Spring EQ makes home equity easy. Borrow up to $500,000 of your home's equity. Always hassle free.

The Spring EQ Difference

You have options when it comes to borrowing money to fund your goals, but only Spring EQ's loans combine the very best features of all of them.

Join other smart homeowners and make your goals a reality with a home equity loan.

Home Improvements

Debt Consolidation

College & Education

Everything Else

Get a decision in minutes and your money in as few as 2 weeks.

• Quick and simple process with 100% transparency
• Great competitive fixed rates
• Get a free, no-obligation quote
• No in-home appraisal necessary*

* Details to note:
Income documents may be more extensive for self-employed applicants. Loans above $175k will require an in-home appraisal. Loans above $250,000 require title insurance. Quarterly, we calculate The Spring EQ Cash-In-Pocket Index™ which is the average reduction of our customers debt payments where at least one debt was paid off with loan proceeds. The Q1 2019 Cash-In-Pocket Index™ reported a reduction in debt payments of $513.
Typical applicants are required to provide a current and valid completed application, proof of income, mortgage statement, home hazard insurance, and a photo ID. Applicants are typically not required to provide proof of assets, and proof of income may be more extensive for self-employed borrowers. Any pre-qualification or “Home EQ” value is in no way a pre-approval, indication of eligibility, or binding underwriting decision. All borrowers will be required to meet Spring EQ's current underwriting guidelines including verifications of applicant’s credit profile, debt-to-income ratio, and home’s current value.
For example, an applicant with owner-occupied single family home in Pennsylvania, credit score of 740, and 60% combined loan-to-value (LTV) which includes the first mortgage, and a debt to income ratio of 43% with a term of 20 years and NO points, would result in 4.99% rate and an Annual Percentage Rate (APR) of 5.205% The actual APR is subject to change based on settlement date chosen by borrower and the subsequent interim interest due from settlement date and 1st schedule payment.  Eligible borrowers must have a FICO score of 640 or greater and debt-to-income ratio of 50% or less.  Spring EQ offers options up to 100% of your home value for qualified borrowers.

How to Get a Loan?

Online personal loans can be the right solution to your financial troubles because they are easily obtained and easily repaid, and the costs associated with them are highly comparable to other forms of credit as long as they are repaid on time. Bad credit or no credit are also welcomed to try to get connected with a lender.

Online App

There are no fees to submit your request and no obligation to accept the loan

Security

You can be sure that your information remains absolutely secure with us

Quick Response

After you submit your information we can connect you with a lender

Money In 24hrs

If you agree to the lender's terms, e-sign the contract and have cash deposited into your account

How to Get a Loan?

Online personal loans can be the right solution to your financial troubles because they are oftentimes easily obtained, easily repaid, and the costs associated with them are highly comparable to other forms of credit as long as they are repaid on time. Bad credit or no credit are also welcomed when connecting with a lender. Simply choose one of our partners you wish to work with and fill out the application. Most all loan applications take 5 minutes or less.