The credit card for homeowners

Your home's equity, in your wallet

  • Credit card powered by your home
  • Variable APRs as low as 6.49%1
  • Transfer high APR balances to pay less interest
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Variable APRs as low as 6.49%1
Approval in as fast as 4 minutes2
Access your funds in as few as 4 days2
Save an average of $8,870/year3 compared to typical credit cards

HOW TROVY COMPARES

The HELOC with the
ease of a credit card.

Faster approval. Lower APRs. Lower monthly payments. It's flexible, and tax-deductible when used for home renovation.7 It's a no-brainer.

Traditional HELOC
Traditional Credit Card6
The Trovy Card

Low interest rates

Easy to use

Easy to fund

Bottom line

What to expect

Get approved in as fast as 4 minutes, and access your funds in as few as 4 days2

Step 1

Check your rate and get prequalified in under 2 minutes

Checking your rate is easy and won't affect your credit score.5

Step 2

Close your loan entirely online

Accept your offer and close your loan entirely online with an on-demand notary.

Step 3

Access your funds in as few as 4 days

Transfer your high rate balance, get cash to your bank account, and start spending with your Trovy Card.

1 of 3
Lower rates, smarter borrowing
APRs well below typical credit cards — because you're a homeowner. Ideal for consolidating high-interest consolidation
Everyday access, zero hassle
Use your credit line just like a credit card — no need to request draws or move money around first. 1.5% unlimited cash back on all purchases, and 3% back on your largest spend category.
Turn home equity into instant cash
Access cash whenever you need it — withdraw from ATMs or transfer funds directly to your bank account via ACH.4
Flexible payments, like a credit card
Pay only for what you use. You can make monthly payments just like a credit card – starting at 1% of the balance.
BY THE NUMBERS

Trovy Card is easy, flexible, and smart

4 min to be approved2
10 min from application start to finish
4 days to access funds2
100% online application & closing
0% annual fee, 0% upfront fee8
3% balance transfer & cash advance fee
$50k max credit limit
30–year loan term
6.49%–14.49% variable APR1
1.5% unlimited cash back on purchases...and 3% cash back on your largest category

Your home's equity
for unexpected events

Your home's equity
for life milestones

Your home's equity
for your dream vacation

Your home's equity
for your home improvement

Your home's equity
for caring for family

Unexpected events
Life milestones
Dream vacation
Home improvement
Caring for family

THE bottom line

Get lower-cost, flexible credit built for homeowners.

Trovy Trovy
Privacy Policy Terms of Use Licenses

©2025 Trovy Technologies, Inc.

Trovy Lending Co. dba Trovy. 1460 Broadway, New York, New York 10036. (833) 987-6890 support@trovy.com I NMLS #2676733. For licensing information, go to www.nmlsconsumeraccess.org. Equal Opportunity Lender. The Trovy Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Mastercard.

The Trovy HELOC Card is currently available in AZ, CO, FL, IL, MI, NJ, NC, OH, OR, PA, WA, and WI. Check back soon for more states!

  1. Initial Annual Percentage Rates (APRs) range from 6.49% to 14.49% as of June 19 2025. The lowest rates are only available to the most qualified applicants; rates will be higher for others. This is a variable rate product; APRs may increase or decrease over time based on changes to the highest domestic Prime Rate published in the Money Rates section of the Wall Street Journal (index) and applicable margin but will not exceed 18% at any time during the life of the account. As a representative example, a borrower with a 60% combined loan-to-value ratio (CLTV) and a 740 credit score would qualify for an initial APR of 11.75%. Your actual rate will depend on many factors such as your credit profile, debt-to-income ratio, CLTV, and property usage. Rates change frequently so your exact initial APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. Property insurance may be required as a condition of the loan depending on lien status and whether the property is located in a flood zone.
  2. Approval may be granted in as little as four minutes but may be subject to income verification for properties located in certain states. You can receive access to your funds for a balance transfer or cash advance in as few as four days, or faster for properties that are not subject to a rescission period, and your card will be sent promptly after the four-day period concludes.
  3. All savings estimates are illustrative. The estimated savings figure is based on a comparison between (1) the estimated monthly payment amount using the maximum credit limit and initial APR shown above, and (2) an estimated credit card payment using the same credit limit and an average credit card APR of 24.23% (per NerdWallet, as of 04/29/2025). Actual savings may vary and could be lower. The APR on the Trovy HELOC Card is variable and may change over time, affecting both interest costs and monthly payment amounts.
  4. Each cash advance and balance transfer is subject to a fee of up to 3% of the amount transferred. This fee is in addition to any interest that may accrue from the date of the transaction. Fee amounts are subject to change.
  5. To check the rates and terms you qualify for, we will conduct a soft credit pull which will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
  6. The Trovy HELOC Card is secured by your home, and you could lose your home if you fail to repay.
  7. You should consult a tax advisor regarding the deductibility of interest and charges to your Trovy Card.
  8. You may also be responsible for recording fees and taxes (up to $425) depending on where your property is located. Fees are waived if you use your account in the first year.