Best MO HELOC RatesMissouri Home Equity Line of Credit Rates

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

(Last Updated: 06/30/2025)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
7.250% Intro APR
7.250% After Intro PeriodIntro Period: 0 months		 7.250% Rate $15,000 Min. Initial Draw Amount
Conditions:
Available APRs range from 6.70% - 14.65%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
  • Flexible terms, borrow $15K-$750K, redraw up to 100%
  • Use to consolidate debt or finance your next home project
  • 100% digital app & automated valuation
  • Largest non-bank HELOC lender in the US
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
Cash-Out and Home Equity Options Available.
Conditions:
Cash-Out and Home Equity Options Available.
  • Competitive Rates for FICO Scores 580-679
  • 366k+ positive reviews, A rating from the BBB
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available
HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.
Conditions:
The Figure Home Equity Line 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. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
  • Fastest way to turn home equity into cash
  • Flexible terms, redraw up to 100%, borrow $15k-$750k
  • Approval in as little as 5 minutes. Funding in as few as 5 days.
  • Use to consolidate debt or finance your next home project
Home Equity Line of Credit - Equal Housing Lender
Conditions:
Interest-only payments during the 10-year draw period
  • Home Equity Line of Credit - Equal Housing Lender
  • Loans Amounts from $25,000 - $500,000
  • Get a HELOC from PenFed to Put Your Home Equity to Work
  • HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans
Home Equity Loans & Refinance – Cash out
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
  • Home Equity Loans & Refinance – Cash out
  • Customized rate quote with no impact to credit
  • Low Rates, Quick Approvals, Wide Range of Products
  • Over 100 Billion Funded. 22 Years in Business
The leader for homeowners tapping cash from their homes since 2016.
Conditions:
About Spring EQ’s Rates and Terms Spring EQ LLC NMLS ID #1464945 (nmlsconsumeracces.org). No prepayment penalty. No need to refinance your first mortgage. Closed-end fixed rate loans and fixed and adjustable rate HELOC options are available. Spring EQ is an Equal Housing Lender. These results are for informational purposes only. This offer is an invitation to apply for an offer for credit or a loan and should not be construed as an indication of eligibility or a binding underwriting decision. Rates are subject to change based on market conditions and the entries of your specific application. All loans are subject to $995 origination fee and annual fee of $99 (except in certain states, where fees may be lower or not applicable), plus third-party fees. Monthly payment shown reflects monthly principal and interest amortized over the term of the loan based on the initial draw amount. Spring EQ applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Any pre-qualification or result is in no way a pre-approval, indication of eligibility, or binding underwriting decision. All borrowers are required to meet Spring EQ's current underwriting guidelines including verifications of applicant’s credit profile and property value, $25,000 initial draw requirement OR 75% of the line amount (whichever is greater), a FICO score of 640 or greater, and a debt-to-income ratio of less than 50%. Actual rate and APR for qualified borrowers will be determined by a combination of factors, including their creditworthiness as determined by a single credit bureau pull, loan amount requested, property value, and more. In addition to these, other factors specific to applicants' profile and Spring EQ's Underwriting Guidelines may impact rate and eligibility. Offers subject to origination fees based on loan type and property state.
  • Access up to 90% of your home's equity, up to a maximum of $500,000.
  • FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
  • A fixed rate for life- no need to worry about fluctuating rates.
  • We make it easy - and fast - to access your cash (as little as 11 days).
4.990% Intro APR
8.750% After Intro PeriodIntro Period: 6 months		 8.750% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
7.890% APR 7.890% Rate $0 Min. Initial Draw Amount
8.000% Intro APR
8.250% After Intro PeriodIntro Period: 6 months		 8.250% Rate $0 Min. Initial Draw Amount
6.500% Intro APR
8.000% After Intro PeriodIntro Period: 6 months		 8.000% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
9.000% After Intro PeriodIntro Period: 12 months		 9.000% Rate $0 Min. Initial Draw Amount
6.490% Intro APR
8.940% After Intro PeriodIntro Period: 6 months		 8.940% Rate $100,000 Min. Initial Draw Amount
5.990% Intro APR
8.850% After Intro PeriodIntro Period: 12 months		 8.850% Rate $25,000 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
4.990% Intro APR
8.875% After Intro PeriodIntro Period: 6 months		 8.875% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
6.990% After Intro PeriodIntro Period: 12 months		 6.990% Rate $0 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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.
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