Best PA HELOC RatesPennsylvania Home Equity Line of Credit Rates

Compare home equity line of credit (HELOC) rates in Pennsylvania

(Last Updated: 01/23/2025)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
6.990% Intro APR
6.990% After Intro PeriodIntro Period: 0 months		 6.990% Rate $0 Min. Initial Draw Amount
Conditions:
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
  • Third Federal rate are typically 20% lower than other leaders
  • Guaranteed Lowest Rate
  • No closing costs, prepayment penalties, or minimum draw requirements
  • 10 year draw period
8.750% Intro APR
8.750% After Intro PeriodIntro Period: 0 months		 8.750% Rate $25,000 Min. Initial Draw Amount
Conditions:
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
  • Apply in 5 minutes, get your money in as fast as 5 days.
  • Digital application experience.
  • Funds directly to your bank account.
  • No in-person appraisal needed.
Home Equity Line of Credit - Equal Housing Lender
Conditions:
Interest-only payments during the 10-year draw period
  • Home Equity Line of Credit - Equal Housing Lender
  • Loans Amounts from $25,000 - $500,000
  • Get a HELOC from PenFed to Put Your Home Equity to Work
  • HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans
Get cash now in exchange for a percentage of your homes future equity.
Conditions:
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
  • No monthly payments or interest charges
  • Minimum Credit score: 500
  • Access up to $500k
  • No need to refinance
No Lender Fees
Conditions:
HELOC, HELOAN or CASHOUT REFI all available.
  • No Lender Fees
  • Fast
  • Easy
  • Over 20 Years Experience
HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online.
Conditions:
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
  • Fastest way to turn home equity into cash
  • Flexible terms, redraw up to 100%, borrow $20k-$400k
  • Approval in as little as 5 minutes. Funding in as few as 5 days.
  • Use to consolidate debt or finance your next home project
As low as 8.25% APR on your initial draw*
Conditions:
1. APRs for initial advances range from 8.25% to 18.00% based on funded HELOCs as of September 2024. Your actual rate will depend on many factors such as your credit history, loan-to-value ratio, line amount, loan term, lien position, and property state. The lowest rates are only available to the most qualified applicants. The APR is variable, but the APR that will apply to each draw will be fixed on the date the draw is made. 2. As of October 2024, 10% of funded HELOCs achieved a closing timeline of 6 days or less and a funding timeline of 10 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days. 3. A Home Equity Line of Credit has a variable rate. The APR may change, but the APR that will apply to each draw will be fixed on the date the draw is made. Your APR will be the Prime Rate at the time of draw plus a margin fixed for the life of the HELOC.
  • As low as 8.25% APR on your initial draw*
  • Get your money up to 5x faster than the industry standard*
  • Fixed rate on each draw*
  • No paperwork needed to apply
Cash-Out and Home Equity Options Available.
Conditions:
Cash-Out and Home Equity Options Available.
  • Home Improvement, Buy a Vacation Home
  • 303k+ positive reviews, A rating from the BBB
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available
Home Equity Loans & Refinance – Cash out
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
  • Home Equity Loans & Refinance – Cash out
  • Customized rate quote with no impact to credit
  • Low Rates, Quick Approvals, Wide Range of Products
  • Over 100 Billion Funded. 22 Years in Business
"Unlock Your Home's Potential"
Conditions:
Please note that the interest rates offered are subject to change based on market conditions and borrower eligibility. The pricing and rate provided are accurate as of the specified date. It is important to be aware that the minimum loan amount for any loan program is $50,000. The specific amount and terms of the credit offer will be determined based on underwriting approval and guidelines, which include factors such as your credit history, your ability to make payments, and the available equity in your home. To qualify for this offer, you must meet the required criteria and demonstrate creditworthiness. Additionally, providing up to two years of income verification may be necessary. The severity of your credit may also impact the required down payment. It is crucial to understand that the lender reserves the right to cancel this offer if the provided information cannot be verified. Please note that all bankruptcies must be discharged in order to be eligible. This offer is nontransferable and is specifically available for single-family residences or owner-occupied condominiums. Please be aware that mobile homes and cooperatives are not included in this offer. It is important to note that the lender must hold a valid first lien position, and property hazard insurance is a requirement. These are some key details to consider when evaluating this offer. It is essential to thoroughly review the terms and conditions and seek clarification from the lender regarding any specific questions or concerns you may have before proceeding with the application process.
  • Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
  • Unlock Your Home's Value: Discover the Power of our Online HELOC!
  • Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
  • Secure Your Future: Experience the Ease of our Fixed Home Equity Loans
Open a line of credit of up to $500,000
Conditions:
Open a line of credit of up to $500,000. Borrow from this credit line at any time over the next 10 years. Pay interest and principal on only the amount you borrow. No points , No appraisal fees , No closing costs
  • Open a line of credit of up to $500,000
  • Borrow from this credit line at any time over the next 10 years
  • Lock in a low rate of 6.5% up to 80% LTV for Year
  • After 12 months rate will only increase to the current Prime Rate!
The leader for homeowners tapping cash from their homes since 2016.
Conditions:
About Spring EQ’s Rates and Terms Spring EQ LLC NMLS ID #1464945 (nmlsconsumeracces.org). No prepayment penalty. No need to refinance your first mortgage. Closed-end fixed rate loans and fixed and adjustable rate HELOC options are available. Spring EQ is an Equal Housing Lender. These results are for informational purposes only. This offer is an invitation to apply for an offer for credit or a loan and should not be construed as an indication of eligibility or a binding underwriting decision. Rates are subject to change based on market conditions and the entries of your specific application. All loans are subject to $995 origination fee and annual fee of $99 (except in certain states, where fees may be lower or not applicable), plus third-party fees. Monthly payment shown reflects monthly principal and interest amortized over the term of the loan based on the initial draw amount. Spring EQ applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Any pre-qualification or result is in no way a pre-approval, indication of eligibility, or binding underwriting decision. All borrowers are required to meet Spring EQ's current underwriting guidelines including verifications of applicant’s credit profile and property value, $25,000 initial draw requirement OR 75% of the line amount (whichever is greater), a FICO score of 640 or greater, and a debt-to-income ratio of less than 50%. Actual rate and APR for qualified borrowers will be determined by a combination of factors, including their creditworthiness as determined by a single credit bureau pull, loan amount requested, property value, and more. In addition to these, other factors specific to applicants' profile and Spring EQ's Underwriting Guidelines may impact rate and eligibility. Offers subject to origination fees based on loan type and property state.
  • Access up to 90% of your home's equity, up to a maximum of $500,000.
  • FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
  • A fixed rate for life- no need to worry about fluctuating rates.
  • We make it easy - and fast - to access your cash (as little as 11 days).
8.250% APR 8.250% Rate $0 Min. Initial Draw Amount
4.990% Intro APR
6.740% After Intro PeriodIntro Period: 6 months		 6.740% Rate $0 Min. Initial Draw Amount
4.350% Intro APR
7.750% After Intro PeriodIntro Period: 6 months		 7.750% Rate $0 Min. Initial Draw Amount
6.740% APR 6.740% Rate $0 Min. Initial Draw Amount
7.250% APR 7.250% Rate $0 Min. Initial Draw Amount
8.340% APR 8.340% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.850% After Intro PeriodIntro Period: 12 months		 8.850% Rate $25,000 Min. Initial Draw Amount
10.750% APR 10.750% Rate $0 Min. Initial Draw Amount
7.740% APR 7.740% Rate $40,000 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
7.940% APR 7.940% Rate $0 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
3.990% Intro APR
7.500% After Intro PeriodIntro Period: 6 months		 7.500% Rate $0 Min. Initial Draw Amount
6.250% Intro APR
7.250% After Intro PeriodIntro Period: 6 months		 7.250% Rate $50,000 Min. Initial Draw Amount
6.740% APR 6.740% Rate $0 Min. Initial Draw Amount
7.000% APR 7.000% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
6.000% Intro APR
8.250% After Intro PeriodIntro Period: 6 months		 8.250% Rate $0 Min. Initial Draw Amount
8.500% APR 8.500% Rate $0 Min. Initial Draw Amount
9.500% APR 9.500% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
5.500% Intro APR
7.750% After Intro PeriodIntro Period: 6 months		 7.750% Rate $0 Min. Initial Draw Amount
7.000% Intro APR
7.240% After Intro PeriodIntro Period: 12 months		 7.240% Rate $0 Min. Initial Draw Amount
1.990% Intro APR
8.500% After Intro PeriodIntro Period: 6 months		 8.500% Rate $0 Min. Initial Draw Amount
6.490% APR 6.490% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
4.990% Intro APR
7.500% After Intro PeriodIntro Period: 3 months		 7.500% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
7.260% After Intro PeriodIntro Period: 6 months		 7.260% Rate $0 Min. Initial Draw Amount
3.990% Intro APR
7.740% After Intro PeriodIntro Period: 3 months		 7.740% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.400% After Intro PeriodIntro Period: 6 months		 8.400% Rate $100,000 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
6.490% Intro APR
7.750% After Intro PeriodIntro Period: 6 months		 7.750% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
7.750% Intro APR
8.000% After Intro PeriodIntro Period: 36 months		 8.000% Rate $0 Min. Initial Draw Amount
8.500% APR 8.500% Rate $0 Min. Initial Draw Amount
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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