Hidden Gem
Aven — HELOC Review
Aven's heloc starts at 7.99% APR for qualified borrowers as of June 2026.
APR
7.99%
APR
7.99%
Loan type
HELOC
Term
120 mo
Min credit
640
Origination fee
None
Max amount
$250,000
Overview
Aven offers helocs with APRs starting at 7.99%. HELOC delivered as a credit card.
For June 2026, rates are benchmarked against the Federal Reserve's G.19 release for consumer credit (48-month auto and 24-month personal). Your final APR depends on credit score, income, debt-to-income ratio, and loan term.
No origination fee on this product.
Pros
- +Starting APR of 7.99% is competitive for helocs
- +Transparent fee disclosure
- +120-month term provides predictable payments
Cons
- −Requires 640+ FICO for best rates
- −APR varies by borrower
- −Prequalification may impact your rate quote
How it compares
How we review
We review loans using verified rate data and lender disclosures. Rankings prioritize rate, fees, terms, and institutional safety — not affiliate payout. Read the full methodology.