Fast, easy online HELOC
- HELOCs up to $250K, with no need to draw it all at once
- Take cash out and consolidate debt at rates as low as 6.49% APR1
- Apply 100% online in as fast as 4 minutes, funding in as few as 4 days2
- Access your line with $0 draw fees using the Trovy HELOC credit card4
Takes 2 minutes • No credit impact5
Trusted and loved by our customers.
- Testimonial 1 of 9
“Trovy delivered on every aspect. If you're looking for a much better alternative to the traditional HELOC, I highly recommend Trovy.”
-Marc Sep 4, 2025 - Testimonial 2 of 9
“I heard many good things about Trovy and wanted to see for myself. It was a cake walk, due to the amazing support team.”
-Emad Mar 31, 2026 - Testimonial 3 of 9
“The process was very easy–I could do everything sitting in my living room. Super fast response times, clear and nicely organized.”
-Diane May 18, 2026 - Testimonial 4 of 9
“Trovy transformed what I expected to be a month-long lending process into a seamless experience completed in just days, with outstanding support at every step.”
-Raljoseph July 14, 2026 - Testimonial 5 of 9
“Absolutely seamless process. Zero hiccups. I also tried Aven–and the difference is human interaction, which is available at every junction with Trovy.”
-Bobby May 1, 2026 - Testimonial 6 of 9
“Trovy is disrupting the HELOC market with lightning-fast service, zero paperwork headaches, and problem-solving support.”
-Dean Mar 5, 2026 - Testimonial 7 of 9
“It was a great experience from start to funding. Thank you so very much!”
-Mike July 15, 2026 - Testimonial 8 of 9
“Fast, efficient and better than the competitors.”
-Frank Aug 3, 2026 - Testimonial 9 of 9
“Very quick and easy process. Excellent customer service.”
-Chris May 2, 2026
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Get cash out when you need it
Easy ACH transfers to your bank account at fixed rates.1,12
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Competitive mortgage rates
Your HELOC rate also applies to your Trovy HELOC credit card.
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Use the Trovy Card anywhere, for anything
Swap your existing credit card for a low HELOC rate and save 50%+ on interest9
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No draw fees
There are no draw fees on Trovy Card purchases.
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Cashback rewards
Earn up to 2% cashback rewards, plus cardholder perks.10
Simple to apply, easy to use.
Takes 2 minutes • No credit impact5
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Check your rate in 2 minutes with no credit impact
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Apply 100% online, and close with a remote notary8
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Access your funds in as few as 4 days2
The HELOC for everything.
What makes Trovy the better HELOC?
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No draw fees when you use your Trovy HELOC credit card.
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No need to draw it all at once. Use it as needed.
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Fast, easy, 100% online application.
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Take cash out when you need it at fixed rates.1,12
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No prepayment penalty. No annual fee.
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2% cash-back on home-related purchases, 1% on all other Trovy Card purchases.10
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5-year draw period, renewable up to 20 years.13
How Trovy compares
Low interest rates
Quick process
Credit card access
No required draw11
Bottom line
Frequently asked questions
What makes the Trovy HELOC special?
Trovy is the HELOC built for how you actually want to borrow, with an easy online application, flexible rates and flexible draws.
You don't have to draw it all at once, and it works like a credit card, allowing you to draw on it as needed.
When you take cash out or transfer a high-interest balance to your Trovy line, you pay a fixed rate of interest and choose the repayment term.
Trovy also gives you a Trovy HELOC credit card to access your line anytime, just like a credit card, wherever Mastercard is accepted. You'll pay no draw fees when you access your HELOC using the card, and you'll earn cashback rewards.
What is the Trovy HELOC credit card?
With your Trovy HELOC, you will receive a Trovy HELOC credit card that you can use to access your line of credit. You can use it anywhere Mastercard is accepted, giving you flexible access to your home equity funds when you need them. There are no draw fees when you use your Trovy HELOC credit card for purchases, and you get your HELOC rate of interest on a card, saving you money compared to a typical credit card.
What are the qualification requirements for the Trovy HELOC?
To qualify for the Trovy HELOC, you must meet certain eligibility requirements related to your home equity (max CLTV of 85%), credit score (minimum of 640 credit score), debt-to-income ratio (45%), and property. Trovy uses a streamlined process to assess your qualifications and provide instant decisions. Meeting these minimums doesn't guarantee approval, as we evaluate each application holistically based on your complete financial profile. Check how much you qualify for here. There's no impact on your credit score to check your rate.
How does Trovy determine the credit line size and interest rate?
Trovy's underwriting system is fully automated, and calculates offers based on an applicant's income, home equity, credit, and debt obligations.
How do I take cash out with the Trovy HELOC?
You can use your Trovy HELOC to request an ACH transfer to your bank account. It's fast, easy and 100% online. We do not offer checks to access your HELOC funds.
Does Trovy require an upfront draw?
Trovy does not require any upfront draw when you open your HELOC if your loan size is $100,000 or less. If you need more than $100,000, you must take an upfront draw in the form of a cash advance and/or balance transfer at closing in an amount that exceeds $100,000. So, if your line size is $150,000, you'll be required to draw $50,000 at closing. From there, you can use your HELOC whenever you need it.
Ready to unlock your home equity?
Takes 2 minutes to check your rate • No credit impact5