Ratespedia LLC
(855) 942-RATE

Ratespedia Home Equity Line of Credit

Your house has equity. Put it to work.

An instant, automated HELOC application. Start to finish, on your own. No waiting. No appointment. No "please hold."

Talk to a human if you want to, but you will not need to.

We don't keep banking hours

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Open right now. Start whenever it suits you, including nights, Sundays, and holidays.

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100% online
Apply and finish on your own
No Loan Officer Required
Self-service, start to finish
Open 24/7
Yes, even at 2 a.m.
$5K - $400K
HELOC, 5.99%-14.99% Fixed APR

We don't keep banking hours

LoadingChecking your local clock

Open right now. Start whenever it suits you, including nights, Sundays, and holidays.

Detecting local time

Start here

Let's get you an offer.

Just the basics below. A valid submission takes you straight into your self-service application. No callback, no waiting on anyone.

Consent disclosure

By clicking "Submit Information", you are providing your electronic signature that you agree to the Privacy Policy and Terms of Use which includes consent to receive notices and other communications electronically, binding arbitration and class action waiver. You are providing express written consent for Ratespedia LLC and its Platform Partners and/or parties calling on our or their behalf to contact you regarding Financial Services and related Home Services via calls and/or text at the phone number provided regarding loan products and application status using any automated or automatic telephone dialing device or system, prerecorded/artificial voice and/or artificial intelligence. Data & message rates may apply, messaging frequency varies: Text HELP for help; STOP to cancel. Even if your telephone number is listed on any state or federal Do-Not-Call registry. This consent will not be shared with third parties for their marketing purposes. You may revoke this consent anytime and consent is not required as a condition to speak with someone. Please call 855-942-7283. Print, save or download this screen using your computer or device and web browser to retain a copy of this consent.

Basic info only. You will be redirected to your application on a valid submission.

100% online
Apply and finish on your own
No Loan Officer Required
Self-service, start to finish
Open 24/7
Yes, even at 2 a.m.
$5K - $400K
HELOC, 5.99%-14.99% Fixed APR

What homeowners do with it

Your equity. Your call.

Consolidate the cards, fix the thing you have been ignoring, or finally build the thing you have been putting off. It is your equity. We just make it easier to reach.

Pay off the cards.

Consolidate higher-interest debt into one place, and try not to fill them again.

New kitchen. Same cooking.

Put your equity toward the upgrades you have been putting off.

Replace the roof.

For the big projects you cannot exactly ignore.

Build the pool.

The backyard you have been wanting. Flamingo float optional.

Get the HELOC. Buy the boat.

Make the most of what matters now. Blame us later.

Whatever's next.

It is a line of credit. Draw what you need, when you need it.

Good questions

The stuff you are probably wondering.

No. The whole path is self-service and automated, start to finish, on your own. Prefer to talk to a human? Call us at (855) 942-RATE.