Real rates. Built-in flexibility.
See your personalized rates and find out how much you qualify for with a few simple questions.
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No intro or teaser rates -
0.25% rate discount when you sign up for AutoPay
- Enjoy HELOC rates - on a card
Takes 90 seconds • No credit impact5
Today's HELOC Rates
Rate type
APR Range
Variable1
5.99%–14.39%
Fixed1
6.74%–14.89%
Rates as of 07/08/2026. Your actual rates are dependent on credit score, DTI, and home equity (CLTV) and other underwriting factors.
One HELOC. Fixed and variable rates.
- Traditional HELOCs make you choose one rate type. Trovy doesn't.
- You choose, draw by draw. Lock in a fixed rate when you want certainty, leave others variable.
- One line, total flexibility. Pay it back on your terms.
How does Trovy determine my rate?
Your credit score
Your HELOC rate is primarily based on your credit score, debt-to-income ratio, and combined loan-to-value ratio.
Your home value
Your combined loan-to-value (CLTV) ratio includes all liens on your property, including your Trovy HELOC.
Your debt vs. income
Your debt-to-income ratio compares outstanding debt payments, including for a Trovy HELOC, against gross monthly income.
Learn more about HELOC eligibility criteria here.
With Trovy SmartPay™, customers get approved for more–and save on interest.
Our SmartPay feature lets you refinance multiple external debts such as personal loans, credit cards, or auto loans through your Trovy HELOC, and that refinanced debt is no longer counted in your DTI calculation–which improves your HELOC offer.
Frequently asked questions
See allDoes Trovy offer a fixed rate?
Yes! The Trovy HELOC lets you choose between fixed and variable rates when you send cash to your bank account or consolidate debt with Trovy. If you choose a fixed rate of interest, you can also choose your repayment term, ranging from 1 year to up to 25 years. To give you even more flexibility, you can also convert any outstanding variable rate balances and draws to a fixed rate with Trovy FixedPay.
How does the variable rate on a Trovy HELOC work?
Your APR is calculated by adding a margin to an interest rate index, which is the highest domestic Prime Rate published in The Wall Street Journal's Money Rates section. Your APR can change anytime the Index changes, with no limits on how frequently changes can occur or the amount of each change. However, your APR is capped at a maximum of 18% and has a floor of 5%. The APR reflects interest costs only and does not include other fees or charges associated with your HELOC. If you're looking for fixed payments, you can take cash out or consolidate debt at a fixed rate, over a repayment period of your choosing. We also give you the additional flexibility to request to convert a variable rate draw or balance to a fixed-rate monthly installment plan with Trovy FixedPay.
How does FixedPay work?
Trovy FixedPay allows you to convert eligible variable rate draws to a fixed rate of interest, at a repayment period of your choosing, which can range from 1 to 25 years.
Will checking my rate affect my credit score?
No, checking your rate with Trovy will not affect your credit score. We perform a soft credit inquiry, which is only visible to you and does not affect your score. However, submitting a full application will trigger a hard inquiry, which may affect your credit score. We will disclose to you on the application when the hard inquiry will be performed and obtain your permission before doing so.