RenoFi matches renovation projects with credit unions that lend against your home's after-renovation value, up to $750,000. Most lenders want a 620 score, and closing takes 30 to 60 days.
The Upstart HELOC runs through Upstart Home Lending, with lines of $26,000 to $250,000 and APRs from 6.52% to 18.00%. You must draw 80% of the line at opening, and the lowest rate needs a 780 score.
Spring EQ offers fixed and variable HELOCs and a home equity loan, $50,000 to $500,000, from a 640 FICO. It posts no rates or fee amounts, and funding can take as few as 11 days.
PenFed's HELOC starts at 7.000% variable in October 2026, with $25,000 to $500,000 lines, a 10-year draw, a $99 annual fee and most closing costs paid. Membership is required.
The Achieve HELOC is a fixed-rate line from $15,000 to $700,000 with a 600 minimum credit score in 31 states. Closing costs run $750 to $10,304, and you draw the whole line up front.
