How It Works

It works like a regular Visa® Credit Card, but taps into your home equity to get you really, really low rates.

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What is the Aven Home Card?
Aven is a credit card that lets you use your home equity to get really low rates.
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How does it work?
Aven combines the convenience of a credit card with the savings of a home equity line of credit (HELOC). It works like any other credit card where you can make everyday purchases and earn unlimited 2% cash back.1
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Do you offer a fixed rate?
For Cash Outs and Balance Transfers, you have the option of fixed monthly payments (Aven Simple Loan). Lock in your payments for 5 or 10 years. 2.5% fee per cash out applies. Available right in the app.4
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What is my monthly payment?
Monthly payments work like a standard credit card. It is calculated as 1% of the principal balance, plus monthly interest, plus any fees. See Payment Calculator.
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Can I get cash too?
Yes! You can directly deposit cash from your Aven card to your bank account at the same low rate. A 2.5% transfer fee applies.1
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Does this affect my credit score?
Checking your offer does not affect your credit score. Only once you schedule with our notary to finalize will we do a hard credit check.
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Are there any fees?
We try to reduce as many of the fees as possible. No annual, sign-up, or pre-payment fees. There is a 2.5% fee on Cash Outs and Balance Transfers and a $29 late fee if you don’t make the minimum payment.1
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