Is Aven Home Equity Cash the right fit for you?
Last Updated: 09/25/2026
SuperMoney User Recommendation Score +29
Mostly recommended28 total votes
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Highlights
Community Rating
Mostly recommended
Credit Score Range
Starting at 620
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Amount Range
Up to $400,000
Maximum LTV
89%
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Minimum Draw
N/A
Loan Term (Years)
N/A
Number of Reviews
Aven Home Equity Cash Review
Aven Home Equity Cash is offered by Aven Financial Inc (NMLS #2042345), a nonbank financial services provider founded in 2019 and based in San Francisco, CA. Aven HELOC are available in 43 states.
Key Takeaways
- 2% Cash Back Visa® Credit Card Earn unlimited 2% cash back on every single purchase. Use what you want, when you want.
- Flexible Repayment Options Only pay for what you use. You can make payments like a regular credit card – a minimum of 1% of the statement balance plus interest. Or for Cash Outs and Balance Transfers, you also have the option for fixed monthly payments (Aven Simple Loan).
- Fair credit accepted. Borrowers with a credit score as low as 620 may qualify for Aven Home Equity Cash.
- Full draw required. Aven Financial Inc requires borrowers to draw their line of credit in full.
- Only primary residences considered. Aven Home Equity Cash does not offer financing for vacation homes or investment properties.
- No origination fees. Aven Home Equity Cash does not charge fees for processing your application.
- High maximum LTV ratio. Aven Home Equity Cash has a maximum loan to value ratio of 89%.
Aven Home Equity Cash Pros & Cons
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Aven Home Equity Cash FAQ
How much can you borrow with a HELOC?
HELOCs are lines of credit secured by your home. Aven Financial Inc requires you to take the full draw at origination. As the loan is repaid, a portion of the original amount may become available again.
Borrowers can apply for lines of credit of up to $400,000. The maximum amount depends on property value, existing mortgage balance, and creditworthiness.
The maximum loan-to-value (LTV) ratio goes up to 89%. This means total debt secured by the property cannot exceed this percentage of its value. For example, on a $100,000 home with a $20,000 mortgage balance, you may qualify for up to $69k in credit.
Is there a minimum draw requirement?
Yes. The initial draw must be for the full credit line.
What fees does Aven HELOC charge for a HELOC?
Aven Financial Inc does not charge origination fees.
What types of property can you use as security for a HELOC with Aven HELOC?
Aven Financial Inc may consider HELOCs secured by the following property types:
- Primary residences
Provider Disclosure: Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289
Aven Home Equity Cash is a home equity line of credit featuring fixed rate plans and a variable rate revolving line of credit, each with its own annual percentage rate ("APR"). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section ("Index") plus a margin that takes into account your creditworthiness, collateral value, etc. The Index as of Jan 9th, 2026 EST was 6.75%. The APR will not exceed 18%. Best rates for most qualified borrowers on primary residences. Headline rate available for credit limits of $50,000 or less. The fixed APR for fixed-term plans (aka Aven Simple Loans) is based on your variable APR and other factors at the time you agree to the Aven Simple Loan. The fixed APR will not change during the loan's term. An upfront draw of the full credit line is required. There is a fee of 4.9% on the total initial amount drawn. There are no fees for subsequent cash outs or balance transfers. Based on your property's location, there may be recording fees and in-person signing costs, including attorney fees. You are responsible for all recording fees and in-person signing costs, including attorney fees. See Pricing & Terms for details. Terms are subject to change.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Services by Aven Financial Inc
Availability
Available in 43 states.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Michigan
- Minnesota
- Mississippi
- Montana
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Dakota
- Tennessee
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +29, or 3.6 on a 5-point rating scale.
+29
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Aven Home Equity Cash Community Reviews
Would you recommend Aven Home Equity Cash to your friends?
TA
Toussaint A.
Sep 25, 2026
May or may not recommend
The $400,000 borrowing limit looks attractive, and the 89% LTV is competitive. Still, I’d look closely at the fees and repayment terms before deciding.
JH
Juanita H.
Sep 25, 2026
Would Recommend
I like that Aven accepts borrowers with credit scores starting around 620. The no-origination-fee feature is also a nice plus.
WP
Withney P.
Sep 25, 2026
Would not Recommend
I’m not a fan of having to take the full credit line upfront. That could make this less flexible than I expected from a HELOC.
AR
Allan R.
Sep 24, 2026
May or may not recommend
Aven has some useful features, but the full upfront draw is something I’d want to understand first. It seems worth comparing with other HELOC options.
VR
Vicki R.
Sep 24, 2026
Would Recommend
The cashback and flexible payment options make this pretty appealing. I like that the application process seems quick and straightforward.
MA
Miles A.
Sep 21, 2026
Would Recommend
The amount available through Aven is one of the things that caught my attention. Having access to a line of up to $400,000, depending on the property and financial qualifications, provides plenty of room for larger expenses. The 89% maximum LTV is also a useful feature for homeowners with substantial equity.
CW
Carter W.
Sep 21, 2026
Would not Recommend
The full-draw requirement would be my biggest concern. Having to take the entire approved credit line at origination means you can't simply borrow a small portion when you need it. I would also pay close attention to the fees and interest terms associated with the initial draw before deciding whether this structure makes sense.
EL
Eziah L.
Sep 21, 2026
Would Recommend
I like the combination of home equity access and the flexibility of the Aven account. The 2% cash-back feature is an interesting extra for customers who enroll in AutoPay, and the ability to choose between minimum payments and fixed monthly payments gives borrowers some repayment flexibility.
LE
Lily E.
Sep 21, 2026
May or may not recommend
Aven has some attractive features, including no origination fee, no prepayment penalty, and eligibility starting around a 620 credit score. However, the requirement to take the full credit line upfront is something I would want to think carefully about before applying. It may work well for some situations but not necessarily everyone.
PG
Promise G.
Sep 20, 2026
Would Recommend
The application process with Aven was appealing because the product is designed to move quickly, and the credit requirements are not limited to borrowers with excellent credit. I also like that there is no origination fee or prepayment penalty listed for the product.
JE
James E.
Aug 25, 2026
May or may not recommend
Aven Home Equity Cash has some genuinely interesting features, but I think borrowers need to look beyond the advertised benefits. The full credit line is drawn at the beginning, and the disclosed 4.9% fee on the initial amount drawn is something I would factor into the total cost. The product may work well for someone who has a clear plan for the funds, but it isn't necessarily the right fit ...Show More
TJ
Testimony J.
Aug 25, 2026
Would not Recommend
I liked the concept behind Aven, but the full-draw requirement was a major drawback for me. I would have preferred to access only the portion of the credit I actually needed instead of taking the entire line upfront. The 4.9% fee on the initial draw also made the cost feel higher than I initially expected, so I decided to consider other home equity options.
DS
Divine S.
Aug 25, 2026
Would Recommend
Aven Home Equity Cash stood out to me because the application process was much more straightforward than I expected. I liked being able to manage everything online, and the combination of home equity access with a card and cash-back rewards gives it a different feel from a traditional HELOC. The flexible repayment options were also useful because I could choose an approach that fit how I planned to use the ...Show More
LS
Lisa S.
Aug 24, 2026
Would Recommend
Aven gave me a convenient way to use my home equity without dealing with too much paperwork. I also liked the cashback feature.
AC
Andrew C.
Aug 24, 2026
May or may not recommend
The application was fairly straightforward, although I still had a few things I wanted clarified. It worked out okay for my situation.
SD
Stacy D.
Aug 23, 2026
Would not Recommend
I wasn't a fan of having to take the full credit line upfront. That made the option less flexible than I expected.
CS
Cosmas S.
Aug 23, 2026
May or may not recommend
Aven seems like a decent option if you need to access your home equity. I would just compare the terms carefully before deciding.
MM
Maxine M.
Aug 22, 2026
Would Recommend
I liked how simple the Aven application process was. The quick access to funds made things much easier for me.
RH
Richard H.
Jul 29, 2026
May or may not recommend
The approval process was straightforward, and the features are decent. I haven't had any major issues so far. Time will tell how it performs in the long run.
MS
Marra S.
Jul 28, 2026
Would Recommend
The flexible repayment options fit my budget well. Having access to my home's equity through a card is convenient. Overall, it's been a good experience.
Showing 20 of 28 reviews
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