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Get an easy home equity line of credit: Citizens Bank HELOC review!

Flexible terms up to 15 years, loan amounts up to $2 million, and some drawbacks. Check out our Citizens Bank HELOC review!

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Up to $2 million with 15 years of payment

Real estate agents businessmen shake hands after the signing of the contract agreement is complete.
Check out our Citizens Bank HELOC review! Source: Adobe Stock

Looking for a flexible and convenient way to borrow money for your home? Check out our Citizens Bank HELOC review! With competitive rates starting at 5.25%, this loan product is perfect for homeowners.

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Interested in a home equity line of credit from Citizens Bank with flexible terms? Learn how to apply for Citizens Bank HELOC!

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So, learn more about the characteristics of this loan option.

APRStarting at 5.25%
Loan PurposeEquity of primary or secondary home
Loan Amounts$17,500 to $2 million
Credit NeededNot Disclosed 
Terms15 years
Origination Fee$50
Late FeeNot Disclosed 
Early Payoff PenaltyNot Disclosed 

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Citizens Bank HELOC overview

The APR for Citizens Bank HELOC starts at 5.25%, which is competitive compared to other home equity loan products on the market.

After all, the loan amounts range from $17,500 to $2 million, giving borrowers the flexibility to borrow according to their specific needs.

The loan terms for Citizens Bank HELOC are up to 15 years, which is relatively standard for home equity loan products.

Additionally, the origination fee for this loan is only $50, making it a low-cost option for homeowners looking to borrow against their home equity.

Moreover, it’s important to note that Citizens Bank does not disclose the credit score requirements for its HELOC product.

However, it’s likely that having a higher credit score will improve your chances of approval and help you qualify for better rates.

Overall, Citizens Bank HELOC is a great option for homeowners looking to access their home equity in a flexible and convenient way.

With competitive rates and low fees, this loan product is definitely worth considering for your borrowing needs.

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Is it worth it to apply for Citizens Bank HELOC?

People meeting
See if you should apply for this HELOC! Source: Adobe Stock

If you’re a homeowner looking for a flexible and convenient way to access the equity in your primary or secondary home, then Citizens Bank HELOC is definitely worth considering.

Moreover, this loan product offers several benefits, including competitive rates starting at 5.25% APR, low origination fees, and flexible terms of up to 15 years.

Also, one of the major advantages of Citizens Bank HELOC is that you can access funds on an as-needed basis.

However, there are some potential drawbacks to consider as well.

For instance, Citizens Bank does not disclose the credit score requirements for their HELOC product, which could make it difficult for some borrowers to qualify for the loan.

Additionally, there may be late fees and early payoff penalties associated with the loan, which could impact the overall cost of borrowing. So, check out the pros and cons.

Benefits

  • Competitive APRs start at 5.25%;
  • Loan amounts up to $2 million;
  • Easy and convenient access to funds;
  • Low origination fees;
  • Also, flexible terms of up to 15 years.

Disadvantages

  • Unclear credit score requirements;
  • Also, possible late fees and early payoff penalties.

What credit score is required for the application?

It’s important to know what credit score is required for the application process. Unfortunately, the bank does not disclose this information.

However, it’s likely that a higher credit score will improve your chances of approval and help you qualify for better rates.

How does the application process work?

In summary, Citizens Bank HELOC is a great option for homeowners looking to access equity in their primary or secondary homes.

Therefore, with competitive rates, flexible terms, and easy access to funds, this loan product is definitely worth considering.

Just be sure to review the terms and potential fees before you apply carefully.

Citizens Bank logo

Apply for the Citizens Bank HELOC

Interested in a home equity line of credit from Citizens Bank with flexible terms? Learn how to apply for Citizens Bank HELOC!

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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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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.

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