# Trovy

> Trovy offers a home equity line of credit (HELOC) with credit card access for eligible U.S. homeowners. Variable APRs range from 6.49% to 14.64% as of 09/21/2026, with credit lines up to $250,000.

Trovy charges $0 origination fees and $0 draw fees on Trovy HELOC credit card purchases. Balance transfers and cash advances have draw fees of up to 2.99% and 2.99%, respectively, subject to a 5% life-of-loan cap. Product availability: AL, AR, AZ, CA, CO, FL, IA, ID, IL, IN, KS, MI, MN, MS, NC, NE, NJ, NM, OH, OK, OR, PA, TN, UT, VA, WA, and WI. Rates, eligibility, terms, and availability can change; use the rates and disclosure pages below as the authoritative sources.

## Product

- [Trovy home](https://trovy.com/): Overview of Trovy and its home equity credit products.
- [Trovy HELOC credit card](https://trovy.com/trovy-card): Product features, access methods, fees, and application details.
- [Rates](https://trovy.com/rates): Current variable and fixed APR ranges and rate information.
- [Rewards](https://trovy.com/rewards): Trovy HELOC credit card rewards and benefits.
- [Payment calculator](https://trovy.com/paymentcalculator): Estimate HELOC payments using loan amount, rate, and term.

## Use cases

- [Debt consolidation](https://trovy.com/use-cases/debt-consolidation): Using home equity to consolidate higher-interest debt.
- [Home renovation](https://trovy.com/use-cases/home-renovation): Financing renovation and improvement projects.
- [Emergency fund](https://trovy.com/use-cases/emergency-fund): Maintaining access to home equity for unexpected expenses.
- [Major purchases](https://trovy.com/use-cases/major-purchases): Financing large planned expenses with a HELOC.

## Compare and learn

- [Trovy vs. Aven](https://trovy.com/trovy-vs-aven): Comparison of draw periods, fees, rates, payments, and rewards.
- [Trovy vs. a traditional bank](https://trovy.com/trovy-vs-bank): Comparison of application speed, funding, access, rewards, and fees.
- [Frequently asked questions](https://trovy.com/faqs): Answers about HELOCs, eligibility, rates, fees, access, and repayment.

## Optional

- [Insights](https://trovy.com/insights): Educational articles about home equity and borrowing.
- [Company](https://trovy.com/company): Information about Trovy.
- [Press](https://trovy.com/press): Trovy press coverage and company news.
- [Card disclosures](https://trovy.com/card-disclosures): Important rates, charges, and card disclosures.
- [Licenses](https://trovy.com/licenses): State licensing and regulatory information.
- [Privacy policy](https://trovy.com/privacy-policy): How Trovy collects, uses, and protects personal information.