Aven HELOC Card: A Credit Card backed by Home Equity

We're sorry but Aven doesn't work properly without JavaScript enabled. Please enable it to continue.

Low Variable APRs¹

Home equity rates.
On a credit card.

Get rates like a home equity line of credit but with the simplicity of a credit card. Plus 1.5% unlimited cashback.⁵ Decision in minutes. 100% online.

Play Video

What is it

It’s a HELOC...
It’s a credit card...
It’s Aven.

Home equity has low rates but is complex and can take weeks to close. Credit cards are simple and have great rewards but have high interest rates. We combined the best of both to build the only home equity backed credit card.

Home Equity Rates
Get the low rates of a homeowner with equity, including the ability to Cash Out. Plus, it’s done really, really fast, all online.

Credit Card Simplicity & Rewards
Get the power of a Visa credit card, a simple app, and cashback rewards. Plus, the ease of paying it back like a credit card.

What homeowners
say about us.

Can’t believe everything, from start to finish, took place in couple hours. In my case, it probably took more time because of a technical glitch on my side. Initially I liked Aven’s idea but was skeptical, but later I fell In love with it after I saw their process and approach in delivering what they promise. To me getting a HELOC approval in couple hours is like recent space trips taken by Branson and Bezos... that are quick, accurate, and fascinating. The astonishing part is the virtual notary. When everything is online in this digital age, why not notary? Thanks to technology and Aven. HELOC approval is no longer a painful process.

Vasu
California

Aven is amazing. They stand by their commitment to offer best rates. They offered me a great rate to start with, but then they matched me with a better rate without any hassles. Highly recommend it.

Mynor
California

I was skeptical about this product after going to banking institutions. Aven is the real deal, they are honest and they answered all my questions and addressed my concerns. The process took less than 1 day. Jag and Camille went over and beyond. No hidden agendas and no fine print. Def recommend Aven.

Mary
California

As featured on

How it works

Qualify in seconds. Close in minutes.
$0 to get.

As fast as 15 minutes from start to close, all from the comfort of your home.

Check Offer

Check Offer
Answer a few simple questions to quickly confirm your identity and home.
Confirm Income
A flexible yet simple process to instantly verify your bank account, pay stubs, or bank statements. You pick which one works for you.
Sign Documents
Simply and easily connect with our notary to sign your documents entirely digitally.

Check Offer

Savings

Save up to 50% on monthly interest²

Stop paying thousands a year in interest from your high-interest debt, like a credit card or personal loan. You could save 50% on interest alone.²

Others vs. Aven

Reduce interest by up to 50%². See what you could save on a $10,000 balance if you're trying to pay it off over 3 years.

Capital One Platinum³

Aven

Mid APR
Monthly
Total
Monthly Interest

26.99%
$408.20
$14,695.15
$130.42

7.99%
$313.32
$11,279.43
$35.54

Estimate assumes no additional transactions are made and the suggested “monthly” payment is paid every month for 3 years. Paying only the min payment of 1% principal & interest increases the “Total” amount paid and will not pay off the balance in 3 years. See Min Payment Example for repayment using min payment.

Fixed Payments

Fixed monthly payment option

For Balance Transfers and Cash Outs, you have the flexibility and option of predictable monthly payments using a fixed monthly payment.

Community Stats

See how homeowners have saved recently⁶

With our low rates and 1.5% unlimited cashback, Aven customers are savings and earning hundreds of dollars every month.⁵

Home
Improvement

An Aven customer gained $165 in cashback at Home Depot with a $11,000 purchase.

Balance
Transfer

Recently a family is saving $3,777 a year on their credit card bill by balance transferring to Aven.⁶

Booking a
Trip

A recent Aven traveler spent $2,000 on a wonderful AirBnB vacation.

Unlimited
Cashback

An Aven customer received $176 in cashback recently from an $11,700 purchase.

Unlimited
Cashback

An Aven customer received $176 in cashback recently from an $11,700 purchase.

Home
Improvement

An Aven customer gained $165 in cashback at Home Depot with a $11,000 purchase.

Balance
Transfer

Recently a family is saving $3,777 a year on their credit card bill by balance transferring to Aven.⁶

Limits

Up to $100K

Get the benefits of a high credit limit with the flexibility to only use what you need. Starting at $5K.

Home Equity

Easiest way to use home equity.

Using your home as collateral, like a mortgage, we can get you home equity rates in as fast as 15 minutes and entirely online.

Cash Back

1.5% unlimited cashback on all purchases ⁵

Earn unlimited 1.5% cashback on every single purchase on your Aven card.

Fees

$0 to get.
No origination fee.¹

We try to avoid as many fees as possible to keep things simple.

Visa Card

All the benefits of a credit card

As cheap as home equity, and as simple as a credit card. It’s both!

Visa Card & Network
Accepted Globally
US-based Customer Service
Simple Web & Mobile Apps

Home Improvement

Perfect for home improvements

Broken pipe? Bathroom upgrade? Use our fast and simple access to your home equity to start that home improvement project you have wanted to do. Big or small.

Tax Savings

Deduct interest on your home projects

Did you know home improvement projects may be considered tax deductible! Consult a tax advisor regarding the deductibility of interest and charges.

Cash-Out

Send Cash to Your Bank

Directly deposit cash from your Aven card to your bank account at the same low rate. Some charges may apply¹

About Us

New technology.
Partnered with a
bank and Visa.

We are partnered with Coastal Community Bank, member FDIC, pursuant to license by VISA USA Inc. You benefit from our innovation, great pricing, and simple convenience with the trust of a traditional FDIC-insured bank and the Visa network.

FAQ

Reach out with any questions

Send us a text at 1 (415) 582-6613 or email us at support@aven.com

Send Us a Text Message

Join

Check offers

Aven

Resources

1. APR (Annual Percentage Rate) is the cost of credit as a yearly rate and does not include costs other than interest. It is a variable rate based on the Prime Rate plus a margin that doesn't change. The Prime Rate is the highest prime rate published in The Wall Street Journal "Money Rates" table (the "Index"). The Index as of August 3, 2021 is 3.25%. Your initial APR is based on your creditworthiness when you open your account. The maximum APR will not exceed 18% during the life of your account. Cash Out (draw to bank account) fee and Balance Transfer fee is 2% of amount transferred.

AutoPay Discount of 0.25% is offered to new cardholders only. You are not required to sign-up for Autopay. To keep the discounted rate, you must enroll in AutoPay by the end of your first billing cycle, or APR will increase by 0.25%. Unenrolling from AutoPay will increase your APR. Aven reserves the right to terminate the AutoPay Discount program for unenrolled cardholders at anytime and without notice.

2. Our APR is 3.49-10.99%. The average for other cards in the US for people with good credit is over 19% APR. (Source: "What is the average credit card rate?" https://wallethub.com/edu/cc/average-credit-card-interest-rate/50841/) wallethub.com on 7.13.21, showing the average rate for credit cards in the US for people with good credit is 19.49% APR.

3. These comparison charts use the midpoint of each card's APR range. Sources: Capital One Platimum, Chase Freedom, Bank of America Cash Rewards Card

4. Source: "Home Equity Loan Rates" https://www.bankrate.com/home-equity/home-equity-loan-rates/. Source: "How Long Do I Need to Wait for a Home Equity Line?" https://homeguides.sfgate.com/long-need-wait-home-equity-line-88547.html. Source: “Average Credit Card Limit” https://turbo.intuit.com/blog/credit-cards/average-limit-4991/ . Source: “What’s a Good Personal Loan Interest Rate?” https://www.experian.com/blogs/ask-experian/whats-a-good-interest-rate-for-a-personal-loan/. Source: “Personal Loan Statistics” https://www.lendingtree.com/personal/personal-loans-statistics/. Source: “2019 Credit Fee Study: What is Normal?” https://creditcards.usnews.com/articles/fee-survey. Source: “What to know about personal loan origination fees” https://www.creditkarma.com/personal-loans/i/personal-loan-origination-fees.

5. Applies to valid purchases (net of refunds or returns) made using the Aven card, and does not apply to non-card transactions, including balance transfers, cash-outs or reward redemptions. Cashback is accumulated as points and redeemable as statement credit. Refer to Rewards Terms & Conditions.

6. Based on transferring $45,735 from a 14% APR personal loan (estimated APR from monthly payments on bureau data) to a 5.74% APR Aven Card. Assumes outstanding balances remains the same throughout the year.

Subject to credit approval. Certain terms and conditions may apply. Terms may vary by applicant and are subject to change. Not available for properties located in Special Flood Hazard Areas. Only available to US residents whose primary residence is in California. No 3rd lien positions. Not available for multi-unit homes.

Aven is a service mark and registered DBA of Aven Financial, Inc. Aven reserves the right to modify or discontinue its products or offerings at any time without notice.

The Aven Card is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. NMLS #462289 (NMLS Consumer Access Page)

Aven cards are arranged by Aven Financial, Inc., a real estate broker licensed by the California Department of Real Estate. License #02128983, NMLS #2042345. Responsible broker Anthony Smernes, Jr., license #00477863.

330 Primrose Road Suite 412,
Burlingame, CA 94010

1 (888) 966-4655
support@aven.com

Equal Housing Opportunity, PCI Compliant

We're sorry but Aven doesn't work properly without JavaScript enabled. Please enable it to continue.

Low Variable APRs¹

Home equity rates.
On a credit card.

Get rates like a home equity line of credit but with the simplicity of a credit card. Plus 1.5% unlimited cashback.⁵ Decision in minutes. 100% online.

Play Video

What is it

It’s a HELOC...
It’s a credit card...
It’s Aven.

Home equity has low rates but is complex and can take weeks to close. Credit cards are simple and have great rewards but have high interest rates. We combined the best of both to build the only home equity backed credit card.

Home Equity Rates
Get the low rates of a homeowner with equity, including the ability to Cash Out. Plus, it’s done really, really fast, all online.

Credit Card Simplicity & Rewards
Get the power of a Visa credit card, a simple app, and cashback rewards. Plus, the ease of paying it back like a credit card.

What homeowners
say about us.

Vasu
California

Aven is amazing. They stand by their commitment to offer best rates. They offered me a great rate to start with, but then they matched me with a better rate without any hassles. Highly recommend it.

Mynor
California

Mary
California

As featured on

How it works

Qualify in seconds. Close in minutes.
$0 to get.

As fast as 15 minutes from start to close, all from the comfort of your home.

Check Offer

Check Offer
Answer a few simple questions to quickly confirm your identity and home.
Confirm Income
A flexible yet simple process to instantly verify your bank account, pay stubs, or bank statements. You pick which one works for you.
Sign Documents
Simply and easily connect with our notary to sign your documents entirely digitally.

Check Offer

Savings

Save up to 50% on monthly interest²

Stop paying thousands a year in interest from your high-interest debt, like a credit card or personal loan. You could save 50% on interest alone.²

Others vs. Aven

Reduce interest by up to 50%². See what you could save on a $10,000 balance if you're trying to pay it off over 3 years.

Capital One Platinum³

Aven

Mid APR
Monthly
Total
Monthly Interest

26.99%
$408.20
$14,695.15
$130.42

7.99%
$313.32
$11,279.43
$35.54

Fixed Payments

Fixed monthly payment option

For Balance Transfers and Cash Outs, you have the flexibility and option of predictable monthly payments using a fixed monthly payment.

Community Stats

See how homeowners have saved recently⁶

With our low rates and 1.5% unlimited cashback, Aven customers are savings and earning hundreds of dollars every month.⁵

Home
Improvement

An Aven customer gained $165 in cashback at Home Depot with a $11,000 purchase.

Balance
Transfer

Recently a family is saving $3,777 a year on their credit card bill by balance transferring to Aven.⁶

Booking a
Trip

A recent Aven traveler spent $2,000 on a wonderful AirBnB vacation.

Unlimited
Cashback

An Aven customer received $176 in cashback recently from an $11,700 purchase.

Unlimited
Cashback

An Aven customer received $176 in cashback recently from an $11,700 purchase.

Home
Improvement

An Aven customer gained $165 in cashback at Home Depot with a $11,000 purchase.

Balance
Transfer

Recently a family is saving $3,777 a year on their credit card bill by balance transferring to Aven.⁶

Limits

Up to $100K

Get the benefits of a high credit limit with the flexibility to only use what you need. Starting at $5K.

Home Equity

Easiest way to use home equity.

Using your home as collateral, like a mortgage, we can get you home equity rates in as fast as 15 minutes and entirely online.

Cash Back

1.5% unlimited cashback on all purchases ⁵

Earn unlimited 1.5% cashback on every single purchase on your Aven card.

Fees

$0 to get.
No origination fee.¹

We try to avoid as many fees as possible to keep things simple.

Visa Card

All the benefits of a credit card

As cheap as home equity, and as simple as a credit card. It’s both!

Visa Card & Network
Accepted Globally
US-based Customer Service
Simple Web & Mobile Apps

Home Improvement

Perfect for home improvements

Broken pipe? Bathroom upgrade? Use our fast and simple access to your home equity to start that home improvement project you have wanted to do. Big or small.

Tax Savings

Deduct interest on your home projects

Did you know home improvement projects may be considered tax deductible! Consult a tax advisor regarding the deductibility of interest and charges.

Cash-Out

Send Cash to Your Bank

Directly deposit cash from your Aven card to your bank account at the same low rate. Some charges may apply¹

About Us

New technology.
Partnered with a
bank and Visa.

We are partnered with Coastal Community Bank, member FDIC, pursuant to license by VISA USA Inc. You benefit from our innovation, great pricing, and simple convenience with the trust of a traditional FDIC-insured bank and the Visa network.

FAQ

Reach out with any questions

Send us a text at 1 (415) 582-6613 or email us at support@aven.com

Send Us a Text Message

Join

Check offers

Aven

Resources

3. These comparison charts use the midpoint of each card's APR range. Sources: Capital One Platimum, Chase Freedom, Bank of America Cash Rewards Card

Aven is a service mark and registered DBA of Aven Financial, Inc. Aven reserves the right to modify or discontinue its products or offerings at any time without notice.

The Aven Card is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. NMLS #462289 (NMLS Consumer Access Page)

330 Primrose Road Suite 412,
Burlingame, CA 94010

1 (888) 966-4655
support@aven.com

We're sorry but Aven doesn't work properly without JavaScript enabled. Please enable it to continue.

Low Variable APRs¹

Home equity rates.
On a credit card.

Get rates like a home equity line of credit but with the simplicity of a credit card. Plus 1.5% unlimited cashback.⁵ Decision in minutes. 100% online.

Play Video

What is it

It’s a HELOC...
It’s a credit card...
It’s Aven.

Home equity has low rates but is complex and can take weeks to close. Credit cards are simple and have great rewards but have high interest rates. We combined the best of both to build the only home equity backed credit card.

Home Equity Rates
Get the low rates of a homeowner with equity, including the ability to Cash Out. Plus, it’s done really, really fast, all online.

Credit Card Simplicity & Rewards
Get the power of a Visa credit card, a simple app, and cashback rewards. Plus, the ease of paying it back like a credit card.

What homeowners
say about us.

Vasu
California

Aven is amazing. They stand by their commitment to offer best rates. They offered me a great rate to start with, but then they matched me with a better rate without any hassles. Highly recommend it.

Mynor
California

Mary
California

As featured on

How it works

Qualify in seconds. Close in minutes.
$0 to get.

As fast as 15 minutes from start to close, all from the comfort of your home.

Check Offer

Check Offer
Answer a few simple questions to quickly confirm your identity and home.
Confirm Income
A flexible yet simple process to instantly verify your bank account, pay stubs, or bank statements. You pick which one works for you.
Sign Documents
Simply and easily connect with our notary to sign your documents entirely digitally.

Check Offer

Savings

Save up to 50% on monthly interest²

Stop paying thousands a year in interest from your high-interest debt, like a credit card or personal loan. You could save 50% on interest alone.²

Others vs. Aven

Reduce interest by up to 50%². See what you could save on a $10,000 balance if you're trying to pay it off over 3 years.

Capital One Platinum³

Aven

Mid APR
Monthly
Total
Monthly Interest

26.99%
$408.20
$14,695.15
$130.42

7.99%
$313.32
$11,279.43
$35.54

Fixed Payments

Fixed monthly payment option

For Balance Transfers and Cash Outs, you have the flexibility and option of predictable monthly payments using a fixed monthly payment.

Community Stats

See how homeowners have saved recently⁶

With our low rates and 1.5% unlimited cashback, Aven customers are savings and earning hundreds of dollars every month.⁵

Home
Improvement

An Aven customer gained $165 in cashback at Home Depot with a $11,000 purchase.

Balance
Transfer

Recently a family is saving $3,777 a year on their credit card bill by balance transferring to Aven.⁶

Booking a
Trip

A recent Aven traveler spent $2,000 on a wonderful AirBnB vacation.

Unlimited
Cashback

An Aven customer received $176 in cashback recently from an $11,700 purchase.

Unlimited
Cashback

An Aven customer received $176 in cashback recently from an $11,700 purchase.

Home
Improvement

An Aven customer gained $165 in cashback at Home Depot with a $11,000 purchase.

Balance
Transfer

Recently a family is saving $3,777 a year on their credit card bill by balance transferring to Aven.⁶

Limits

Up to $100K

Get the benefits of a high credit limit with the flexibility to only use what you need. Starting at $5K.

Home Equity

Easiest way to use home equity.

Using your home as collateral, like a mortgage, we can get you home equity rates in as fast as 15 minutes and entirely online.

Cash Back

1.5% unlimited cashback on all purchases ⁵

Earn unlimited 1.5% cashback on every single purchase on your Aven card.

Fees

$0 to get.
No origination fee.¹

We try to avoid as many fees as possible to keep things simple.

Visa Card

All the benefits of a credit card

As cheap as home equity, and as simple as a credit card. It’s both!

Visa Card & Network
Accepted Globally
US-based Customer Service
Simple Web & Mobile Apps

Home Improvement

Perfect for home improvements

Broken pipe? Bathroom upgrade? Use our fast and simple access to your home equity to start that home improvement project you have wanted to do. Big or small.

Tax Savings

Deduct interest on your home projects

Did you know home improvement projects may be considered tax deductible! Consult a tax advisor regarding the deductibility of interest and charges.

Cash-Out

Send Cash to Your Bank

Directly deposit cash from your Aven card to your bank account at the same low rate. Some charges may apply¹

About Us

New technology.
Partnered with a
bank and Visa.

We are partnered with Coastal Community Bank, member FDIC, pursuant to license by VISA USA Inc. You benefit from our innovation, great pricing, and simple convenience with the trust of a traditional FDIC-insured bank and the Visa network.

FAQ

Reach out with any questions

Send us a text at 1 (415) 582-6613 or email us at support@aven.com

Send Us a Text Message

Join

Check offers

Aven

Resources

3. These comparison charts use the midpoint of each card's APR range. Sources: Capital One Platimum, Chase Freedom, Bank of America Cash Rewards Card

Aven is a service mark and registered DBA of Aven Financial, Inc. Aven reserves the right to modify or discontinue its products or offerings at any time without notice.

The Aven Card is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. NMLS #462289 (NMLS Consumer Access Page)

330 Primrose Road Suite 412,
Burlingame, CA 94010

1 (888) 966-4655
support@aven.com