Borrowing Β· Compare true cost before you sign

Stop paying more than you have to on every payment.

A 1% rate difference on a $30K loan costs $300/year. Compare APR, fees, speed, and qualification fit before you borrow.

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What to compare

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APR, origination fees, speed, and qualification fit often matter as much as the headline rate.

Calculate your monthly payment

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LOAN AMOUNT$400,000
$100,000$1,000,000
EST. MONTHLY PAYMENT
$2,949
AT 8.05% APR

HELOC offer library

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Advertising disclosure: Some products on this page are from partners who compensate SwitchWize when you click or apply. This does not affect our editorial rankings or recommendations. All rates shown are from official provider sources. Read our full disclosure

Live Updates Active Β· 3 offers
Better Mortgage

Figure HELOC

Top pick

β˜… Best for: Competitive rate with easy online access

Figure HELOC stands out for 100% online and 5-day funding.

APR8.05%
Min. amount$0
Fees$0
UpdatedApr 2, 2026
View details
Better Mortgage

Better HELOC

Online Application

β˜… Best for: Competitive rate with easy online access

Better HELOC stands out for online application and no branch visit required.

APR8.40%
Min. amount$0
Fees$0
UpdatedApr 2, 2026
View details
U.S. Bank

U.S. Bank HELOC

Rate Lock Option

β˜… Best for: Competitive rate with easy online access

U.S. Bank HELOC stands out for rate lock option and branch support.

APR8.95%
Min. amount$0
Fees$0
UpdatedApr 2, 2026
View details

Editorial Disclosure: SwitchWize may earn a referral fee when you click through to a partner. This does not affect our rankings, which are based on rate, fees, minimum balance, brand trust, and switching friction. Rates are updated daily.

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How do you rank HELOC?β€Ί
We rank by rate, fees, minimum balance, brand trust, and switching friction. Sponsored products are clearly labeled and do not affect organic rankings.
How often are rates updated?β€Ί
Rates are updated daily from official provider sources and available by 6 AM ET each morning.
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