Best HELOC Rates and Lenders in Idaho (2024)

Lower is the top HELOC lender in Idaho. It appeals to a broad customer base with APRs ranging from 8.75% to 13.5%. It is ready to serve homeowners by offering loan amounts from $15,000 to $500,000. Moreover, its minimal credit score requirement is 580, making HELOCs accessible to more people. Accessibility underscores its service, as evidenced by easy access to loan details and personalized post-application support. Lower embodies transparency and customer focus, aligning with the needs of Idaho homeowners looking to leverage their home equity.

Aven is the top pick for Idaho homeowners seeking cost-effective HELOC solutions. It stands out with its competitive APR range of 7.99% to 15.49%. Aven's product is a hybrid HELOC in that it functions like a credit card backed by your home's equity but is reported as a HELOC to credit bureaus. Homeowners can avoid yearly charges with no annual fees. Additionally, signing up for autopay can result in a 0.25% rate discount, further reducing costs over the loan's life. With these features, Aven can provide significant savings for homeowners prioritizing affordability.

U.S. Bank is the best HELOC lender for Idaho homeowners with bad credit. Even with a credit score as low as 660, you can get a home equity line of credit between $15,000 and $750,000. The lender's APR ranges from 8.95% to 13.1%, more manageable than high-interest alternatives. The bank also offers a 0.5% discount on rates when you opt for autopay. U.S. Bank is accredited by the BBB, though it currently does not have a rating. These features support homeowners in Idaho who may face financial obstacles, offering a stable and more accessible line of credit.

Bank of America is the top lender for large loan amounts in Idaho. HELOCs offer a flexible way to fund high-cost needs like home renovations or education expenses. With a maximum loan amount of $1 million, homeowners have plenty to work with. It also provides generous repayment terms — a 10-year draw period and a 20-year repayment period — offering time to handle the borrowed amount comfortably. Moreover, it doesn't charge an annual fee, which keeps costs down over the life of the loan.

PNC Bank is the top HELOC lender in Idaho for consolidating high-interest debts like credit card and personal loan balances. Using a HELOC from PNC can be smarter than high-interest options because it typically has lower interest rates and provides funds swiftly, three days after closing. The lender also offers a considerable loan amount of up to $1 million, which could cover significant debt. With rates ranging from 8.22% to 14.5% and the potential to switch between variable and fixed rates, it adapts to your needs. In addition, you can get a 0.25% rate deduction with autopay from a PNC Bank checking account. It even offers financial hardship assistance, signaling a commitment to support you.