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.
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.
Before you pick one, run through these factors:
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.
Weigh these before choosing a lender or an HEI provider:
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.
| Type | How it works | Typical cost | Best for |
|---|---|---|---|
| HELOC (revolving or fixed-rate) | Borrow against equity, repay with interest, redraw as you repay | APR-based interest, sometimes an origination fee | Ongoing or repeated access to cash |
| Home equity loan | Lump sum against equity, fixed monthly payments | Fixed APR, closing costs | A single large, known expense |
| Home equity investment (HEI) | Get cash for a share of your home’s future value or appreciation | One-time fee (roughly 3% to 5%), no interest | No monthly payment, lower credit score |
Requirements vary by product type, but most fintechs on this list look for:
Getting started with most of these companies follows a similar pattern:
If none of these fit, a few other options are worth considering:
A home equity agreement gives you cash for a share of your home’s future value, no monthly payments required.
Splitero offers a 30-year home equity investment with no monthly payments and a 4.99% origination fee.
Unison lets you cash out home equity with no monthly payments, but it’s an investment, not a loan.
Unlock offers homeowners up to $500,000 in cash for a share of future home value.
A fixed-rate HELOC with loans up to $700,000, a 600 credit score minimum and funding in as few as 10 days.
Aven turns your home equity into a Visa card with 2% cash back — here’s how the rates and rules work.
Upstart’s HELOC skips the appraisal but requires a large upfront draw and short repayment window.
A clear, side-by-side comparison of every way to turn your home equity into cash today.
Rocket Mortgage offers a fixed-rate home equity loan with nationwide availability and no HELOC option.
