Home Equity Line of Credit in New York

Get your HELOC rate with no impact to your credit score.

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

1. Get your rate online

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

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.

3. Close and have money to spend

Be ready to close in as few as 7 days.

Your next big goal funded quicker and easier

Personalized offer

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

Fast funds

Accept your 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®

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

† For additional information, please click the † symbols throughout this page to view our home equity line of credit disclosures.

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

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