SuperMoney HELOC Review: How the Comparison Page Works
SuperMoney runs a HELOC comparison page that lists lenders with credit score ranges, loan amounts, maximum loan-to-value ratios and user ratings, each with a "Get Started" button that takes you to the lender. It is not a lender. SuperMoney calls itself "an independent, advertising-supported service" that "may be compensated in exchange for featured placement of certain sponsored products," and says that compensation "may impact how and where products appear on this site." This review explains what the page shows, how the order is set, where its explainer gets the math wrong, and what to check before you click. Everything below was checked on SuperMoney's page between October 1 and October 26, 2026.
Partner disclosure. Loans Generator may be paid through an affiliate network when you click or submit a request; this does not change what we report. SuperMoney is one of those affiliate offers, and the review below applies the same checks we use for every home equity provider. Reviews are not for sale; see how we make money.
Key takeaways
- SuperMoney lists HELOC lenders; you choose which one to visit. On October 26, 2026 the "Partner Results" block at the top held two listings, loanDepot and Figure, both labeled "Sponsored"; the lenders shown vary by state.
- SuperMoney says comparing "does not impact your credit score." The lender you apply with will check your credit.
- Its HELOC explainer sizes a credit line as a percentage of your equity. Lenders actually cap the line as a percentage of the home's value, which gives a much smaller number.
- The same HELOC page promotes home equity investments with "no monthly payments." The CFPB has found these are often more expensive than a HELOC.
- Any HELOC is secured by your home. SuperMoney's page says so: you "could lose your home" if you do not make the payments.
This review is part of our guide to home equity loans, HELOCs and refinancing.
SuperMoney HELOC comparison at a glance
| Item | What SuperMoney publishes (October 1, 2026) |
|---|---|
| Operator | SuperMoney, LLC; BBB lists it in Santa Ana, California |
| What it is | "an independent, advertising-supported service"; not a lender |
| How it is paid | Compensated "in exchange for featured placement of certain sponsored products and services, or your clicking on links" |
| Effect on order | Compensation "may impact how and where products appear on this site (including, for example, the order in which they appear)" |
| Credit check to compare | "It's free to compare terms and does not impact your credit score" |
| What each listing shows | Credit score range, amount range, maximum LTV, minimum draw, loan term, user recommendation score and number of reviews |
| Coverage | "our offers do not represent all financial services companies or products" |
| Location | Results are filtered by state; our check showed Ohio by default |
Source: SuperMoney HELOC comparison page, accessed October 1, 2026, and its advertiser disclosure, accessed October 26, 2026.
What the top of the list shows
On October 26, 2026 the "Partner Results" block held two listings, loanDepot and Figure, both marked "Sponsored." The lenders shown change with the state you select.
SuperMoney's advertiser disclosure says it "may be compensated in exchange for featured placement of certain sponsored products," and that its offers "do not represent all financial services companies or products." A "Sponsored" label therefore tells you about placement, not about which lender fits you best. On October 1, 2026 the longer "All Results" list below the sponsored block included Figure and Splash Financial. Because the list is not the whole market, a quote from your own bank or credit union is still worth getting.
The "User Recommendation Score" next to each lender comes from SuperMoney users' reviews; every HELOC lender on the page had 30 or fewer reviews, too few to separate one lender from another with confidence.
Where SuperMoney's HELOC explainer gets the math wrong
SuperMoney's guide on the same page says: "Most lenders will allow you to borrow against at least 75% of your equity. Many will push that up to 80%, 85%, or even 90%." It then gives the example that with "$100,000 of equity in your home, you could get a credit line of $85,000."
That is not how lenders size a HELOC. They apply the percentage to the home's value, then subtract what you already owe. The cap is the combined loan-to-value ratio (CLTV): your mortgage plus the new line, divided by the home's value. Using SuperMoney's own earlier example of a $500,000 home with a $350,000 mortgage:
Figure: hypothetical home value and mortgage taken from SuperMoney's own HELOC guide. CLTV line = (home value × limit) minus mortgage balance: $425,000 minus $350,000 = $75,000 at 85%, and $400,000 minus $350,000 = $50,000 at 80%. Bars are to scale. Not an offer; a lender's appraisal, credit review and income check decide the real line.
The gap matters. A reader who expects a $127,500 line from $150,000 of equity would be planning around a number no lender with an 85% CLTV cap would offer. Run your own figures in the HELOC borrowing calculator, and see how lenders combine CLTV with credit and income in HELOC requirements.
The home equity investment promotion on the HELOC page
Below the HELOC list, SuperMoney promotes home equity investment companies under a headline promising access to your home's equity with "No Monthly Payments," and describes them as "a smart solution" with "easier qualification." These are not HELOCs. You receive cash now and repay a share of the home's future value later, usually when you sell or at the end of a 10 to 30 year term.
The CFPB's January 2025 review of these contracts found they "are expensive compared to other home-secured financing options," that the company "secures their interest with a lien on the property," and that some consumers saw selling the home as their only way to repay. In the CFPB's worked example, a $50,000 contract cost more than a comparable HELOC over 10 years unless the home lost at least 5% of its value. Compare both before you choose: home equity investment vs HELOC.
For a HELOC on your principal home, federal law (12 CFR 1026.15) generally lets you cancel until midnight of the third business day after the account opens, or after you receive the required notice and disclosures if that is later, and the lender must return the fees you paid.
Complaints and regulatory record
BBB. SuperMoney is not BBB-accredited. BBB.org lists 6 complaints in the last three years and none closed in the last 12 months. The BBB profile also carries an impostor warning: the business states that "SuperMoney will never contact you by phone, email, text, or otherwise to offer you a loan other than to communicate about loan application you have already submitted directly on SuperMoney.com." If someone calls claiming to be SuperMoney and asks for an upfront fee, it is not SuperMoney.
CFPB. On October 26, 2026 the CFPB complaint database's company list had no entry for SuperMoney with two or more complaints, and a search of the CFPB's enforcement actions for "SuperMoney" returned no results. Complaints about a HELOC itself would be filed against the lender. Our searches do not cover every state regulator or court.
How we assessed SuperMoney
Our methodology compares these five points for every home equity or refinance provider.
| What we compare | What we found |
|---|---|
| Published fees | Free to compare. Some listings note lender fees; confirm every fee in writing with the lender. |
| Eligibility | Shows each lender's credit score range and maximum LTV as SuperMoney summarizes them. |
| State availability | Results filtered by state; lenders vary by state. |
| Regulatory and complaint record | 6 BBB complaints in three years; no CFPB complaint entry or enforcement action found. |
| Accreditation | Not BBB-accredited. None claimed for HELOCs. |
Who SuperMoney fits, and who should skip it
It may fit you if:
- you want to see several HELOC lenders' published ranges on one page before you share your details with anyone
- you are comfortable clicking through to a lender and applying there
- you want to compare lenders that accept fair credit; see getting a HELOC with a 640 credit score for what that range can expect
Skip it, or read it with care, if:
- you take "Sponsored" as a recommendation. SuperMoney says sponsored placement may be paid for.
- you are relying on its explainer to size your line. Use CLTV math instead, as shown above.
- you are drawn to "no monthly payments." That points to a home equity investment, a different and often more expensive product.
- you want every lender in the market. SuperMoney says its offers do not represent all companies.
Alternatives to SuperMoney
- Your own bank or credit union, which may not pay to appear on comparison sites.
- LendingTree, which sends lenders to you rather than listing them, at the cost of phone calls.
- QuickenLoans.com, a matching service run by LMB Mortgage Services.
Before you click. SuperMoney is a comparison site, not a lender, and the lenders at the top of its list are sponsored. Loans Generator may be paid through an affiliate network if you use the link below; this does not change what we report. A HELOC is secured by your home: if you cannot repay it, you could lose your home. No lender has to approve you, and no rate, line size or approval is promised.
Common questions
Is SuperMoney a lender?
No. SuperMoney describes itself as an independent, advertising-supported service. It lists lenders and links to them; you apply with the lender.
Does SuperMoney affect your credit score?
SuperMoney says comparing terms on its site does not affect your credit score. The lender you apply with will run its own credit check.
Are SuperMoney's HELOC rankings paid?
Partly. SuperMoney's disclosure says compensation may affect how and where products appear, including their order, and on October 26, 2026 both listings in its "Partner Results" block, loanDepot and Figure, were labeled "Sponsored."
How much can I borrow with a HELOC?
Lenders usually cap the combined loan-to-value ratio. At an 85% cap, a $500,000 home with a $350,000 mortgage supports a line of about $75,000 before credit and income checks, not 85% of the $150,000 equity.
Did SuperMoney call me about a loan?
SuperMoney's statement on BBB.org says it will never contact you to offer a loan unless you already submitted an application on SuperMoney.com. Treat unsolicited calls using its name, especially ones asking for an upfront fee, as likely scams.
Sources
- SuperMoney, "Best Home Equity Lines of Credit for October 2026," including listings, HELOC guide and home equity investment section, accessed October 1 and October 26, 2026.
- SuperMoney, advertiser disclosure and footer on the HELOC comparison page, accessed October 26, 2026.
- Better Business Bureau, SuperMoney profile and complaints, accessed October 26, 2026.
- Consumer Financial Protection Bureau, Consumer Complaint Database, queried October 26, 2026.
- Consumer Financial Protection Bureau, Enforcement actions, searched October 26, 2026.
- Consumer Financial Protection Bureau, "What is a home equity line of credit (HELOC)?", accessed October 26, 2026.
- Consumer Financial Protection Bureau, "What you should know about home equity lines of credit" booklet, accessed October 26, 2026.
- eCFR, 12 CFR 1026.15, Right of rescission, accessed October 26, 2026.
- Consumer Financial Protection Bureau, "Issue Spotlight: Home Equity Contracts: Market Overview," January 15, 2025, accessed October 26, 2026.
- Better Business Bureau, “SuperMoney business profile and complaints”
- Consumer Financial Protection Bureau, “Enforcement actions (search: SuperMoney)”
- Consumer Financial Protection Bureau, “What you should know about home equity lines of credit (booklet)”
- Consumer Financial Protection Bureau, “Issue Spotlight: Home Equity Contracts: Market Overview (January 15, 2025)”
Loans Generator is not a lender or mortgage broker and does not make credit decisions. Links on this page lead to third-party sites with their own terms and privacy policies. We cannot guarantee approval, rates or terms. A HELOC is secured by your home, and you could lose your home if you do not repay. SuperMoney listings cited here were checked on October 1 and October 26, 2026 and change without notice. This page is general information, not legal, tax or financial advice.