Best HELOC Rates and Lenders in Wisconsin (2024)

Lower is the top HELOC lender for homeowners in Wisconsin. Lower offers a competitive APR range of 8.75% to 13.5%, permitting a broad spectrum of borrowers to access funds. It sets a friendly stage for many by accepting a minimum credit score of 580. With loan amounts ranging from $15,000 to $500,000, it caters to diverse needs, from small projects to substantial renovations. Access to this lender's information is straightforward, assuring transparency for prospective clients. Personalized support is available after submitting an online application, which can be beneficial for individuals navigating the HELOC process for the first time.

Aven is the top pick for Wisconsin homeowners looking for a HELOC lender that supports cost-saving measures. Its offers include no annual fees and a 0.25% rate discount with autopay, aligning with homeowners' affordability priorities. Aven's product is a hybrid HELOC, functioning as a credit card backed by your home's equity, reflected as a HELOC on your credit report. With APRs ranging from 7.99% to 15.49%, it caters to a wide financial scope, ensuring homeowners find a match for their budgets.

In Wisconsin, finding a HELOC lender that accepts bad credit can be a hurdle, but it's not impossible. U.S. Bank accommodates homeowners with lower credit scores, requiring a minimum of 660 for its HELOC. With an APR range between 8.95% to 13.1%, it also offers a competitive upper limit on interest rates. Additionally, U.S. Bank provides incentives like a 0.5% discount for setting up autopay, which can help reduce costs over time. For homeowners in Wisconsin, this means access to funds tied to home equity with manageable terms despite credit challenges. Plus, U.S. Bank is accredited by the BBB, adding an extra layer of trust to its services.

Bank of America is the top pick for homeowners in Wisconsin seeking large HELOCs. It offers a line of credit up to $1 million, giving you the financial flexibility to fund big projects or expenses. Additionally, the combination of a 10-year draw period and a 20-year repayment term provides the time needed to manage your finances without rush. Notably, it doesn't charge annual fees, which can be a relief when borrowing substantial amounts. Multiple discount options and the absence of application and closing costs make it attractive for fiscally savvy borrowers. The hardship assistance feature offers support during tough times, ensuring users' peace of mind.

PNC Bank is the top choice for Wisconsinites looking to consolidate debt, such as credit card balances or personal loans using a HELOC. A desirable lender offers a HELOC with lower interest rates than your current debts, provides speedy fund access and has enough limits to cover your outstanding balances. PNC Bank fits this bill perfectly, offering an APR range from 8.22% to 14.5%, allowing quick funds access within three days after closing, and enabling homeowners to borrow between $10,000 and $1 million. Homeowners can benefit from the ability to toggle between variable and fixed rates and enjoy fewer fees with reimbursements for certain closing costs. Plus, applying for autopay from a qualifying PNC checking account can reduce APR by 0.25%.