Aven HELOC review 2026
Aven offers a variable-rate HELOC with a starting APR of 7.49%–14.99% APR (variable) on primary residences. It's best for fast-funding, fee-light heloc delivered as a home-equity visa card with cash back, typically wants a credit score of 640 or higher, and lends up to $400,000 at a maximum combined loan-to-value of 89%. Compare it against at least two other lenders before deciding — checking your rate through King of HELOC won't affect your credit.
Aven HELOC at a glance
| Starting APR | 7.49%–14.99% APR (variable) on primary residences |
|---|---|
| Min. credit score | 640 |
| Max. loan | $400,000 |
| Max. CLTV | 89% |
| States | Not available in DE, HI, MA, MO, NV, NY, RI, SC, TX, VT, WV; availability varies by state |
| Best for | Fast-funding, fee-light HELOC delivered as a home-equity Visa card with cash back |
Aven HELOC pros and cons
Pros
- No origination or annual fee; rate-beat guarantee (beats a competing HELOC offer or pays $250)
- Fast closing (about 7 days) and 2% cash back on card draws
Cons
- Delivered as a home-equity Visa card, not a conventional HELOC; 2.5% fee on cash advances and balance transfers
- Online-only with no in-person support; traditional Home Equity Cash option charges a first-draw fee
Who a Aven HELOC is best for
A Aven HELOC is best for fast-funding, fee-light heloc delivered as a home-equity visa card with cash back. To qualify you'll generally need a credit score around 640, a debt-to-income ratio of 43% or less, and enough equity to keep your combined loan-to-value at or below 89%. Strengthen any one of those before applying and you'll unlock better pricing — see our HELOC requirements guide and how to get the best HELOC rate.
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How this review was made (methodology)
Details above are compiled from public sources, including Aven's own published disclosures and third-party reviewers, and were accurate as of 2026-06-28. Rates are variable and change frequently. Ratings shown are third-party scores, attributed to their source — they are not King of HELOC's own ratings, and we don't publish invented ratings, rates, or customer reviews. Always confirm current terms on the lender's site before applying.
How we make money. King of HELOC is a marketing and lead-generation service, not a lender, and is not affiliated with or endorsed by Aven. We may be compensated by lending partners when you're matched with them, which can affect placement but never our editorial standards or the data on this page. All lines are subject to credit approval, income verification, and property valuation.
Compare other HELOC lenders
- Chase HELOC review — moderate lines and second-home helocs
- Bank of America HELOC review — low-fee helocs with intro rate and fixed-rate option
- U.S. Bank HELOC review — borrowers who want fixed-rate locks and no-closing-cost helocs
- See all best HELOC lenders →
Frequently asked questions
Is Aven a good HELOC lender?
Aven is best for fast-funding, fee-light heloc delivered as a home-equity visa card with cash back. Independent reviewers rate it 4.9/5 (Bankrate). As with any HELOC, whether it's the best choice depends on your credit, equity, and state — compare it against at least two other lenders before deciding.
What credit score do you need for a Aven HELOC?
Aven typically looks for a credit score of 640 or higher. The lowest HELOC rates generally go to borrowers with 740+ credit, a low debt-to-income ratio, and a combined loan-to-value at or below 89%.
How much can you borrow with a Aven HELOC?
Aven lends up to $400,000 on a HELOC, subject to a maximum combined loan-to-value of 89% of your home's value minus what you still owe on your mortgage.
What states does Aven offer HELOCs in?
Not available in DE, HI, MA, MO, NV, NY, RI, SC, TX, VT, WV; availability varies by state Availability and terms can change, so confirm on Aven's site before applying.