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  1. The annual percentage rate (“APR”) is the cost of credit as a yearly rate and does not include costs other than interest. The APR is a variable rate based on the Wall Street Journal prime rate (“Index”) published by the Wall Street Journal in its Money Rates section. The WSJ Prime Rate as of Sep 22nd, 2026 EST is 7.00%. Your initial APR is based on a margin, determined by your creditworthiness when you open your account, plus the Index at the time of application. Your APR is subject to change as allowed by applicable law. Best rates available only to the highest-qualified borrowers. 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 2.5% of amount transferred. This fee is subject to change. The county where your property is located may charge recording fees. If your line is greater than $25,000, you are responsible for paying these costs. These costs will be placed in a 12-month interest free, fixed term loan and be part of your Minimum Payment Due.

    Your applicable APR assumes a 0.25 percentage point discount for enrolling in AutoPay within 25 days after account opening and then staying enrolled. You are not required to enroll in AutoPay. See AutoPay Terms & Conditions for more details and restrictions.

    You will earn 2 Points per $1 spent on Net Eligible Purchases (with AutoPay on). If AutoPay is off, you will earn 1.5 Points per $1 spent on Net Eligible Purchases

    For more details on your cash back, see Cash Back Terms & Conditions. Some restrictions apply.

    If you opened a HELOC or HELOAN on or after January 1, 2023, or received a fully underwritten HELOC or HELOAN offer within the last 30 days, we’ll beat your APR or give you $250. Offer subject to verification and approval. 700+ FICO required. Restrictions apply. See HELOC Rate Guarantee Terms and Conditions.

    If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.

  2. Our APR is 6.49-14.99% for primary residences. The average for other cards in the US for people with good credit is over 23% APR. Source: "Average Credit Card Interest Rates" wallethub.com on Jul 14, 2025 showing the average rate for credit cards in the US for people with good credit is 23.90% APR.

    These comparison charts use the midpoint of each card's APR range. Aven's midpoint as of Oct 2, 2026 is 10.74%. Sources: Capital One Platinum, Chase Freedom, Bank of America Cash Rewards Card.

  3. Source: "Home Equity Loan Rates". Source: "How Long Do I Need to Wait for a Home Equity Line?". Source: "Average Credit Card Limit". Source: "What's a Good Personal Loan Interest Rate?". Source: "Personal Loan Statistics". Source: "Credit Card Fee Study: What's Normal and What's Not?". Source: "What to know about personal loan origination fees".

  4. Our fixed monthly payment option (Aven Simple Loan) is available based on your Var APR plus fees not exceeding the High Cost Mortgage threshold set by law. Your rate will not increase while the Aven Simple Loan plan is open.

  5. Amount of 'Interest Saved' is calculated as follows:

    For revolving plans – (1) for each month, we determine interest savings by multiplying (a) our current revolving balances by (b) our balance-weighted average APR minus the average interest rate on credit card plans and (c) then dividing by 12; (2) we then sum up the interest savings over all months since the company's launch. The source of the average interest rate on credit card plans comes from FRED.

    For fixed rate plans – (1) for each month, we determine the interest savings by multiplying (a) our current fixed rate balances by (b) our balance-weighted average APR minus the average interest rate for 5 year fixed personal loans and (c) then dividing by 12; (2) we then sum up the interest savings over all months since the company's launch. The source of the average interest rate on personal loans comes from Credible

    We then sum up the cumulative savings for both revolving and fixed rate plans.

Subject to Credit Approval, including use of data reports from Experian, Equifax and Transunion. Limit of one Account per property. Certain terms and conditions may apply. Terms may vary by applicant and are subject to change. Availability limited to certain states. See aven.com/licenses for more details. Not available for multi-unit homes. Requires a lien on your property. Flood insurance may be required if your property is located in a flood zone. Not available for home purchase. If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.

Notice about use of English. Para Español, consulte este documento.

Aven accounts are arranged by Aven Financial, Inc., dba "Aven" (or "AvenCard" in AR, ID, and PA). NMLS #2042345. See aven.com/licenses for licensing info.

Aven Visa Credit Cards are 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. Equal Housing Lender. NMLS #462289 (NMLS Consumer Access Page). For additional information or complaints to Coastal Community Bank, visit www.federalreserveconsumerhelp.gov. For more information, you can also visit Coastal Community Bank’s privacy policy.

For licensing information, go to www.nmlsconsumeraccess.org

All product names, logos, and brands (Apple, Google Play, X, etc.) are property of their respective owners. All company, product, and service names used on this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.

Aven
548 Market St #99555
San Francisco, California 94104-5401
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