Create the home you want with the equity you’ve built.
Access up to $250,000 through a HELOC without changing your mortgage rate.1 Trovy makes it fast and easy to fund your renovation on your terms.
Takes 2 minutes • No credit impact5
Your home equity
A HELOC in your wallet to set your project in motion.
-
HELOCs up to $250k with variable rates as low as 6.24% APR1 - Get cash out at a fixed rate as low as 6.99% APR1,12
- Apply in as fast as 4 minutes, funding in as few as 4 days2
- $0 draw fees, instant access with the Trovy HELOC credit card
Trusted and loved by homeowners.
"Great customer service, great terms and flexible heloc terms. Easy and quick loan with the best part being no min draw. This is a great heloc loan company."
"Easy, professional, quick, no hassle. Trovy has the best features, imo. No upfront costs, low APR, no mandatory initial withdrawal, credit card for easy use, all applying and signing was online, and in one day."
"Easy process! It was quick and closed the HELOC the same day via electronic closing."
Let your home equity finance your renovation.
Check your rate in about two minutes and see your real number. No credit impact, no commitment.5
- Traditional credit card
- 22.25% APR
- Trovy HELOC
- 10.32% APR
The Trovy APR shown is the midpoint of our variable APR range of 6.24% to 14.39% as of 08/04/2026, presented with a 0.25% autopay discount; fixed-rate draws range from 6.99% to 14.89% APR. It is not a quote — your actual rate depends on your credit profile, income, property, combined loan-to-value and other factors.1 The traditional credit card APR is the average credit card APR per NerdWallet, as of 10/09/2025.3
Frequently asked questions
See allWhat 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.
There is no minimum upfront draw on lines up to $100,000, so you only pay interest on what you use.
With the Trovy HELOC, you can choose between fixed or variable rate draws.
Trovy 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 for purchases or cash advances 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.
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.
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, and you can use your Trovy HELOC credit card to take cash out at an ATM. We do not offer checks to access your HELOC funds. 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 3.99% of the amount drawn, up to a 5% life of loan cap.
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 can take an upfront draw in the form of a cash advance or balance transfer at closing. You can draw funds whenever you need them.
Does 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.
Ready to unlock your home equity?
Takes 2 minutes to check your rate • No credit impact5