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    <div class="d-grid"><button type="submit" data-testid="main-origination-submit-button" class="btn btn btn-primary"><img width="16" alt="icon" class="me-1" style="display: none;"><span>Check your offer<sub>†</sub></span></button></div>
    <p class="mt-2"><a href="/invite" class="btn btn-tertiary d-block border border-1" data-testid="main-origination-form-have-mail-offer"> Have an invite code? </a></p>
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  <div class="mt-2 mt-md-3 text-start">
    <p class="fw-bold mb-0 small">Checking your offer will <span class="text-underline">NOT</span> affect your credit score.</p>
    <p class="small text-start text-muted"><sup class="sup-md">†</sup>By providing your number, you consent to automated or manual marketing messages &amp; to
      <a class="h-blue highlighted" href="/docs/TermsOfUse.pdf" target="_blank">Terms of Service</a>. Consent to marketing messages is not required for any purchase. Text 'stop' to (415) 610-8313 to opt out.</p>
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  <div><!---->
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          <div class="input form-floating"><input type="tel" inputmode="tel" id="phone" name="phone" placeholder="Mobile Number" data-testid="footer-origination-form-phone-number-input" class="form-control"><label for="phone">Mobile Number</label>
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    <div class="d-grid"><button type="submit" data-testid="main-origination-submit-button" class="btn btn btn-primary"><img width="16" alt="icon" class="me-1" style="display: none;"><span>Check your offer<sub>†</sub></span></button></div>
    <p class="mt-2"><a href="/invite" class="btn btn-tertiary d-block border border-1" data-testid="footer-origination-form-have-mail-offer"> Have an invite code? </a></p>
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  <div class="mt-2 mt-md-3 text-start">
    <p class="fw-bold mb-0 small" style="display: none;">Checking your offer will <span class="text-underline">NOT</span> affect your credit score.</p>
    <p class="small text-start text-muted"><sup class="sup-md">†</sup>By providing your number, you consent to automated or manual marketing messages &amp; to
      <a class="h-blue highlighted" href="/docs/TermsOfUse.pdf" target="_blank">Terms of Service</a>. Consent to marketing messages is not required for any purchase. Text 'stop' to (415) 610-8313 to opt out.</p>
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 * How It Works
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Check Offers


CREDIT CARD IN THE FRONT.


HOME EQUITY IN THE BACK.

   
   

 * 7.99 – 14.99% VAR. APR1

 * 2% UNLIMITED CASHBACK1

 * UP TO $250,000 LIMIT

   

 * STARTING AT $0 TO GET A CARD

 * AS FAST AS 15 MINUTES

Mobile Number

Check your offer†

Have an invite code?

Checking your offer will NOT affect your credit score.

†By providing your number, you consent to automated or manual marketing messages
& to Terms of Service. Consent to marketing messages is not required for any
purchase. Text 'stop' to (415) 610-8313 to opt out.

As featured on





IT’S HOME EQUITY...
IT’S A CREDIT CARD...
IT’S AVEN.

IT WORKS LIKE A REGULAR VISA CREDIT CARD, BUT TAPS INTO YOUR HOME EQUITY TO GET
YOU REALLY, REALLY LOW RATES.

2% Cash Back Visa Credit Card
Get a credit card that earns you unlimited 2% cash back on every single
purchase. Use what you want, when you want. Yes, even on that coffee and donut.1

Cash Out To Your Bank
Directly deposit cash from your Aven card to your bank account at the same low
rate. Just a one-time 2.5% fee.1

Balance Transfer Other Debt
Transfer your other high-interest credit card or personal loan debt and start
saving thousands in unnecessary interest payments. No gimmicks. Pay the same low
rate. Just a one-time 2.5% fee.1

Flexible Repayment Options
Only pay for what you use. You can make payments like a regular credit card – a
minimum of 1% of the statement balance plus interest. Or for Cash Outs, you also
have the option for fixed monthly payments (Aven Simple Loan).5




NO ANNUAL FEE.1
STARTING AT $0 TO GET.


TYPICAL HOME EQUITY PRODUCTS CAN COST THOUSANDS OF DOLLARS TO ORIGINATE ON TOP
OF THE WEEKS-LONG PROCESS. STARTING AT $0 TO GET A CARD AND AS FAST AS 15
MINUTES.

Origination Fee

$0

Annual Fee

$0

Appraisal Fee

$0

Notary Fee

$0

Prepayment Penalty

$0

Escrow Fee

$0


AS FAST AS 15 MINUTES FROM START TO FINISH

1.

CHECK OFFER

Answer a few simple questions to quickly confirm your identity and home.
Checking your offer does not affect your credit score.

2.

CONFIRM INCOME

A flexible yet simple process to instantly verify your bank account or pay
stubs. You pick which works for you. For some this step is automatically
calculated.

3.

SCHEDULE DIGITAL SIGNING

We seamlessly connect you with our notary to sign your documents entirely
digitally. Credit approval required.

Sorry, your browser doesn't support embedded videos.


$33,249,834.21

Interest saved with Aven6


SAVE UP TO 50% INTEREST.
EVERY MONTH.2

STOP PAYING THOUSANDS A YEAR IN INTEREST FROM YOUR HIGH INTEREST DEBT, LIKE A
CREDIT CARD OR PERSONAL LOAN. SEE THE SAVINGS ON A $10,000 BALANCE IF PAYING OFF
OVER 3 YEARS.3

Aven
Capital One Platinum3
Mid APR
11.49%
30.49%
Monthly
$329.71
$427.20
Total
$11,869.65
$15,379.35
Unnecessary Interest Paid

$3,509.70
Aven
Chase Freedom3
Mid APR
11.49%
24.62%
Monthly
$329.71
$395.59
Total
$11,869.65
$14,241.28
Unnecessary Interest Paid

$2,371.63
Aven
BofA Cash Rewards3
Mid APR
11.49%
22.99%
Monthly
$329.71
$387.05
Total
$11,869.65
$13,933.62
Unnecessary Interest Paid

$2,063.97
Aven
Capital One Platinum
Chase Freedom
BofA Cash Rewards
Midpoint APR
11.49%
30.49%
24.62%
22.99%
Monthly Payment
$329.71
$427.20
$395.59
$387.05
Total
$11,869.65
$15,379.35
$14,241.28
$13,933.62
Unnecessary Interest Paid
$0
$3,509.70
$2,371.63
$2,063.97

The Unnecessary Interest Paid is the interest we will save you over those banks.
Estimate assumes no additional transactions are made and the suggested “monthly”
payment is paid every month for 3 years. Paying only the minimum payment of 1%
principal & interest increases the “Total” amount paid and will not pay off the
balance in 3 years. See Minimum Payment Example for repayment using minimum
payment.

THE APPLICATION PROCESS WAS SUPER SIMPLE UNLIKE ANOTHER REAL ESTATE LINE OF
CREDIT I HAVE EVER APPLIED FOR.”

EDWARD TAMAYO

SET DRESSER

IF YOU’RE ALREADY CONSIDERING A HELOC, GO THIS ROUTE BECAUSE ONE, I THINK IS
CHEAPER. CLOSING COST IS PROBABLY NONE OR VERY LITTLE.”

TOU FOUA VANG

DATA ENGINEER



Honestly, if you own a home and have equity or you think you may have it. Its a
no brainer. The simplest Home Equity Line you will ever find. From app to
finishing took less than 30 mins. I still cant believe it was so easy.

Yurik G


This new product is amazing! I tried to get HELOC on my properties through a
bank and through credit union but I was not able to. Just when I gave up, this
Aven offer came in the mail. I worked with Jag. Spoke with him a few times
before I actually applied. He was super helpful and responsive, as I had a few
glitches. I applied in the evening and was approved and ready to sign with an
online notary the next morning. Really happy with the process. HELOC is slightly
better option, but depending on the goal this product can work just great. Thank
you!

Nina


Aven is perhaps one of the easiest and best ways I have found to use your home's
equity to give you the funding you need for home remodels and repairs as well as
ditching high interest credit cards and accounts. Allowing you to be get out of
debt while improving your home at interest rates way lower than traditional home
equity loans. Sign up was easy and with person to person finalization by a
licensed notary, it puts your mind at ease that this is a legitimate program
designed to help you.

Mark



PEACE OF MIND

WE WANT TO GIVE YOU THE LOWEST RATE, NOT THE FEAR OF USING HOME EQUITY. SO WE
HAVE BUILT-IN SAFEGUARDS TO HELP REMOVE THAT FEAR, ESPECIALLY DURING INEVITABLE
LIFE SURPRISES.



Backed By FDIC Insured Bank
We are partnered with Coastal Community Bank, member FDIC, pursuant to license
by Visa USA Inc. You benefit from our innovation, great pricing, and simple
convenience with the trust of a traditional FDIC-insured bank.

Built In Safeguards
Tools to keep control over your spend and debt. Every time you purchase, you get
an alert on your app. Every time your card is used for a large purchase, your
app will get alerts to approve those big purchases.


THE CARD FOR EVERYTHING

BROKEN PIPE? BATHROOM UPGRADE? TOO MUCH CREDIT CARD INTEREST? USE WHAT YOU NEED,
WHEN YOU NEED. YES, EVEN JUST A DONUT.

P.S. Did you know home improvement projects may be considered tax deductible!
Consult a tax advisor regarding the deductibility of interest and charges.




QUESTIONS?

What is the Aven Home Card?
Aven is a credit card that lets you use your home equity to get really low
rates.
How does it work?
Aven combines the convenience of a credit card with the savings of a home equity
line of credit (HELOC). It works like any other credit card where you can make
everyday purchases and earn unlimited 2% cash back.1
Do you offer a fixed rate?
For Cash Outs, you have the option of fixed monthly payments (Aven Simple Loan).
Lock in your payments for 5 or 10 years. One time 2.5% fee. Available right in
the app.5
What is my monthly payment?
Monthly payments work like a standard credit card. It is calculated as 1% of the
principal balance, plus monthly interest, plus any fees. See Payment Calculator
Can I get cash too?
Yes! You can directly deposit cash from your Aven card to your bank account at
the same low rate. A one-time 2.5% fee applies.1
Does this affect my credit score?
Checking your offer does not affect your credit score. Only once you schedule
with our notary to finalize will we do a hard credit check.
Are there any fees?
We try to reduce as many of the fees as possible. No annual, sign-up, or
pre-payment fees. There is a 2.5% fee on Cash Outs and Balance Transfers and a
$29 late fee if you don’t make the minimum payment.1
Why is the rate variable?
Similar to other credit cards, the rate is variable. It will vary based on the
FFTR-UL as published in the Wall Street Journal, outside Aven's control. As the
FFTR-UL shifts up or down, so will the APR on the Aven Card and any other
variable-rate credit cards, lines, loans. The FFTR-UL may change several times a
year.1 For Cash Outs we offer fixed monthly payments (Aven Simple Loan). Lock in
your monthly payment for 5 or 10 years.5
Why not get a traditional home equity line of credit instead?
Home equity lines of credit often come with high fees (usually over $1000),
minimum advances, minimum credit limits (often at least $50,000), and take 4-6
weeks to close.4 With Aven, you can get your card in just a few days in the
mail, you can use it any number of times for any amount under your limit, with
no origination or annual fees. Best of all, you get cash back on your
purchases.1
What are the criteria to qualify for this credit card?
1) Own and have equity in your home. 2) Have an income that can support your
monthly bill – we don’t want you to get into debt that you can’t afford. 3) Meet
certain credit criteria, including credit score, income, and property value
requirements.


CREDIT CARD IN THE FRONT. HELOC IN THE BACK.

STARTING AT $0 TO GET. CHECKING YOUR OFFER WILL NOT AFFECT YOUR CREDIT SCORE

Mobile Number

Check your offer†

Have an invite code?

Checking your offer will NOT affect your credit score.

†By providing your number, you consent to automated or manual marketing messages
& to Terms of Service. Consent to marketing messages is not required for any
purchase. Text 'stop' to (415) 610-8313 to opt out.


REACH OUT WITH
ANY QUESTIONS

THE EASIEST WAY TO GET IN TOUCH WITH US IS TO SEND US AN EMAIL.

Send Us a Message
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