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Last Updated: 04/29/2026

Aven Home Equity Cash

from Aven Financial Inc

Last Updated: 04/29/2026

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Highlights

Credit Score Range

Starting at 620

Amount Range

Up to $400,000

Maximum LTV

89%

Minimum Draw

N/A

Loan Term (Years)

N/A

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.
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

Pros

Cons

As Fast As 15 Minutes.
2% Unlimited Cashback available to those who enroll in AutoPay,
No origination fees.
No prepayment penalty.
Considers applicants with fair credit.
Available in 43 states.

No co-sign option available.

Aven Home Equity Cash FAQ

How much can you borrow with a HELOC?

HELOCs are lines of credit secured by your home. Once approved, you can access funds by check, phone, credit card, or online up to your credit limit.

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?

No, there is no minimum draw requirement.

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

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.

Message from Aven HELOC

Founded in 2019, Aven has transformed access to low-cost capital by helping consumers unlock the value of their existing assets. It invented the first HELOC-backed credit card, giving homeowners credit for what they own and cutting their rates by up to 50%. Aven has since issued over $3 billion in credit lines and saved consumers over $215 million in interest.

Contact

Headquarters

548 Market St

#99555

San Francisco, CA 94104

(888) 966-4655

Visit Site

Email Support

Hours of Operation

Sunday

All Day

Monday

All Day

Tuesday

All Day

Wednesday

All Day

Thursday

All Day

Friday

All Day

Saturday

All Day

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SuperMoney Net Recommendation Score

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-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.