How can I use a line of credit?

There are plenty of ways to put a HELOC to good use. Here are just a few to get the wheels turning: Home improvements. Use your HELOC to pay for ongoing projects that increase the value of your properties — interest payments can be tax deductible. Medical expenses. Take advantage of HELOC's low interest rates and flexible repayment terms for large or ongoing medical expenses. Tuition or education costs. Lower interest rates and flexibility in ongoing spending make HELOC a great alternative to student loans. Starting a business. Ready to make those ice cream shop dreams a reality? HELOC offers lower interest rates than a small business loan and flexible spending works for start-up launch costs or acquiring a new venture. Debt consolidation. Tackle all of your outstanding high-interest loans or credit card debt in one swoop with a HELOC, and find relief with interest-only payments during the draw period. Large purchases. Hey, it's your HELOC — spend it how you want, no restrictions.

Is a home equity line of credit the same as a home equity loan?

Not quite. A line of credit is a revolving loan, and it's the most flexible cash-out option for tapping into home equity. You borrow just as much or as little as you need.

What are the benefits of a HELOC?

There are plenty of reasons to consider a HELOC, but here are a few standout advantages: Secure funds & great rates. Quick, simple transfer of funds. Enjoy a 7-year Interest-only draw period. Don't sweat extra fees - there are none.

Apply in minutes

Get more out of your home equity with an nbkc HELOC.

Q: How much do I qualify for?

That can vary based on a variety of factors. Try our free online mortgage rate calculator. Final home value to be determined by nbkc bank appraisal. The sample information provided in this calculator is for informational, educational, and entertainment purposes. Hypothetical illustrations do not guarantee historical or future results. It is the responsibility of the borrower to evaluate loan offers and associated risks or rewards of each product.

A welcoming rate.
Get a 5.99% APR HELOC for the first 6 months with a thereafter rate as low as 8.00% APR.¹
A line of credit lickety split.
On average, your funds will be available within 14 days.
Coverage from coast to coast.
Our HELOC is available in all states except Texas.

5 stars from Nerdwallet based on 14K customer reviews.

How much could you get?

You may be sitting on more cash than you realize. Let’s estimate what you’re working with — no strings attached.

* Important information about our HELOC calculator:

Final home value to be determined by nbkc bank appraisal. The sample information provided in this calculator is for informational, educational, and entertainment purposes. Hypothetical illustrations do not guarantee historical or future results. It is the responsibility of the borrower to evaluate loan offers and associated risks or rewards of each product.

What you could do with a HELOC.

Home renovations

An alternative to student loans

Debt consolidation

Raise the limit of your emergency fund

Learn More Before You Apply.

Not ready to apply just yet? No problem. Let us know a little about you, and we’ll reach out to answer your questions and help you explore how a HELOC could fit your needs.

Getting a HELOC is as easy as...

Check Eligibility & Gather Necessary Information

Ensure you meet the basic requirements (have a good FICO score, have at least $25,000 worth of equity in your home, live in one of the 50 U.S. States excluding Texas, reside in a single family owner occupied home, etc) and gather necessary documents, including proof of income, property information, and identification.

Complete the Application

Click here to start your application. The application process typically takes about 10-15 minutes.

Wait for Approval & Finalize your Loan

After submitting your application, a nbkc’er will review your information and be in touch as soon as possible. For a new HELOC, nbkc bank makes funds available on average within 14 working days.

¹APR = Annual Percentage Rate. Offer is not available in Puerto Rico, Guam, US Virgin Islands, American Samoa, or Commonwealth of the Northern Mariana Islands. Loan approval and loan amount is subject to underwriting, credit qualifications and bank determined property value through a desktop appraisal. Property ownership and property type restrictions may apply. nbkc bank does not offer HELOCs for second residences. Rates and offer may change or be discontinued at any time and without notice. Rates are based on the Prime Rate published in the Wall Street Journal plus margin but will never exceed 18% APR. Rates as of 12/07/2025. Consult a tax advisor regarding the deductibility of interest. nbkc bank customers are eligible for bank paid third party fees up to $1,000. Borrowers must pay all third party fees exceeding $1,000 at closing. If a HELOC is modified or refinanced, the borrower does not qualify for bank paid fees or the introductory rate. The introductory rate is given once per the life of loan on a residence. Minimum loan amount of $25,000. Securities and investment advisory services are offered through Osaic Wealth, Inc., broker-dealer, registered investment adviser and member of FINRA and SIPC. Osaic Wealth, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth, Inc.