family enjoying their living room

get up to $500,000—fast, simple, flexible.

 
Secure easier approval with options for FICO as low as 640 and discounts for well-qualified borrowers
 
Access up to 90% of your home's equity—banks and personal loans can't compete
 
Get cash fast—up to $500,000 funded in 21 days on average
 
Customize your loan with flexible terms—5 to 30 years and options featuring 10 years of interest-only payments
 
Enjoy faster, easier digital forms with dedicated experts to help when you need it
 
Use your cash to pay off debt, do home improvements or anything else.
 
 

take a moment to customize your cash options

Submit this form today—get cash in as few as 14 days. It's that simple.

 

 
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flexible HELOC solutions

 
To get fast, flexible access to your home's equity, a Spring EQ Home Equity Line of Credit (HELOC) may be right for you.
 
A HELOC is alot like a revolving line of credit. You borrow a "line" from your home's available equity that you can draw on as you need the money. The benefit is that you only have to pay back the amount you draw from your HELOC. 
 
Another benefit? Spring EQ offers HELOCs with up to 10 years of interest-free payments, so you can enjoy lower monthly payments.

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fixed-rate home equity loans
beat refinancing

 
With rates and home values the way they are, homeowners who want to access their equity but have a low mortgage rate love home equity loans.
 
You can get up to $500,000 but keep your low mortgage rate. And with a home equity loan, you lock in a fixed rate and monthly payment you can count on.
 
Spring EQ offers flexible home equity terms: choose from five years up to thirty years.
 
 

take a moment to customize your cash options

Submit this form today—get cash in as few as 14 days. It's that simple.

 

 

more people than ever are choosing Spring EQ

Why are we one of the fastest growing and most highly rated lenders in America?

Because we treat you the way we want to be treated: with respect and integrity.

 

  LT_2018-2022-1 copy    Google ranking for Spring EQ almost 5 stars    Spring EQ Best Home Equity Lender award with Bankrate    Spring EQ A+ rating with BBB
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people first,
fueled by tech

 

Traditional loans are painful: slow, confusing and full of paperwork. Our technology and process are designed to streamline things.

 

To inform and empower you—so you can focus on what's important.
 
Our wide variety of solutions along with our seamless, simple and digital process mean faster funding and less frustration for our customers—and loans our investors and partners can trust

homeimprovement_drill_dog

customized loans
our customers love

 
We wake up every morning with one focus: to deliver a mortgage experience combining a leading edge digital process with expert, friendly guidance and support.
 
Customize a home equity loan that works for you: Choose from HELOC or fixed-rate with terms from 5 to 30 years.
 
No need to refinance: Get the cash you need—with a monthly payment that works for you.
 
 
 
 
 

take a moment to customize your cash options

Submit this form today—get cash in as few as 14 days. It's that simple.

 

 
© 2025 Spring EQ LLC - NMLS ID # 1464945
 
 
 
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1 West Elm St, Ste 450 Conshohocken, PA 19428-4152, 888-978-9978

 

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    *Details to note:

    This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

    Spring EQ customers get their cash on average in 21 business days, and as fast as 14 days. This average time is measured from the time we receive all requested documents and assumes your stated income, property and title information provided in your loan application matches your documents and any supporting information collected. The time period calculation to get cash is based on the average funding turn times over the first four months of 2023, assumes the funds are wired, excludes weekends and excludes the government mandated disclosure waiting period. Typical applicants are required to provide a current and valid completed application, proof of income, mortgage statement, home hazard insurance, and a photo ID.

    Please Note: Spring EQ does not provide tax, legal, investment or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, investment or accounting advice. You should consult your own tax, legal, investment and accounting advisors before engaging in any transaction.

    Applicants are typically not required to provide proof of assets, and proof of income may be more extensive for self-employed borrowers. Quarterly, we calculate The Spring EQ Cash-In-Pocket Index™ which is the average reduction of our customers debt payments where at least one debt was paid off with loan proceeds. The most recent Cash-In-Pocket Index™ reported a reduction in debt payments of $530.

    Any pre-qualification is in no way a pre-approval, indication of eligibility, or binding underwriting decision.

    All borrowers will be required to meet Spring EQ's current underwriting guidelines including verification of applicant’s credit profile, debt-to-income ratio, and home’s current value. Eligible Home Equity Loan borrowers must have a FICO score of 640 and meet all other qualifying criteria in Spring EQ's current underwriting guidelines. Refinance transactions may increase total finance charges over the life of the loan. Speak to a loan officer for details. Eligible Home Equity Line of Credit borrowers must have a minimum FICO score of 640 and meet all other qualifying criteria in Spring EQ's current underwriting guidelines. Spring EQ offers Home Equity loan options up to 90% of primary residence value for qualified borrowers (and up to 80% for second home or investment properties).

    The maximum Home Equity loan or Home Equity Line of Credit amount Spring EQ offers is $500,000.

    For details, call 888-978-9978 to speak to a licensed Spring EQ Loan Officer. Please Note: Any reference to news organizations or outlets and/or their logos or likenesses on these webpages are solely in reference to the inclusion of relevant home equity, mortgage or interest rate subject matter in current, publicly available national news items and cycles and are not meant to imply endorsement of Spring EQ in any way.