It's better than a credit card at 15%+ Also, no escrow fees and no title fees like normally associated with a refinance for bank heloc. Also, with a refi heloc you have to pull it out initially an with Aven you do not. A traditional heloc will cost you $8,000 minimum to do.
Also, you are charged a 2% fee on the cash out portion similar to a cash advance on a credit card but that's 3%+
I did it and the process took me an hour because I had to wait for my husband to get home to complete but it would have taken me 20 minutes from start to finish.