Tackle your high-interest rate debt or remodel your kitchen! Why wait weeks or months on a bank to borrow the money you need? Get your money in just days with our fixed-rate, digital HELOC1.
*ON Q Home Loans is a DBA of Guaranteed Rate, Inc. Click to start your application on Rate.com.
No paperwork. No hassles. Link to your accounts and we’ll handle your home equity line of credit.
Starting at 6.60% APR2! Traditional HELOCs keep you guessing with their variable rates, our HELOC rate is locked in for the life of your loan.
Get the funding you need fast without having to bring any money to closing.
A traditional HELOC takes 45-60 days4. For ours? Only 5 to 10 days3!
Rates start at 6.60% APR, may be as much as 16.70% APR and are subject to change at any time. Advertised APR assumes a minimum loan amount of $200,000, a 0.25% autopay discount, and payment of an origination fee in exchange for a reduced APR. Loan amounts below $200,000 will not receive the $200,000 loan size discount and will have a higher starting APR. Fixed rates with 1.99% origination fee and no discounts range between 9.00% and 16.70% APR and are subject to change at any time. OnQ Home Loans offers additional loan products which allow you to access the equity within your home. Please contact your loan officer to see which option is best suited for your financial needs.
Our home equity line of credit comes with a reliable, fixed rate so your payments are always the same.
There are other key benefits to working with ON Q Home Loans , including:
1 For ON Q Home Loans, our APRs can be as low as 6.60% for the most creditworthy applicants and will be higher for other applicants, depending on credit profile and subject to applicable law. For example, for a borrower with a CLTV of 50% and a credit score of 800 who is eligible for and chooses to pay a 4.99% origination fee in exchange for a reduced APR, a ten-year ON Q Home Loans line with an initial draw amount of $200,000 would have a fixed annual percentage rate (APR) of 6.60%. The total loan amount would be $209,980. Alternatively, a borrower with the same credit profile who pays a 3.99% origination fee would have an APR of 7.10% and a total loan amount of $207,980. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term, occupancy status, and whether you are eligible for and choose to pay an origination fee in exchange for a lower rate. Advertised rates and terms are current as of 08/03/2026 and are subject to change without notice. In addition to paying the origination fee in exchange for a reduced rate, the advertised rates include a discount of 0.25% for enrolling in autopay and a discount of 0.25% for a loan amount of $200,000 or greater.
You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($350), and recording fees ($0 – $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition on a 1st lien loan and flood insurance may be required if your property is located in a flood zone.
