Last Updated: 05/21/2026
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Highlights
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
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
Aven Home Equity Cash 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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