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

Lower is the best HELOC lender for homeowners in Wyoming. With an APR range of 8.75% to 13.5%, Lower helps homeowners access their home equity without a hefty price tag. Loans start at $15,000 and go up to $500,000, with a minimum credit score requirement of just 580, making funding accessible to a wider range of borrowers. Homeowners can benefit from personalized support to navigate their HELOC, with the added peace of mind that comes from an A+ BBB rating.

Aven is the top lender for homeowners in Wyoming looking to save on a HELOC. With APRs ranging from 7.99% to 15.49%, Aven offers financial flexibility. It has no annual fees, adding to the savings. Plus, signing up for autopay gives a 0.25% rate discount. Aven's product is a hybrid HELOC, acting like a credit card but reported as a HELOC to credit bureaus. This option offers convenience and cost savings, especially beneficial to Wyoming homeowners prioritizing affordability.

U.S. Bank is the best HELOC lender in Wyoming for homeowners with bad credit. Bad credit doesn't stop you from securing a HELOC, but it may affect your terms. Fortunately, U.S. Bank offers a minimum credit score requirement of 660, which is more accessible than many competitors. U.S. Bank keeps costs relatively manageable with an APR range of 8.95% to 13.1%. Plus, there's a 0.5% rate discount when you set up autopay. These features are especially helpful for Wyoming homeowners looking to leverage their home's equity without perfect credit. U.S. Bank is accredited by the BBB, though currently does not have a rating.

Bank of America is a top HELOC lender for Wyoming homeowners needing substantial funds. With a HELOC, you have the flexibility to cover high-cost needs such as home improvements or education expenses. The lender's maximum loan amount is $1 million, which is a significant benefit for those undertaking large projects. Bank of America also offers a 10-year draw period followed by a 20-year repayment period, giving borrowers plenty of time to manage their finances without worrying about an annual fee. In times of financial difficulty, the bank assists homeowners, focusing on customer support. With no application, annual or closing fees and competitive discounts, Bank of America ensures homeowners can access the money they need for big ventures without undue financial strain.

PNC Bank is the top choice for homeowners in Wyoming seeking to consolidate high-interest debts like credit card balances or personal loans with a HELOC. A solid HELOC provider offers lower interest rates, fast fund access, and high loan limits. With a minimum APR of 8.22% and a maximum of 14.5%, PNC Bank can provide lower rates than many high-interest debts. The quick turnaround to receive funds, typically three days after closing, makes it a swift solution for debt consolidation. Homeowners can borrow up to $1 million, ensuring a wide range of debts are covered. PNC Bank also reimburses fees, adds extra savings and presents options like a rate discount with autopay setup from a qualifying PNC checking account.