Terms checked 2026-10-12
A HELOC that swipes like a credit card, with 2% back and single-digit APRs.
Special bonusAF: $0Rating: 7.4/10
Aven
A fintech that compresses the home equity line of credit into a Visa card, partnering with Coastal Community Bank to put HELOC pricing behind everyday swipes. One core product, the Home Equity Visa, pairs 2% cash back with APRs roughly half of unsecured cards. The catch is structural: the card is secured by a lien on your home.
Application Rules
- ▸Approval is driven by home equity and income, not just credit score; Aven records a lien on the property
- ▸Lines run $5,000 to $400,000 with a fully online process and e-notary, often funding within days
- ▸No annual, origination or prepayment fees, but cash outs and balance transfers carry a 2.5% fee
Tracked Aven Cards