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HELOC and home equity matching

Best HELOC lenders, matched to your home in 5 taps

Tell us how much cash you want, what your home is worth, what you owe and your credit range. We show the lender or home equity company that fits, what it could cost, and the catch.

  • Free to use
  • No phone number or SSN here
  • No credit check on this page
  • 7 companies, checked by state
Match my home equity1 of 5

How much cash do you want?

A rough amount is fine. It sets which companies could fit.

What is your home worth?

Your best guess. Home values up to $5M are covered.

What do you still owe on the mortgage?

Home value minus this is your equity.

Roughly, what is your credit score?

Nothing is checked here. This only rules companies in or out.

Can you handle a new monthly payment?

This decides the type. A HELOC has a monthly payment. A home equity investment does not.

Where is the home?

Each company only works in certain states. We could not detect yours.

Checking your answers

    No phone.No SSN.No credit check here.
    7 companies comparedHELOC lenders and home equity investment companies, side by side.
    Checked by stateEach company only works in certain states, so we check yours first.
    Costs and catches shownFees, settlement and the downside, before you click.
    Credit minimums listedEach company's published minimum score, so you skip the long shots.
    Your result

      See my estimate

      Before you visit

      Compare monthly payments vs. settlement
      How it works

      From five taps to a next step you can trust

      No forms to fill out and nothing to sign. You see a suggested company, why it fits, and the trade-off.

      Answer five taps

      Cash you want, home value, mortgage balance, credit range and whether a monthly payment works for you.

      We check who serves your state

      Each company's published credit minimum, amount range and state list is matched against your answers.

      See your match and the catch

      One company to start with, the costs to expect and the trade-off. Then continue on its own site.

      Free to use. No phone or SSN on this page.

      Who we compare

      Seven HELOC and home equity companies, side by side

      Two HELOC lenders and five home equity investment companies. Each one only works in certain states, so your state comes first.

      HometapHEI
      SpliteroHEI
      UnlockHEI
      PointHEI
      NadaHEI
      FigureHELOC
      Upstart Home LendingHELOC

      Compare HELOC lenders and home equity companies

      Start with how repayment works. Then compare the companies for your state.

      Home equity investment

      No monthly payments

      Repayment
      Settle later under the contract
      Cost
      Fees and a share of future home value
      Key trade-off
      The future settlement can be substantial.
      HELOC

      Monthly payments

      Repayment
      Monthly under the loan terms
      Cost
      Interest and fees
      Key trade-off
      Missed payments can put your home at risk.

      CompanyCredit from*Amount*Term*Availability
      No monthly payment (home equity investment)
      HometapRead our review
      575
      $15K to $600K
      10 years
      See estimate
      Hometap works in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Indiana, Kentucky, Missouri, Montana, North Carolina, Nebraska, New Jersey, New Mexico, Nevada, New York, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Wisconsin.
      SpliteroRead our review
      500
      Up to $600K
      Up to 30 years
      See estimate
      Splitero works in: Arizona, California, Florida, Idaho, Missouri, Montana, Nevada, New Jersey, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wyoming.
      UnlockRead our review
      500
      $15K to $500K
      10 years
      See estimate
      Unlock works in: Alabama, Arizona, California, Florida, Georgia, Hawaii, Idaho, Indiana, Kentucky, Missouri, Montana, North Carolina, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Vermont, Wisconsin, Wyoming.
      PointRead our review
      About 500
      Up to $600K
      Up to 30 years
      See estimate
      Point works in: Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, District of Columbia, Wisconsin.
      NadaRead our review
      About 500
      $20K to $600K
      -
      See estimate
      Nada works in: Arkansas, Arizona, California, Florida, Kansas, Louisiana, Michigan, Oklahoma, Oregon, Pennsylvania, South Carolina, Washington.
      Monthly payment (HELOC)
      FigureRead our review
      600 (most states)
      $15K to $750K
      -
      Check rate
      Figure serves most states. Check the company for yours.
      Upstart Home LendingRead our review
      600
      $26K - $250K
      10 and 15 year
      Check APR
      Upstart Home Lending works in: Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Mississippi, Montana, Nebraska, New Jersey, New Mexico, North Carolina, North Dakota, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

      Upstart Home Lending APR range is 6.52% - 18.00% as of June 2026. The lowest APR is available only to borrowers who meet specific eligibility conditions.

      *Company criteria and terms apply. A dash means the company does not publish it.Amounts are the ranges each company publishes. Your amount depends on eligibility.
      FAQ

      A few things worth knowing

      Straight answers before you take the next step.

      What is a HELOC, and how is it different from a home equity investment?

      A home equity line of credit (HELOC) lets you borrow against your home's equity, draw what you need, and repay with interest, usually in monthly payments. A home equity investment has no monthly payment. You settle later, usually when you sell, refinance or pay from savings, and the cost is tied to your home's future value. This page covers both so you can compare them side by side.

      Will anyone call or text me?

      This quiz doesn't ask for your phone number. A company may ask for contact details if you choose to visit its site.

      Will this quiz affect my credit?

      This quiz doesn't run a credit check. A company may check your credit if you apply. Each company sets a minimum score: about 500 for Splitero, Unlock, Point and Nada, 575 for Hometap, 600 for Upstart Home Lending, and 600 in most states for Figure. Figure's rate check is a soft pull.

      What could this cost?

      Closing costs apply to both types, and they vary by company and state. Ask for the full cost in dollars, not just the rate or share, before you sign.

      Could my home be at risk?

      With a HELOC, the home secures the loan, so missed payments can lead to foreclosure like a mortgage. With a home equity investment there is no monthly payment, but you must settle by the end of the term, usually by selling, refinancing or paying from savings. The CFPB notes that if you cannot settle, a sale can be forced. Read the settlement terms before you sign.

      How soon could I get the money?

      Figure says it can fund in about 5 days. Home equity investments usually take longer because of the appraisal and closing paperwork, and some states require an in-person notary.

      Can I settle or repay early?

      Home equity investments let you settle before the term ends, usually by paying the company its share based on the home's value at that time. HELOCs can generally be paid down any time. Check each company's terms for fees on early payoff.

      How is my home valued?

      The company arranges a valuation of your home, and the offer is based on that number, not yours. It can come in lower than you expect, which shrinks the offer. You can ask how they value the home and whether you can dispute it before you sign anything.

      Do condos and rental homes qualify?

      Some do and some do not, and it can depend on the building. This match assumes a home you live in. Confirm condo, townhome and rental eligibility on the company's quote page before you count on it.

      Not sure where to start?

      Five taps to narrow down your options.

      No phone. No SSN. No credit check on this page.

      Suggested matches are not approval or an offer. Companies set their own terms, which can change. Check the current terms on each company's site before you sign.How we check our facts

      We’re a team of banking and personal finance experts who believe that you deserve better and more lucrative banking options. We’re dedicated to providing fresh, accurate, and honest guidance.

      More about us

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