Turn Your Home Equity into a Financial Solution

The value you’ve built in your home provides a path to simpler finances, debt consolidation, and more financial flexibility.

ESL Home Equity
Line of Credit

Flexible borrowing to help you pay off higher-interest rate debt.

LOW 12-MONTH INTRODUCTORY RATE AT

3.95% APR1

with an LTV up to 90%

then

7.25% APR1

with an LTV up to 80%

Fixed monthly payments with competitive rates for steady, predictable budgeting.

6.75% APR2

with an LTV up to 80%

Borrow From Your Home Equity with ESL

You’ll get:

  • No closing costs3 and no annual fees3
  • Competitive rates1
  • One streamlined payment
  • More financial flexibility
  • Unwavering support and personalized guidance from our team
  • Potential to earn more each year with the ESL Owners’ Dividend4

Let’s take the value of your home and turn it into financial opportunities.

1. HOME EQUITY LINE OF CREDIT: Rate shown as of 9/1/26 and is subject to change without notice. The introductory rate is fixed for 12 months from the time of closing. Thereafter, the contract rate is based on Prime Rate plus your contract margin and may vary monthly but never exceed 15.9%. The Prime Rate is [current prime rate] as of [current prime rate date] and the rate featured is based on a loan-to-value ratio up to 80%. There are other rates available for a loan-to-value exceeding 80%. Minimum line amount is $5,000. Offers are for new accounts only and subject to credit approval. Actual rates may vary. 

2. HOME EQUITY LOAN: Annual Percentage Rate (APR) shown as of 10/2/25 and is subject to change without notice. The rate featured is based on a loan-to-value ratio of up to 80%, terms between 121-180 months and ESL listed as the first lien holder on the property. Payment example on a 15-year term, first lien position, fixed-rate loan of $50,000 at 6.75% APR (as of 10/2/25), 180 monthly payments, has a payment of $442.45. Payment example does not include amounts for taxes or insurance premiums; actual payment obligation will be greater. There are other rates available for a loan-to-value exceeding 80%, for terms between 48-240 months and other ESL lien positions. Minimum loan amount is $5,000. Rates are available to new accounts only and subject to credit approval. Actual rates may vary.

3: ESL pays for all closing costs and fees. However, if you close your account within the first 36 months of your account open date, you must reimburse us for actual costs and fees paid in connection with opening your account. Property insurance and flood insurance, if applicable, are required.

4: Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.