New: The Trovy HELOC is now live in California!
Get the low interest rates of a HELOC with the flexibility and ease of a credit card.
No impact to credit score5
compared to typical credit cards3
to access your funds2
Faster approval. Lower APRs. Lower monthly payments. It's flexible, and tax-deductible when used for home renovation.7 It's a no-brainer.
Low interest rates
Quick process
Flexible use
No min. draw
Bottom line
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
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.
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.
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.
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.
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.
Checking your offer won’t affect your credit score.5
