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Citizens Bank HELOC: how to apply now!

Find out how to apply for the Citizens Bank HELOC and get incredible perks for your home equity!

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Online or by the app: it can be easy to apply for Citizens Bank HELOC!

Happy couple, hands and keys for real estate purchase, property or homeowner with mortgage loan or finance.
Find out how easy it is to apply for Citizens Bank HELOC Source: Adobe Stock

If you’re a homeowner looking to access the equity in your primary or secondary home, Citizens Bank HELOC can be a great option. So, read on to apply for Citizens Bank HELOC!

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Bank

Citizens Bank HELOC

line of credit mortgage

Find flexible terms and incredible banking experience!

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Find flexible terms and incredible banking experience!

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Also, with competitive rates starting at 5.25% APR, low origination fees, and flexible terms of up to 15 years, this loan product offers a variety of benefits. But how do you apply for Citizens Bank HELOC? Let’s find out.

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Apply online

One way to apply for Citizens Bank HELOC is through their online application process. To get started, visit the Citizens Bank website and click on the “Apply Now” button for HELOC.

Also, from there, you’ll be asked to provide personal and financial information, including your name, address, employment status, income, and information about your home’s value and mortgage balance.

Therefore, once you’ve completed the online application, you’ll typically receive a decision within a few business days. If approved, you can start accessing your line of credit as needed.

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Requirements

Handsome bearded male realtor in suit with documents in his hands advises young couple before buying new house.
Check out the requirements! Source: Adobe Stock

Citizens Bank doesn’t disclose specific credit score requirements for their HELOC product.

However, they do state that your creditworthiness, income, and other factors will be taken into consideration during the application process.

Moreover, having a strong credit history and stable income can improve your chances of being approved for a HELOC.

In addition, you’ll need to have equity in your primary or secondary home to qualify for a HELOC. This means that the value of your home should be greater than the amount you owe on your mortgage.

Apply on the app

Another way to apply for Citizens Bank HELOC is through their mobile app. This can be a convenient option if you prefer to manage your finances on the go.

Therefore, to apply through the app, simply download the Citizens Bank app from the App Store or Google Play, and follow the instructions to apply for a HELOC.

Citizens Bank HELOC vs. Figure Home Equity Line of Credit: which one is the best for you?

When it comes to home equity lines of credit, there are several options on the market. One product that’s worth considering is the Figure Home Equity Line of Credit.

Also, while both offer HELOCs, they have different terms, fees, and requirements.

Citizens Bank HELOC has a lower starting APR at 5.25% compared to Figure’s 6.55%, but Figure offers a longer repayment term of up to 30 years.

Therefore, Citizens Bank HELOC is primarily for home equity, while Figure allows for various purposes such as home improvements and debt consolidation.

Consider your needs and preferences to determine which lender is the best fit for you:

Citizens Bank HELOCFigure Home Equity Line of Credit
APRStarting at 5.25%6.55% – 15.54%;
Loan PurposeEquity of primary or secondary homeHome improvements, Fund a small business, Debt consolidation, Pay for college tuition;
Loan Amounts$17,500 to $2 million$15,000 to $400,000;
Credit NeededNot Disclosed 640 minimum;
Terms15 years5, 10, 15, or 30 years;
Origination Fee$504.99%;
Late FeeNot Disclosed Not Disclosed
Early Payoff PenaltyNot Disclosed Not Disclosed

Therefore, if you’re interested in applying for a Figure Home Equity Line of Credit, it’s important to know the application process.

So, check out our “How to Apply for a Figure Home Equity Line of Credit” article to learn more.

Figure Home Equity Line of Credit

Figure Home Equity Line of Credit

Applying for the Figure Home Equity Line of Credit is quick and easy, and you can complete the process entirely online. Check out!

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Figure Home Equity Line of Credit

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About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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Under no circumstance we will require you to pay in order to release any type of product, including credit cards, loans or any other offer. If this happens, please contact us immediately. Always read the terms and conditions of the service provider you are reaching out to. We make money from advertising and referrals for some but not all products displayed in this website. Everything published here is based on quantitative and qualitative research, and our team strives to be as fair as possible when comparing competing options.

Advertiser Disclosure

We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Editorial Note

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

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