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EquityPeek

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Home equity lines worth a look, September 2026

Ordered by what suits your situation, not by who pays us the most. Nothing here is a commitment, and none of it touches your credit score.

The companies below pay us when you choose to keep going with one of them. You apply with them, not with us.

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About a minute, and no credit check.

01Best fit for your situation

Upstart

Home equity line of credit

  • Usually the cheapest
  • You keep the upside

The cheapest money, if you can carry a payment

A line of credit. Usually the cheapest route if your credit qualifies.

Monthly payment
~$690
Credit needed
660+
Time to funds
2 to 5 weeks
You could reach
$40,000
  • You keep every dollar the house gains
  • Your first mortgage stays where it is
  • New monthly payment, usually a variable rate

The cheapest way to use your equity, and it leaves your first mortgage rate alone. The trade is a new monthly payment, usually at a variable rate.

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You finish on Upstart’s own site. We do not take your application.

Start over with a different address

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