Choose Your Loan Type
Select the loan that best fits your needs. Both options offer competitive rates and fast approval through our modern DeFi platform.
7.05%
Starting APR
Home Equity Line of Credit
Access your home's equity with a flexible credit line for major expenses and investments.
Up to $400,000 credit line
Up to 95% loan-to-value ratio
30-year repayment terms available
No hidden fees or prepayment penalties
5 min
Approval
5 days
Funding
Best for:
- • Home renovations and improvements
- • Debt consolidation
- • Investment opportunities
- • Large ongoing expenses
8.99%
Starting APR
Personal Loan
Get a fixed-rate personal loan with predictable monthly payments for any purpose.
$5,000 to $40,000 loan amounts
Fixed interest rates
2 to 7 year repayment terms
No collateral required
24 hrs
Decision
Same day
Funding
Best for:
- • Debt consolidation
- • Major purchases
- • Medical expenses
- • Quick funding needs
Quick Comparison
| Feature | HELOC | Personal Loan |
|---|---|---|
| Loan Amount | Up to $400,000 | $5,000 - $40,000 |
| Interest Rate | Variable, starting at 7.05% | Fixed, starting at 8.99% |
| Repayment Term | Up to 30 years | 2 - 7 years |
| Collateral | Home equity required | None required |
| Funding Speed | 5 days | Same day |
Rate Calculator
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We use bank-level encryption and never share your personal information. All applications are processed through our secure DeFi platform with traditional finance backing.