Best HELOC Rates and Best HELOC Lenders in Kansas (2024)

In Kansas, Lower is the top pick for a HELOC lender. With an APR range from 8.75% to 13.5%, it offers a loan amount range between $15,000 and $500,000, meeting diverse financial needs. Homeowners can access funds while meeting Lower's minimum credit score of 580, which is more accessible compared to many lenders. Additionally, it stands out for not charging an annual fee and maintaining an A+ rating from the Better Business Bureau, reflecting strong customer trust and service standards. Plus, it provides personalized support post-application, making it easy for homeowners to navigate their HELOC.

Aven is the best HELOC lender in Kansas for homeowners seeking cost savings. It offers a competitive APR range of 7.99% to 15.49%, with no annual fees or prepayment penalties. Aven's product acts like a credit card backed by your home's equity and gets reported as a HELOC to credit bureaus. Not only can you enjoy a 0.25% rate reduction for setting up autopay, but its absence of origination fees can make it a more affordable option, keeping more money in your pocket.

For homeowners in Kansas with bad credit, U.S. Bank is a solid choice for a HELOC. Bad credit isn't a dealbreaker here. U.S. Bank's minimum score is 660, and the APR ranges from 8.95% to 13.1%. Plus, it offers a 0.5% discount for autopay. U.S. Bank also provides a chance to lock in a fixed rate on a portion of your balance, a feature that could help manage loan payments predictably. U.S. Bank is accredited by the BBB, though currently does not have a rating. These features make it easier for Kansas homeowners to handle a HELOC, even with less-than-perfect credit.

Bank of America is the top pick for Kansas homeowners seeking sizeable HELOCs. This lender supports high-cost needs with a maximum loan amount of up to $1 million. The benefits extend to repayment flexibility, offering a 10-year draw period coupled with a 20-year repayment period, allowing homeowners ample time to manage their finances.

Bank of America stands out with a wealth of benefits like an initial 6.99% competitive introductory rate and discounts that can reduce costs. Homeowners won't face an annual fee, application fee or closing costs, making it a cost-effective choice for borrowing large sums. Additionally, in challenging times, this lender provides hardship assistance, ensuring support when it's needed the most.

For Kansas homeowners looking to merge high-interest debts like credit card balances or personal loans, a HELOC offers a smarter path. The right lender provides lower interest rates, swift fund access and ample borrowing limits. PNC Bank excels in these areas, with rates from 8.22% to 14.5% and a loan range hitting the $1 million mark, offering financial flexibility. Features like the ability to switch rate types, a 0.25% discount for autopay enrollment and repayment of specific closing costs after three years make it a standout. It couples these benefits with tools like an application tracker and hardship support, bringing homeowners a comprehensive debt consolidation tool.