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Initial Annual Percentage Rates (APRs) range from 6.49% to 15.24% for variable rate balances from card purchases, and from 6.49% to 15.74% for Fixed Rate Draws, as of 09/22/2026. Both ranges reflect a 0.25% autopay discount. The lowest rates are only available to the most qualified applicants; rates will be higher for others. The APR on variable rate balances may increase or decrease over time based on changes in the highest domestic Prime Rate published in the Money Rates section of the Wall Street Journal (the index) plus the applicable margin. The APR on a Fixed Rate Draw is set when the draw is made and will not change for the life of that draw. No APR on your account will exceed the lesser of 18% or the maximum rate permitted by applicable state law at any time during the life of the account. As a representative example, a borrower with a 60% combined loan-to-value ratio (CLTV) and a 740 credit score would qualify for an initial APR of 9.39%. Your actual rate will depend on many factors such as your credit profile, debt-to-income ratio, CLTV, and property usage. Rates change frequently so your exact initial APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. Property insurance may be required as a condition of the loan depending on lien status and whether the property is located in a flood zone. Available credit lines range from a minimum of $10,000 up to a maximum of $250,000. A minimum credit score of 680 is required for credit lines above $50,000 and for third liens. The minimum credit line for HELOCs on Wisconsin and Arizona properties is $25,001 and $10,001, respectively. Your maximum credit line may be lower than $250,000 and will ultimately depend on your property's value, lien position, credit profile, income, and equity available at the time of application. Property value and resulting equity are determined through independent data sources and automated valuation models.
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Apply in as fast as 4 minutes with our 100% online application. Approval may be granted in as fast as 4 minutes assuming income verification is completed through our automated verification procedures. You can receive access to your funds for a balance transfer or cash advance, and use your virtual card, in as few as four days, or faster for properties that are not subject to a rescission period. Four business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.
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All savings estimates are illustrative. The estimated savings figure is based on a comparison between (1) the estimated monthly interest paid using the maximum credit limit and the lowest initial APR shown above, and (2) an estimated monthly interest paid for a typical credit card using the same credit limit and an average credit card APR of 22.25% (per NerdWallet, as of 10/09/2025). Actual savings may vary and could be lower. The APR on the Trovy HELOC credit card is variable and may change over time, affecting both interest costs and monthly payment amounts.
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There is no lender fee due at closing for loan sizes of $100,000 or less that do not include an upfront draw. You are responsible for mortgage recording taxes in states that impose taxes, and the amount Trovy pays on your behalf will be added to your loan balance. Taxes are up to 0.55% of the loan amount and are disclosed in your HELOC Agreement at closing. You will be required to reimburse Trovy for standard recording and government fees and charges of up to $800 (dependent on property location), and, if a mobile notary is required, $140 in mobile notary fees ($375 in Georgia and Massachusetts due to an attorney closing requirement). Trovy charges a draw fee on balance transfers and cash advances of up to 2.99% per draw, subject to a cap of 5% over the life of the loan. There is no draw fee on Trovy HELOC credit card purchases.
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To check the rates and terms you qualify for, we will conduct a soft credit pull which will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
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A Trovy HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
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You should consult a tax advisor regarding the deductibility of interest and charges to your Trovy HELOC credit card.
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Remote online notaries are available in most states. A mobile notary will be required in certain states and counties that do not accept remote online notarizations. Your notary session is free and fully online.
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All savings estimates are illustrative. The 50% savings estimate is based on a comparison between 1) balance refi amounts and APRs for actual Trovy customers and 2) the estimated annual interest that would be paid on the same amounts using average personal loan and credit card APRs (14.48% and 23.77% respectively). Actual savings may vary and could be lower. The APR on the Trovy HELOC credit card is variable and may change over time, affecting both interest costs and monthly payment amount. A Trovy HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
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Cash back is earned as points (1 point per $1 spent; 2 points per $1 spent on Home Categories) and redeemed as a statement credit at a value of 1 cent per point.
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No upfront draw required for loan sizes of $100,000 or less. An upfront draw in the form of a cash out or balance transfer or both is required for any credit line amount in excess of $100,000.
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With Trovy FixedPay, you can convert all or a portion of your credit card balance to a fixed rate, at a repayment term of your choosing. Your fixed APR is determined by adding from 0% to 1.50% to your variable APR, with higher spreads for longer terms.
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Initial draw period of 5 years. Renewal for up to three additional 5-year periods, for a total draw period of up to 20 years, is at Trovy's discretion and is not guaranteed. Investment properties have a 5-year draw period and a 15-year term.
The Trovy HELOC credit card is currently available in AL, AR, AZ, CA, CO, FL, IA, ID, IL, IN, KS, MI, MN, MS, NC, NE, NJ, NM, OH, OK, OR, PA, TN, UT, VA, WA, and WI. Check back soon for more states!
The Trovy HELOC credit card is a credit card linked to a home equity line of credit (HELOC). It allows homeowners to tap into their home equity and make purchases just like with a traditional credit card—while benefiting from the lower interest rates of a HELOC.
