Louisiana Home Equity Loan

You've invested a lot in your home—put your equity to work! The funds are yours to use any way you like: consolidate debt, pay college tuition, or make home improvements. Earn a discount if you apply online.

  • No prepayment fees
  • Interest rates as low as 5.88% APR on loan amounts of $50,000 or greater for 60 months1
  • Up to 20-year term available
  • Money received in a lump sum
  • Tax deductions potentially available on interest paid—tax advisor should be consulted
  • Simple application, quick decision
  • Option to defer your first payment for 60 days
  • 0.25% APR discount with online application2 
  • 0.25% APR discount with automatic payments from Capital One BankSM  branch checking or savings account3

After submitting your application, you will be required to visit a branch office in Texas or Louisiana to complete the process.

or call toll-free 1-800-664-0960
spacer
Need a recommendation?
1-800-664-0960
Monday-Saturday
Se habla español.
spacer
Apply online and save
A special discount is offered for this loan product if you apply online.
Normal credit qualifications and other terms and conditions apply. Rates subject to change without notice.

Subject to a $99 origination fee. Home equity loans are subject to satisfactory appraisal, title search and proof of ownership. Lender closing fees, typically ranging between $100 and $1,300 are waived. Other fees, such as attorney fees and title insurance (if applicable), will not be waived. These fees typically range between $750 and $4,400, depending upon the circumstances of your loan. Local parish tax fees may also apply and are not waived. For Orleans Parish, the $325 Documentary Transaction Tax is not waived. Consult your banker for additional details.  Proof of income required for loans $50,000 or greater. Financial statement and two previous years' federal tax return with attached schedules required for loans $250,000 or greater. Please see a Capital One Bank representative for more details on Loan to Value requirements.

1Home Equity loans as low as 5.88% APR for 60 months with automatic payments from a Capital One Bank branch checking or savings account and online application on loans of $50,000 or more (e.g. 60 monthly payments of $19.28 per $1,000 borrowed). Rates are valid for first lien position. Other terms and rates are available. Rates subject to change without notice.

2The 0.25% APR online application discount is only available for loan applications made online at www.capitalonebank.com. The entire loan amount must be for $10,000 or more in new money and does not apply to existing loans or lines of credit with Capital One, N.A. The online offer is not available in bank branch locations or through Capital One, N.A.’s call center. The online application discount is not available on home equity lines of credit, unsecured lines of credit, first mortgage purchase loans, lot/acreage loans, CD-secured loans, and savings secured loans.

3Stated margin includes a 0.25% APR discount when you set up automatic payments from your Capital One Bank’s branch checking or savings account.  APR may increase if automatic payments are not maintained.