixed-rate HELOC
Achieve HELOC	90	4.99% intro (locked to April 2027); 7.51%–8.01% variable non-intro		None	View details Compare product selection Compare	loading	Why we like it Achieve's HELOC is fixed-rate and fully amortizing from day one, so there's no adjustable-rate surprise waiting at the end of a draw period. It recently raised its loan limit to $700,000, and its combined LTV cap runs 75%–90% depending on your credit score and property type, with a minimum credit score of 600. Pros & cons Pros Minimum credit score of just 600 Fixed rate and fully amortizing payments, no rate shocks No prepayment penalty for the life of the HELOC Cons Only available in 31 states Draw period capped at five years Origination fee up to 4.0% of the loan amount, plus a $725 underwriting fee
Best for a true fixed-rate home equity loan
SoFi HELOC	85%	6.37%–9.74% (variable; as of 3/31/26) for HELOC; Fixed rates from 6.99% APR (as of 5/30/26) for Home Equity Loan			View details Compare product selection Compare	loading	Why we like it Unlike some HELOCs, SoFi's home equity loan pays out as a single lump sum with a fixed rate and fixed monthly payment from day one, closer to what most people picture when they hear "home equity loan." SoFi also offers a separate HELOC, but the lump-sum loan is the standout if you want one predictable payment rather than a revolving line. Pros & cons Pros Fixed APR starting at 6.99% Loan amounts up to $750,000 $0 origination fee option if you're willing to take a slightly higher rate Cons Typically needs a credit score around 680, higher than the other HELOC picks here Origination fee runs $1,295 if you skip the higher-rate option Upper end of its APR range isn't listed on its website
Best for an established equity sharing agreement
Unison					View details Compare product selection Compare	loading	Why we like it Unison is one of the longer-running names in home equity sharing. It gives you cash for a share of your home's future change in value, with no monthly payments and no interest. Unison holds its underwriting to a higher bar than some HEI competitors, which it says lets it offer a smaller share in exchange. Pros & cons Pros No monthly payments or interest charges Unison covers the cost of credit reporting Long track record in the equity sharing space Cons Max LTV of 70%, stricter than some competitors Minimum mid-FICO score of 620, higher than some HEI providers 3.90% transaction fee, plus you cover the home inspection cost
Best for the lowest credit score requirement overall
Point Home Equity Investment		6.50% – 15.25% (initial draw, fixed rate) for HELOC	500		View details Compare product selection Compare	loading	Why we like it Point's HEI accepts credit scores above 500, the lowest bar on this list by a wide margin. Point gives you cash for a share of your home's future appreciation over a 30-year term, and you can buy back your equity at any time with no prepayment penalty. Pros & cons Pros Credit score requirement above 500 only No monthly payments and no prepayment penalty 30-year term gives you a long window to settle Cons Max LTV capped at 70% 3.9% processing fee, subject to a $2,000 minimum You give up a share of future appreciation permanently once settled
Best for a rewards-earning HELOC credit card
Aven	Combined LTV allowed up to 89%	6.49%–14.99% (primary residences)	620	None	View details Compare product selection Compare	loading	Why we like it Aven turns your home equity into a Visa card instead of a lump sum or a separate account. You spend on the card like normal, earn 2% cash back and pay a rate that's tied to your equity rather than to unsecured-card pricing. It's a good fit if you want revolving access to equity without opening a whole new banking relationship. Pros & cons Pros APR as low as 6.49% for primary residences No annual, sign-up or prepayment fees Combined LTV allowed up to 89% Cons 2.5% fee on cash-outs and balance transfers $29 late fee for a missed minimum payment Best rates need a high score, not just the 620 minimum

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How we chose these lenders

Every pick on this page had to clear a fintech screen first: a technology-first company that originates or facilitates its own home equity product directly, not a traditional bank, credit union or marketplace that just refers you elsewhere. That’s why you won’t see Bank of America or Wells Fargo here, even though they’re major HELOC lenders — they’re banks, not fintechs.

We weighed max LTV, APR or cost structure, minimum credit score and fees, along with how clearly each company discloses its terms.

How to compare fintechs for home equity

Before you pick one, run through these factors:

• Loan structure. A HELOC is revolving, so you draw and redraw as needed. A home equity loan, like SoFi’s, pays out once as a lump sum with a fixed payment. An HEI gives you cash with no monthly payment but takes a cut of your home’s future value or appreciation instead.
• Max LTV. This caps how much you can access. Figure allows the highest combined LTV on this list; HEI providers cap out lower, around 70% to 75%.
• Credit score. HEI providers tend to accept lower scores since they’re not underwriting a monthly payment. Point’s 500+ minimum is the lowest here.
• True cost. For loans, compare the full APR range, not just the advertised low end. For HEIs, compare the upfront fee and the percentage of value or appreciation you’ll owe at settlement.
• Fees. Look for one-time origination or processing fees, plus any ongoing annual or maintenance fees.
• Settlement terms. HEIs have a fixed term (10 to 30 years here) after which you must settle. Know your exit options before you sign.

What is a fintech home equity product?

A fintech home equity product is any equity-tapping tool offered by a technology-first company rather than a traditional bank or credit union. Most fall into one of two categories: a HELOC or fixed-rate home equity loan, which lends against your equity and charges interest, or a home equity investment (HEI), which buys a stake in your home’s future value in exchange for a lump sum today.

Fintech lenders are typically low doc equity products and move faster than banks because they lean on automated valuations and digital notaries instead of in-person appraisals. HEI companies go a step further by skipping monthly payments and income underwriting altogether, since there’s no debt to service.

Pros and cons of fintech home equity products

Weigh these before choosing a lender or an HEI provider:

See the best home equity loan rates available to you today

Use our tool to see estimated rates from top lenders based on your location and financial details. Select whether you’re looking for a home equity loan, HELOC or cash-out refinance. Enter your ZIP code, credit score and information about your current home to see your personalized rates.

Types of fintech home equity products

How to qualify for a fintech home equity product

Requirements vary by product type, but most fintechs on this list look for:

• A minimum amount of home equity, generally 10% to 30% depending on the company
• A credit score that clears the company’s minimum, which ranges from 500+ to 640 among the picks above
• A property type the company accepts, typically single-family homes, condos or townhomes
• For HELOCs and home equity loans, enough income and a low enough debt-to-income ratio to support a monthly payment

How to apply for a fintech home equity product

Getting started with most of these companies follows a similar pattern:

1. Check your rate or investment offer online. Most of these companies let you prequalify in minutes with a soft credit pull that won’t affect your score.
2. Submit documentation. For a HELOC or home equity loan, expect to provide income and mortgage details. For an HEI, expect less paperwork since income generally isn’t a factor.
3. Complete the valuation. Some fintechs use an automated valuation model instead of an in-person appraisal, which speeds up the process.
4. Close and receive funds. Digital lenders can close and fund in as little as several days to a few weeks, depending on the company and your state.

Alternatives to fintech home equity products

If none of these fit, a few other options are worth considering:

• A traditional bank or credit union HELOC. Often slower to close but may offer a branch relationship and negotiable terms.
• A cash-out refinance. Replaces your existing mortgage with a larger one and gives you the difference in cash, useful if current mortgage rates are close to your existing rate.
• A personal loan. Unsecured and faster to close, but usually a higher rate and a smaller amount than a home equity product.
• A reverse mortgage. Available to homeowners 62 and older, it lets you tap equity without monthly payments, but it reduces the equity left for heirs.
• Selling and downsizing. Gives you full access to your equity, though it comes with moving costs and a new mortgage search.

Frequently asked questions

• What's the difference between a HELOC and a home equity investment (HEI)?

  A HELOC is a loan. You borrow against your equity, pay interest and make monthly payments. An HEI isn't a loan — a company pays you cash up front for a share of your home's future value or appreciation, and you owe nothing monthly, but you give up part of that future value when you settle.

• Can I get a fintech home equity product with bad credit?

  It depends on the product. HEI providers like Point (above 500) and Hometap (585) accept lower credit scores than most HELOC lenders, since there's no monthly payment to underwrite. Fintech HELOCs like Achieve (600) and Aven (620) also tend to have lower minimums than many traditional banks.

• Do fintech home equity companies check my income?

  HELOC and home equity loan lenders generally do, since you'll need to make a monthly payment. HEI providers typically skip income verification altogether because there's no debt to service.

• Are home equity investments the same as reverse mortgages?

  No. A reverse mortgage is a loan available only to homeowners 62 and older that accrues interest over time. An HEI has no age requirement and no interest — it's a sale of a partial, future stake in your home rather than a loan against it.

To make sure you get accurate and helpful information, this guide has been edited by Richard Laycock as part of our fact-checking process.

Written by

Megan B. Shepherd

Editor, Loans & Insurance

Megan B. Shepherd is a personal finance expert and editor for loans and insurance at Finder. Her personal finance expertise has been featured on Forbes, Nasdaq, MediaFeed, Fox News, Time, Reviews.com, and carinsurance.com, adding invaluable information related to personal loans, financial strategies and smart borrowing tactics. Megan graduated from the University of Texas at Dallas with a BS in Business Administration with an entrepreneurial focus. She's worked as a certified financial adviser and has earned certificates of completion from A.D. Banker & Company. See full bio

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