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Loan Type
Home Equity
Credit Score
Below 580
Loan Amount
$100K-$200K
No Monthly Payments
Unlock
NMLS #1985266Unlock
NMLS #1985266
Unlock
2,840 reviews by 
Cash from your home equity — no monthly payments
- FICO down to 500 OK
- No monthly payments — ever
- Up to $500K in available equity
9.9/10
Sagewise ScoreFor equity-access products, the Sagewise Score blends lender reputation, customer reviews, approval flexibility, and cash access — weighted to your credit profile.
Unlock — Sagewise Score breakdown
- Reputation9.9
- Customer Reviews9.8
- Approval Flexibility10.0
- Cash Access9.9
Weighted to your credit profile. How we score ›
NMLS #1404536NMLS #1404536
Hometap
3,210 reviews by
Tap your equity without taking on debt
- Equity share, not a loan
- FICO from 500 considered
- 10-year term, no monthly payments
9.4/10
Sagewise ScoreFor equity-access products, the Sagewise Score blends lender reputation, customer reviews, approval flexibility, and cash access — weighted to your credit profile.
Hometap — Sagewise Score breakdown
- Reputation9.5
- Customer Reviews9.3
- Approval Flexibility9.5
- Cash Access9.3
Weighted to your credit profile. How we score ›
Point
NMLS #1717824Point
NMLS #1717824
Point
1,920 reviews by
Cash from your home — no monthly payments, no interest
- FICO from 500 considered
- Up to $500K available
- 30-year term, repay any time
8.7/10
Sagewise ScoreFor equity-access products, the Sagewise Score blends lender reputation, customer reviews, approval flexibility, and cash access — weighted to your credit profile.
Point — Sagewise Score breakdown
- Reputation8.7
- Customer Reviews8.6
- Approval Flexibility8.8
- Cash Access8.7
Weighted to your credit profile. How we score ›
NMLS #1427381NMLS #1427381
Bankrate
12,470 reviews by
Compare credit-flexible cash-out options
- Personalized offers from 100+ lenders
- FICO from 500 considered
- No impact to your credit
8.0/10
Sagewise ScoreFor equity-access products, the Sagewise Score blends lender reputation, customer reviews, approval flexibility, and cash access — weighted to your credit profile.
Bankrate — Sagewise Score breakdown
- Reputation8.1
- Customer Reviews8.0
- Approval Flexibility8.0
- Cash Access7.9
Weighted to your credit profile. How we score ›