Your home's equity,
in your wallet
- HELOCs up to $250k with rates as low as 5.99% var. APR1
- Apply 100% online, funding in as few as 4 days2
- Instant access to your line with the Trovy card
- Take cash out at a fixed rate for predictable monthly payments.12
Takes 2 min • No credit impact5
upfront draw required11
lender fees due at closing4
draw fees on Trovy Card purchases
Why homeowners love the Trovy HELOC
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Card-based access
Use your equity like a credit card, anywhere you need it
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No upfront draw11
Open your line and use it only when you're ready
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Low interest rates
A fraction of credit card or personal loan rates
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Minimal fees
No application, appraisal, or annual fees
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Revolving credit
Draw, repay, and redraw as many times as you need
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Rate flexibility
Choose variable or fixed rates based on your strategy
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Fast & digital
Apply in minutes, close in days, not months
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White-glove service
Real people who understand HELOCs when you need help
Mortgage rates, with credit-card convenience.
Your HELOC comes with a Trovy Card you can use anywhere Mastercard is accepted. In addition to the ability to withdraw cash or transfer balances, accessing your home equity is as easy as swiping a credit card.
Learn more about the Trovy Card
Why you'll love the Trovy Card
- 2% cash back on home purchases, 1% on everything else10
- No draw fee when you use your card
- Still only one monthly payment
- No interest if you pay off your balance
Want the certainty of a fixed rate? Sure thing.
The Trovy HELOC allows you to choose a variable or fixed rate based on your strategy.12 Use our innovative FixedPay feature to create a custom payment plan for any balance or transaction over $100. Choose from multiple repayment periods.
Try the Payment Calculator
Quick & easy to apply
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Check your rate in 2 min with no credit impact
Check your offer in under 2 minutes with no credit impact by providing basic information about you and your property.5
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Apply 100% online and close with a remote notary
Accept your offer and sign your closing documents online – even the notary step is virtual and on-demand.8
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Access your funds in as few as 4 days2
Transfer your high-rate balance, send cash to your bank account, and start spending with your Trovy Card.
What our customers are saying
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Trovy HELOC for Debt consolidation
Consolidate high-interest debt
Choose the debts you want to consolidate such as credit cards, personal loans, or auto loans. Pay them off with your HELOC's lower rate.
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Trovy HELOC for Emergency fund
Build a smarter emergency fund
Financial advisors recommend keeping 3-6 months of expenses in an easily accessible fund. Trovy can help prepare you for peace of mind and whatever comes next.
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Trovy HELOC for Home renovation
Fund your dream renovation
Use your home equity for home improvements. Upgrade your home without draining savings, or refinancing your low-rate mortgage.
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Trovy HELOC for Major purchases
Finance life's big moments
Borrow against your home's equity at rates dramatically lower than other options. Only pay interest on what you use, with flexibility for future needs.
Latest from Trovy
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#Home Equity StrategiesIntroducing Trovy SmartPay: Pay Down Debt Smarter, and Qualify for More
Most homeowners don't realize the debts they plan to pay off with a HELOC are working against them twice. Trovy SmartPay changes that by underwriting you on your post-payoff DTI — so you can qualify for a higher limit and a lower rate.
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#Home Equity StrategiesThe Smartest Way to Use Home Equity in 2026
American homeowners are sitting on record equity. Here is a practical framework for using it in 2026—from diversification and energy upgrades to debt consolidation and financial agility—and what to weigh before you borrow.
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#HELOC CompetitorsTrovy vs. Aven: Which HELOC Card Is Right for You?
Compare Trovy and Aven HELOC cards. See how draw period flexibility, loan terms, draw requirements, fixed-rate conversion, payment allocation, and rewards differ to choose the option that fits your needs.
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#Financial Planning & Smart BorrowingThe Smart Homeowner's Guide to Financial Flexibility
Owning a home builds a financial asset that can work for you. Learn how to understand and access your home equity strategically—through HELOCs, home equity loans, and more—for financial flexibility when you need it most.
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#Home Equity StrategiesBest Uses of a HELOC in 2026
Discover how homeowners are using a Home Equity Line of Credit in 2026 for debt consolidation, home improvements, emergency backup, business investment, education, and major purchases—and what to consider when making your HELOC work for you.
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#Debt Consolidation & RefinancingSmart Financing: Using Home Equity to Refinance High-Interest Debt
Learn about the deferred interest trap in promotional financing and compare refinancing options including credit cards, personal loans, savings, margin loans, and Trovy HELOC to make informed decisions about refinancing high-interest debt.
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#Financial Planning & Smart BorrowingThe HELOC That Actually Works Like You Need It To
Discover how Trovy reinvented the HELOC for modern life: card-based access, no upfront draw, low rates, minimal fees, and true revolving credit. Your home equity, accessible when and how you need it.
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#Debt Consolidation & RefinancingShould You Use a HELOC to Consolidate Debt?
This article explains to homeowners how a HELOC can help you consolidate high interest debt.
Frequently asked questions
See allWhat makes the Trovy HELOC special?
The Trovy HELOC is the most flexible HELOC on the market. There is no minimum upfront draw on loan sizes that are $100,000 or below, so you can draw on your HELOC when you need the funds, and only pay interest on the amount you use. Your HELOC funds are easy to access - you can transfer money to your bank account, request a balance transfer, or use your Trovy Card wherever Mastercard is accepted. There are no draw fees when you access your HELOC funds through the Trovy Card and no interest on card purchases when you pay your monthly balance in full. It's a flexible, affordable, and modern borrowing solution for homeowners.
What is the Trovy HELOC Card?
With your Trovy HELOC, you will receive a Trovy Card that you can use to access your line of credit. You can use it for purchases or cash advances anywhere Mastercard is accepted, giving you flexible access to your home equity funds when you need them. There are no draw fees when you use your Trovy card for purchases.
How do I take cash out with the Trovy HELOC?
You can use your Trovy HELOC to request an ACH transfer to your bank account, and you can use your Trovy Card to take cash out at an ATM. We do not offer checks to access your HELOC funds. This gives you quick access to your home equity when you need it most. Each cash advance will be subject to a fee of up to 3.99% of the amount drawn, up to a 5% life of loan cap.
Does Trovy require an upfront draw?
Trovy does not require any upfront draw when you open your HELOC if your loan size is $100,000 or less. If you need more than $100,000, you can take an upfront draw in the form of a cash advance or balance transfer at closing. You can draw funds whenever you need them.
Does Trovy offer a fixed rate?
Yes! We offer the option for predictable monthly payments on balance transfers and cash outs with Trovy FixedPay. You can also convert your Trovy card draws and balances to a fixed rate with Trovy Fixed Pay.
How does FixedPay work?
When you initiate a cash advance or balance transfer, you can choose to convert it into a FixedPay draw with a fixed APR and equal monthly payments until it's paid off, or leave it as a variable-rate balance with a minimum payment of 1% of principal plus interest. You can also convert all or part of your balance to a fixed rate, locking in predictable monthly payments for that portion. With Trovy FixedPay, you can elect a fixed rate and choose your repayment period, which can range from 1 year to 25 years.
