Did you hear? Rates have dropped.

Explore what a home equity line of credit could do for you. Get your HELOC rate with no impact to your credit score.

Get My Rate

3 easy steps from start to finish

Getting your personalized HELOC rate to having cash in hand is as easy as 1-2-3

Get started with Citizens Fastline®

1. Get your rate online

It only takes a few minutes to get an accurate personalized HELOC offer before you apply. No estimates — skip the calculator.

View and accept your personalized offer

2. View and accept your rate

Review your personalized offer, which includes your rate and line amount. If it looks good to you, you're ready to apply for a HELOC.

Accept your Citizens Fastline® offer

3. Close and have money to spend

Be ready to close on your HELOC in as few as 7 days.

Borrow at the speed of life

Your next big goal funded quicker and easier

Personalized offer

Know your HELOC rate and line amount in minutes with our new digital experience. There will be no impact to your credit score.

Fast funds

Accept your HELOC offer, be ready to close in as few as 7 days and start spending in as little as 2 weeks. Access your account wherever you are, online or mobile.†

Low rates

Take advantage of our low rates with no application fee or closing costs.†

Long-term flexibility

Enjoy a borrowing period of 10 years with no minimum draw. Use it for what you need today and tomorrow.†

A child being held in the air by his father. The child is wearing pilot's goggles and has cardboard wings

You're ready for Citizens FastLine®

Citizens FastLine is our digital application experience that allows you to get a home equity line of credit faster and with less paperwork. Receive a personalized offer in 2-3 minutes and start funding your project in as little as 2 weeks.

Get My Personalized Rate

Home Equity Line of Credit (HELOC) basics

Everything you need to know to fund your goals with a Home Equity Line of Credit, from how it works, when to use it and how to calculate your home equity.

Home Equity Line of Credit basics

Resources to help existing HELOC customers

Questions about your account? Where to make payments? How to get specialized help? Get the answers you need and make the most of your Home Equity Line of Credit.

Tips and tools for existing customers

Citizens GoalBuilder® HELOC

Unsure if you qualify for a traditional HELOC? We'd like to help you get cash for what you need today with our GoalBuilder HELOC†, so you can avoid more expensive borrowing options such as credit cards or personal loans.

Learn More

© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

    Citizens HELOC disclosure: Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960) All loans are subject to approval.

    State availability disclosure: Citizens provides HELOCs in the following states: AL, AR, CT, DC, DE, FL, GA, IA, IL, IN, KY, MA, MD, ME, MI, MN, NC, NE, NH, NJ, NY, OH, OK, PA, RI, SC, SD, TN, VA or VT.

    Wireless disclosure: Wireless carrier, text, and/or data charges may apply.

    Equal Housing Lender