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Home Equity Loan Rates

Home Equity Loan 1st Lien Rates

Loan Amount
Maximum Loan to Value
Term in Months
APR as Low as
Loan Amount $5,000 - $24,999
Maximum Loan to Value Up to 80%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 5.00% 5.15% 5.40% 5.85%
Loan Amount $25,000 - $49,999
Maximum Loan to Value Up to 80%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 4.75% 4.90% 5.15% 5.60%
Loan Amount $50,000 or More
Maximum Loan to Value Up to 80%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 4.60% 4.75% 5.00% 5.45%
Loan Amount
Maximum Loan to Value
Term in Months
APR as Low as
Loan Amount $5,000 - $24,999
Maximum Loan to Value Up to 90%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 5.50% 5.65% 5.90% 6.35%
Loan Amount $25,000 - $49,999
Maximum Loan to Value Up to 90%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 5.25% 5.40% 5.65% 6.10%
Loan Amount $50,000 or More
Maximum Loan to Value Up to 90%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 5.10% 5.25% 5.50% 5.95%

 

Home Equity Loan 2nd Lien Rates

Loan Amount
Maximum Loan to Value
Term in Months
APR as Low as
Loan Amount $5,000 - $24,999
Maximum Loan to Value Up to 80%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 5.75% 5.90% 6.15% 6.60%
Loan Amount $25,000 - $49,999
Maximum Loan to Value Up to 80%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 5.50% 5.65% 5.90% 6.35%
Loan Amount $50,000 or More
Maximum Loan to Value Up to 80%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 5.35% 5.50% 5.75% 6.20%
Loan Amount
Maximum Loan to Value
Term in Months
APR as Low as
Loan Amount $5,000 - $24,999
Maximum Loan to Value Up to 90%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 6.25% 6.40% 6.65% 7.10%
Loan Amount $25,000 - $49,999
Maximum Loan to Value Up to 90%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 6.00% 6.15% 6.40% 6.85%
Loan Amount $50,000 or More
Maximum Loan to Value Up to 90%
Term in Months 48-60 61-120 121-180 181-240
APR as Low as 5.85% 6.00% 6.25% 6.70%

Rates accurate as of

APR = Annual Percentage Rate. Rates subject to approval. Rates shown are for new loans only and cannot be used to refinance existing ESL equity debt. ESL waives the closing costs for a home equity loan. 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 the opening of your account. Minimum loan amount is $5,000.

Payment Examples