Aven HELOC Card: A Credit Card backed by Home Equity

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It’s home equity...
It’s a credit card...
It’s Aven.

It works like a regular Visa^® Credit Card, but taps into your home equity to get you really, really low rates.

NaN% Cash Back Visa^® Credit Card
Get a credit card that earns you unlimited NaN% cash back on every single purchase. Use what you want, when you want.¹

Cash Out To Your Bank
Directly deposit cash from your Aven card to your bank account at the same low rate. No gotchas. Just a NaN% transfer fee.¹

Balance Transfer Other Debt
Transfer your other high-interest credit card or personal loan debt and start saving thousands in unnecessary interest payments. No gimmicks. Pay the same low rate. Just a NaN% transfer fee.¹

Flexible Repayment Options
Only pay for what you use. You can make payments like a regular credit card – a minimum of 1% of the statement balance plus interest. Or for Cash Outs, you also have the option for fixed monthly payments (Aven Simple Loan).⁴

No annual fee.¹
Starting at $0 to get.

Typical home equity products can cost thousands of dollars to originate on top of the weeks-long process. Starting at $0 to get a card and as fast as 15 minutes.

Origination Fee

Annual Fee

Appraisal Fee

Notary Fee

Prepayment Penalty

As fast as 15 minutes from start to finish

Check Offer

Answer a few simple questions to quickly confirm your identity and home. Checking your offer does not affect your credit score.

Confirm Income

A flexible yet simple process to instantly verify your bank account or pay stubs. You pick which works for you. For some this step is automatically calculated.

Schedule Digital Signing

We seamlessly connect you with our notary to sign your documents entirely digitally. Credit approval required.

Save up to 50% interest.
Every month.²

Stop paying thousands a year in interest from your high interest debt, like a credit card or personal loan. See the savings on a $10,000 balance if paying off over 3 years.

Aven

Capital One Platinum

Mid APR

NaN%

30.49%

Monthly

$NaN

$427.20

Total

$NaN

$15,379.35

Unnecessary Interest Paid

$NaN

Aven

Chase Freedom

Mid APR

NaN%

24.62%

Monthly

$NaN

$395.59

Total

$NaN

$14,241.28

Unnecessary Interest Paid

$NaN

Aven

BofA Cash Rewards

Mid APR

NaN%

22.99%

Monthly

$NaN

$387.05

Total

$NaN

$13,933.62

Unnecessary Interest Paid

$NaN

Aven

Capital One Platinum

Chase Freedom

BofA Cash Rewards

Midpoint APR

NaN%

30.49%

24.62%

22.99%

Monthly Payment

$NaN

$427.20

$395.59

$387.05

Total

$NaN

$15,379.35

$14,241.28

$13,933.62

Unnecessary Interest Paid

$NaN

The Unnecessary Interest Paid is the interest we will save you over those banks. Estimate assumes no additional transactions are made and the suggested “monthly” payment is paid every month for 3 years. Paying only the minimum payment of 1% principal & interest increases the “Total” amount paid and will not pay off the balance in 3 years. See Minimum Payment Example for repayment using minimum payment.

The application process was super simple – unlike any other real estate line of credit I have ever applied for.”

Edward Tamayo

Set Dresser

Got approved instantly... And we signed everything electronically with [the notary] on the phone. And I think we’re done in about 15, 20 minutes”.

Al & Jessica

Mortgage Brokers

As featured on

Honestly, if you own a home and have equity or you think you may have it. Its a no brainer. The simplest Home Equity Line you will ever find. From app to finishing took less than 30 mins. I still cant believe it was so easy.

Jacob G

Aven is the bomb!!! As a senior sometimes completing information online can be tedious for us. This is one of the most simplest & fastest application process ever. They provided you with all you need to complete application on line which by the way only took minutes to complete...

Patricia

I am extremely satisfied with the way that my dispute was handled! I was sort of expecting the process to be long and drawn out like it is with other companies. That was not the case at all! My dispute was handled promptly, with feedback and follow through! It didn’t even take 24 hours for a resolution to be reached and in my favor!!! I am very proud to be an Aven customer!

Neil

Get peace of mind

We want to give you the lowest rate, not the fear of using home equity. So we have built-in safeguards to help remove that fear, especially during inevitable life surprises.

Backed By FDIC Insured Bank
We are partnered with Coastal Community Bank, Member FDIC, pursuant to license by Visa USA Inc. You benefit from our innovation, great pricing, and simple convenience with the trust of a traditional FDIC-insured bank.

Built In Safeguards
Tools to keep control over your spend and debt. Every time you purchase, you get an alert on your app. Every time your card is used for a large purchase, your app will get alerts to approve those big purchases.

The card for everything

Broken pipe? Bathroom upgrade? Too much credit card interest? Use what you need, when you need.

P.S. Did you know home improvement projects may be considered tax deductible! Consult a tax advisor regarding the deductibility of interest and charges.

Questions?

What is the Aven Home Card?

Aven is a credit card that lets you use your home equity to get really low rates.

How does it work?

Aven combines the convenience of a credit card with the savings of a home equity line of credit (HELOC). It works like any other credit card where you can make everyday purchases and earn unlimited NaN% cash back.¹

Do you offer a fixed rate?

For Cash Outs, you have the option of fixed monthly payments (Aven Simple Loan). Lock in your payments for 5 or 10 years. One time NaN% fee per cash out applies. Available right in the app.⁴

What is my monthly payment?

Monthly payments work like a standard credit card. It is calculated as 1% of the principal balance, plus monthly interest, plus any fees. See Payment Calculator.

Can I get cash too?

Yes! You can directly deposit cash from your Aven card to your bank account at the same low rate. A NaN% transfer fee applies.¹

Does this affect my credit score?

Checking your offer does not affect your credit score. Only once you schedule with our notary to finalize will we do a hard credit check.

Are there any fees?

We try to reduce as many of the fees as possible. No annual, sign-up, or pre-payment fees. There is a NaN% fee on Cash Outs and Balance Transfers and a $29 late fee if you don’t make the minimum payment.¹

Why is the rate variable?

Similar to other credit cards, the rate is variable. It will vary based on the FFTR-UL as published in the Wall Street Journal, outside Aven's control. As the FFTR-UL shifts up or down, so will the APR on the Aven Card and any other variable-rate credit cards, lines, loans. The FFTR-UL may change several times a year.¹ For Cash Outs we offer fixed monthly payments (Aven Simple Loan). Lock in your monthly payment for 5 or 10 years.⁴

Why not get a traditional home equity line of credit instead?

Home equity lines of credit often come with high fees (usually over $1000), minimum advances, minimum credit limits (often at least $50,000), and take 4-6 weeks to close.³ With Aven, you can get your card in just a few days in the mail, you can use it any number of times for any amount under your limit, with no origination or annual fees. Best of all, you get cash back on your purchases.¹

What are the criteria to qualify for this credit card?

1) Own and have equity in your home. 2) Have an income that can support your monthly bill – we don’t want you to get into debt that you can’t afford. 3) Meet certain credit criteria, including credit score, income, and property value requirements.

Credit card in the front. HELOC in the back.

Starting at $0 to get. Checking your offer will NOT affect your credit score.

Reach out with any questions

The easiest way to get in touch with us is to send us an email.

Send Us a Message