Trovy

Trovy is a consumer fintech company offering a home equity line of credit (HELOC) with card-based access, allowing homeowners to tap their home equity like a credit card anywhere Mastercard is accepted. The Trovy HELOC provides credit lines up to $250,000 with rates as low as 5.99% variable APR, no upfront draw required, and no lender fees at closing for qualifying loan sizes. Homeowners can apply 100% online and access funds in as few as four days, with the option to convert balances to fixed-rate installment plans via the FixedPay feature. The company operates as Trovy Lending Co. and targets homeowners looking to consolidate high-interest debt, fund renovations, or build emergency reserves at mortgage-level rates.