HELOC Rates New JerseyBest NJ Home Equity Line of Credit Rates

Compare home equity line of credit (HELOC) rates in New Jersey

(Last Updated: 07/15/2026)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
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
Work with a human
Conditions:
HELOC, HELOAN or CASHOUT REFI all available.
  • Work with a human
  • No Lender Fees
  • Get cash in as little as 7 days
  • Up to $500,000 available
Use Home Equity to get cash you need
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 130 Billion Funded. 23 Years in Business
  • Use Home Equity to get cash you need
  • 98% of clients discover savings in minutes
  • Real Savings, Real Fast -$1200 average monthly savings
  • Over 130 Billion Funded. 23 Years in Business
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
7.730% APR 7.730% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
7.250% After Intro PeriodIntro Period: 6 months		 7.250% Rate $0 Min. Initial Draw Amount
6.190% Intro APR
7.000% After Intro PeriodIntro Period: 12 months		 7.000% Rate $0 Min. Initial Draw Amount
7.250% APR 7.250% Rate $0 Min. Initial Draw Amount
5.740% Intro APR
7.840% After Intro PeriodIntro Period: 6 months		 7.840% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.420% After Intro PeriodIntro Period: 6 months		 8.420% Rate $100,000 Min. Initial Draw Amount
5.740% Intro APR
7.600% After Intro PeriodIntro Period: 12 months		 7.600% Rate $25,000 Min. Initial Draw Amount
5.990% Intro APR
7.500% After Intro PeriodIntro Period: 6 months		 7.500% Rate $0 Min. Initial Draw Amount
8.000% Intro APR
8.000% After Intro PeriodIntro Period: 12 months		 8.000% Rate $0 Min. Initial Draw Amount
7.540% APR 7.540% Rate $0 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
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.
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