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Aven Financial

CFPBDirect lenderLast reviewed August 25, 2026
Credit card
8.6
Overall
Our verdict

Aven is home-secured consumer credit (HELOC-style), not an unsecured personal loan. Compare combined LTV, {rateAbbr} and whether interest is charged only on the draw.

Cost
8.4
Flexibility
8.8
Transparency
8.6
Service
8.4

Maya Chen · Editor, consumer credit · Scores are editorial and do not affect list order, which is set on published price.

Our review

Suits: A home-equity line when you have usable equity and the live offer publishes the draw rules.

What stands out

  • Home-secured credit
  • Draw-based interest
  • Not unsecured

Compare Aven on HELOC in United States. Related: mortgages if you are refinancing the first lien, personal loans if you will not use the home. Supervision: OCC, FDIC and the CFPB.

Pros

  • Listed on home-equity, not mixed into unsecured personal loans.
  • Published terms include how the facility works.
  • No credit pull to browse.

Cons

  • Your home is security — default risk is different from an unsecured instalment.
  • Fees and first-mortgage rules can outweigh a headline APR.

Questions about Aven Financial

Is this a credit card?

No. It is home-secured credit. Cards are on credit cards.

Products you can apply for

1 products in this market

Aven Financial logo
Aven Financial
Aven Home Equity Card
VISA

Aven Home Equity Card

8.64.3(1)

from Aven Financial

  • Paid same day
  • Soft credit check
2% with AutoPay
Rewards
$0
Annual fee
Personalized APR
Purchase rate
  • Consumer
  • Balance transfer

2% cashback on eligible purchases with AutoPay enabled. This card is secured by home equity.

See the personalized HELOC offer for applicable costs and repayment terms.

  • Home-equity Visa that spends like a card
  • Unlimited 2% cash back; no annual fee
  • Lines advertised from about $5,000 up to $250,000
  • Checking an offer does not affect credit
Credit limit
$250,000

Aven’s education pages describe a home-equity Visa with 2% cash back, no annual fee and a 2.5% cash-out/balance-transfer fee. The payment calculator shows 6.99%–15.49% APR. Source: aven.com/education, 2026-08-27.

See detailsApply

Aven Financial: Aven’s education pages describe a home-equity Visa with 2% cash back, no annual fee and a 2.5% cash-out/balance-transfer fee. The payment calculator shows 6.99%–15.49% APR. Source: aven.com/education, 2026-08-27.

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