Best IN HELOC RatesIndiana Home Equity Line of Credit Rates

Compare home equity line of credit (HELOC) rates in Indiana

(Last Updated: 07/04/2026)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
6.625% Intro APR
6.625% After Intro PeriodIntro Period: 0 months		 6.625% Rate $0 Min. Initial Draw Amount
Conditions:
Home Equity loans are available through Achieve Loans (NMLS ID #1810501). Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $700,000, and assigned based on credit score, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies. Fixed rate APRs range from 5.50% - 13.500% and are assigned based on underwriting requirements. Lowest APRs require a fico equal to or greater than 700, CLTV equal to or less than 50%, DTI equal to or less than 15%, opt in to ACH (not required to obtain loan) and loan amount equal to or less than $150,000. Offer APRs assume automatic payment enrollment and DTI less than 15% discounts. Rate discounts are removed if these parametes are not met. All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $10,304, depending on line amount and state law requirements and may include origination (up to 4.0% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV maximums range from 75% to 90% and are based on credit score, property type and include the Achieve Loans new loan request. Property insurance is required and flood insurance may be required depending on location. You must pledge your home as collateral. Contact Achieve Loans for further details. Equal Housing Opportunity
  • Competitive rates, Pre-qualify in minutes
  • Mortgage Advisors standing by to help find the best solution
  • Flexible terms with fast funding
  • Minimum credit score: 600
6.842% Intro APR
6.842% After Intro PeriodIntro Period: 0 months		 6.842% Rate $25,000 Min. Initial Draw Amount
Conditions:
NMLS #2611: NMLS consumer access. For licensing information, please go to www.nmlsconsumeraccess.org. Owning Home Equity Line of Credit is available in AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY. Equal Housing Lender Owning HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. The Owning Home Equity Line of Credit is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Rates displayed reflect first lien mortgage pricing and may not apply to second lien products. Advertised rates are based on top-tier credit profiles (typically FICO scores of 800+), even within broader credit categories shown. All rates and terms are subject to qualification, including a maximum combined loan-to-value (CLTV) of 50%, and may vary based on individual borrower profile and loan scenario. Owning is a division of Guaranteed Rate, Inc, NMLS #2611 Headquarters: 3940 N Ravenswood, Chicago IL 60613
  • Apply in 5 minutes, get your money in as fast as 5 days.
  • Digital application experience.
  • Funds directly to your bank account.
  • No in-person appraisal needed.
5.990% Intro APR
7.000% After Intro PeriodIntro Period: 12 months		 7.000% Rate $25,000 Min. Initial Draw Amount
Conditions:
Rates and terms are subject to change without notice. All offers of credit are subject to credit approval requirements and applicants may be offered credit at higher rates and other terms. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply. Hazard insurance is required on all loans secured by real property (flood insurance may also be required where applicable). Consult a tax professional regarding the potential deductibility of interest. FourLeaf does not currently offer HELOCs in Texas or for cooperative (co-op) properties. Membership at FourLeaf is required by opening a minimum $5 share savings account at or prior to HELOC account opening. https://www.fourleaffcu.com/personal/heloc-disclosures/
  • Tap into your home's equity & access the funds you need with a HELOC
  • Apply online or speak with a specialist
  • No application, origination & appraisal fees on lines up to $500K
7.375% Intro APR
7.375% After Intro PeriodIntro Period: 7 months		 7.375% Rate $25,000 Min. Initial Draw Amount
Conditions:
This rate is variable and will fluctuate with the Prime Rate as published in the Wall Street Journal. Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 12/18/2025, the variable rate for new home equity lines of credit is Prime – 0.25% to Prime + 2.50% (6.50% APR to 9.50% APR). Your rate will not exceed 18.000% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply every year after the first year from the date of funding. *Not all applicants are eligible for the maximum line of credit amount or the maximum combined loan to value (LTV). The property type, applicant creditworthiness, verified income, and third party property valuation all may affect eligibility. Maximum LTV ratios of 90%, 80% or 70% apply depending on creditworthiness and property eligibility. Offer available for owner-occupied, 1-4 unit residential properties only. For HELOC amounts at and above $100,000, Splash requires an initial draw of at least $75,000. For line amounts less than $100,000, you must draw at least 75% initially. Additional draw amounts are subject to lender minimums. **To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
  • Borrow up to $500,000*
  • Apply 100% online in minutes with a user-friendly platform
  • Check your rate without affecting your credit **
  • Tap into home equity today
Cash in with a HELOC
Conditions:
This rate is variable and will fluctuate with the Prime Rate as published in the Wall Street Journal. Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 12/18/2025, the variable rate for new home equity lines of credit is Prime – 0.25% to Prime + 2.50% (6.50% APR to 9.50% APR). Your rate will not exceed 18.000% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply every year after the first year from the date of funding. *Not all applicants are eligible for the maximum line of credit amount or the maximum combined loan to value (LTV). The property type, applicant creditworthiness, verified income, and third party property valuation all may affect eligibility. Maximum LTV ratios of 90%, 80% or 70% apply depending on creditworthiness and property eligibility. Offer available for owner-occupied, 1-4 unit residential properties only. For HELOC amounts at and above $100,000, Splash requires an initial draw of at least $75,000. For line amounts less than $100,000, you must draw at least 75% initially. Additional draw amounts are subject to lender minimums. **To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
  • Borrow up to $500,000*
  • Apply 100% online in minutes with a user-friendly platform
  • Check your rate without affecting your credit **
  • Tap into home equity today
Get cash now in exchange for a percentage of your homes future equity.
Conditions:
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
  • No monthly payments or interest charges
  • Minimum Credit score: 500
  • Access up to $500k
  • No need to refinance
Access your home’s equity without replacing your current mortgage
Conditions:
Refi.com does not offer Home Equity Line-of-Credit (HELOC) or Home Equity Loans; HELOC and Home Equity Loans are independently underwritten by third-party lending partners and are subject to their terms and conditions. Refinancing may result in higher finance charges over the life of the loan. Not available in all states. Refi.com is a DBA of Mortgage Research Center, LLC. NMLS #1907 (www.nmlsconsumeraccess.org) 1930 W Bennett St., Suite 100, Springfield, MO 65807 Equal Housing Opportunity.
  • Access your home’s equity without replacing your current mortgage
  • Put your home’s equity to work on your terms
  • Flexible funds for renovations, debt consolidation, or major expenses
  • Refi.com connects you with home equity lending specialists
7.250% APR 7.250% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
7.250% APR 7.250% Rate $0 Min. Initial Draw Amount
7.250% APR 7.250% Rate $0 Min. Initial Draw Amount
5.740% Intro APR
8.600% After Intro PeriodIntro Period: 12 months		 8.600% Rate $25,000 Min. Initial Draw Amount
4.990% Intro APR
8.625% After Intro PeriodIntro Period: 6 months		 8.625% Rate $0 Min. Initial Draw Amount
8.500% APR 8.500% Rate $0 Min. Initial Draw Amount
7.740% APR 7.740% Rate $40,000 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
5.240% Intro APR
8.150% After Intro PeriodIntro Period: 6 months		 8.150% Rate $100,000 Min. Initial Draw Amount
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

Indiana stands out with some of the best Home Equity Line of Credit (HELOC) rates, attracting homeowners looking to leverage their home equity. These competitive rates across the state provide an excellent opportunity for residents to access funds for various purposes, from home improvements to debt consolidation. The attractive HELOC rates in Indiana are a testament to the state's robust financial institutions, which are committed to offering flexible and affordable financial solutions to homeowners.

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