Your home's equity,
in your wallet
Enjoy the low interest rates of a HELOC – with the flexibility and ease of a credit card.
Takes 2 min • No credit impact5
It's the most flexible HELOC on the market.
upfront draw required
fees due at closing4
draw fees on Trovy Card purchases
Why homeowners love the Trovy HELOC
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Card-based access
Use your equity like a credit card, anywhere you need it
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No upfront draw
Open your line and use it only when you're ready
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Low interest rates
A fraction of credit card or personal loan rates
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Minimal fees
No application, appraisal, or annual fees
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Revolving credit
Draw, repay, and redraw as many times as you need
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Rate flexibility
Choose variable or fixed rates based on your strategy
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Fast & digital
Apply in minutes, close in days, not months
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White-glove service
Real people who understand HELOCs when you need help
Mortgage rates, with credit-card convenience.
Your HELOC comes with a Trovy Card you can use anywhere Mastercard is accepted. In addition to the ability to withdraw cash or transfer balances, accessing your home equity is as easy as swiping a credit card.
Learn more about the Trovy Card
Why you'll love the Trovy Card
- 1.5-3% cash back on all card purchases
- No draw fee when you use your card
- Still only one monthly payment
- No interest if you pay off your balance
Want the certainty of a fixed rate? Sure thing.
The Trovy HELOC allows you to choose a variable or fixed rate based on your strategy. Use our innovative FixedPay feature to create a custom payment plan for any balance or transaction over $100. Choose from multiple repayment periods.
Try the Payment Calculator
Quick & easy to apply
Check your rate-
Check your rate in 2 min with no credit impact
Check your offer in under 2 minutes with no credit impact by providing basic information about you and your property.5
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Apply 100% online and close with a remote notary
Accept your offer and sign your closing documents online – even the notary step is virtual and on-demand.8
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Access your funds in as few as 4 days2
Transfer your high-rate balance, send cash to your bank account, and start spending with your Trovy Card.
What our customers are saying
Russell
Verified customer review
Super fast process
It was easy. Before I even got my Trovy HELOC card, I put in a request for the amount of money I was looking for. And that money got deposited in my account before my card showed up. I've already used it to complete my next project.
Larry
Verified customer review
Fast and easy process
I recently got the Trovy Card as a backup card for emergencies. Trovy let me use my home equity and get a great rate within minutes. And the process was fast and painless. The team was super helpful and answered all my questions along the way.
John
Verified customer review
Great card, rewards, and customer service
Fantastic product with an expedient sign-up process. Unlike other HELOCs, this HELOC allows you to earn rewards because it's attached to a credit card. I also like that cash back rewards are automatically applied to whatever category I spend the most money on for that given month.
Mark
Verified customer review
Trovy made an easier HELOC
Trovy delivered on the promise to create the easiest HELOC. They have fantastic customer service and follow up frequently throughout the process. I recommend Trovy if you're looking for a better HELOC
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Trovy HELOC for Debt consolidation
Consolidate high-interest debt
Choose the debts you want to consolidate such as credit cards, personal loans, or auto loans. Pay them off with your HELOC's lower rate.
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Trovy HELOC for Emergency fund
Build a smarter emergency fund
Financial advisors recommend keeping 3-6 months of expenses in an easily accessible fund. Trovy can help prepare you for peace of mind and whatever comes next.
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Trovy HELOC for Home renovation
Fund your dream renovation
Use your home equity for home improvements. Upgrade your home without draining savings, or refinancing your low-rate mortgage.
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Trovy HELOC for Major purchases
Finance life's big moments
Borrow against your home's equity at rates dramatically lower than other options. Only pay interest on what you use, with flexibility for future needs.
Frequently asked questions
See allWhat makes the Trovy HELOC special?
The Trovy HELOC is the most flexible HELOC on the market. There is no minimum upfront draw so you can draw on your HELOC when you need the funds, and only pay interest on the amount you use. Your HELOC funds are easy to access - you can transfer money to your bank account, request a balance transfer, or use your Trovy Card wherever Mastercard is accepted. If you pay your balance in full each month, you won't owe any interest on your card purchases. You also pay no draw fees when you access your HELOC funds through the Trovy Card. It's a flexible, affordable, and modern borrowing solution for homeowners.
What is the Trovy HELOC Card?
With your Trovy HELOC, you will receive a Trovy Card that you can use to access your line of credit. You can use it for purchases or cash advances anywhere Mastercard is accepted, giving you flexible access to your home equity funds when you need them.
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, and you can use your Trovy Card to take cash out at an ATM. This gives you quick access to your home equity when you need it most. Each cash advance will be subject to a fee of up to 3% of the amount drawn, up to a 5% life of loan cap.
Does Trovy require an upfront draw or charge fees to access my line?
Trovy does not require any upfront draw when you open your HELOC. You can draw funds whenever you need them. While balance transfers and cash advances are subject to a draw fee of up to 3%, there are no draw fees on purchases made with your Trovy Card.
Are Trovy HELOC rates fixed or variable?
The Trovy HELOC starts with a variable rate, but offers you the best of both worlds. You can convert all or part of your balance to a fixed rate, locking in predictable monthly payments for that portion while keeping the flexibility of variable-rate borrowing on your remaining balance. This gives you control over your payment structure as your needs change. You can convert all or a portion of your outstanding HELOC balance at the end of any calendar month, or the full amount of specific purchases, cash advances, or balance transfers.
