| Home Equity Line of Credit | Home Equity Loan | |
| Interest rate | Variable | Fixed |
| Reduce your rate when you sign up for automatic payments from a Capital One® checking account | Yes | Yes |
| Reduce your rate when you apply online | No | Yes |
| Pay interest only on amount used | Yes | No |
| Receive cash up front | No | Yes |
| Access cash through checks and Online Banking | Yes | No |
| Overdraft protection against NSF fees | Yes | No |
| Home Equity Line of Credit | Home Equity Loan |
Compare Home Equity Loans and Lines of Credit
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