Trovy is building the financial home base for homeowners: A suite of products that turns home equity into a flexible, lifelong financial tool, starting with the Trovy HELOC Card and expanding across the homeowner journey.
Trovy (trovy.com) has 199 customer reviews on Five Star Index, with an average rating of 4.9 out of 5.
Also known as
trovy.com
Website
trovy.com
Category
Investments & Wealth
Location
New York, New York
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 71% of reviews.
Latest
Most recent review: October 2026.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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It was easy for the most part. There were continued delays - due to the application timing when it was not my fault but under review, expired, then starting all over again. Once I got the actual person on the phone things went much quicker and could push things through. It all worked out in the end. Signed docs today. Was happy with the credit line amount.
Response from TrovyOct 16, 2026
Sheila, thank you for sharing your experience, and congratulations on signing your documents! We’re sorry about the delays with your application expiring and having to start over. We know your time is valuable, and we’re continually working to streamline things. We’re glad our team was able to help push things through once you connected with them, and that you’re happy with your credit line amount. Thank you for choosing Trovy!
BK
Bob K.
Easy application process
Easy application process
CU
customer
Personal HELOC
Was a very easy experience to get set up
Response from TrovyAug 24, 2026
Thank you for your review. Please let us know how we can make your experience even better.
DO
Doug
Competitive rate, mostly smooth, quick process.
Good: 1) Very competitive rates. I have excellent credit and got Prime + 0. 2) Very fast process overall. I was approved within an hour of starting the process. 3) Responsive customer service/tech support. I had an issue with the application and they fixed it quickly.
Not as good: 1) Note: this is more of a preference. They need your USERNAME AND PASSWORD to your bank to verify your income. That made me very uncomfortable. 2) The process did have a few hitches and "side quests" due to a 100% online process (even the document signing process.) I think it will get better over time. 3) (Related to #1 above). If Trovy is similar to other online lenders, they will continue to monitor your banking activity and could unilaterally raise your interest rate. We shall see how that goes.
Overall: I recommend the product if you are comfortable with technology (and giving them access to your bank account).
Response from TrovyMay 12, 2026
Doug,
Thank you so much for this thoughtful review, and welcome to Trovy! We're thrilled the approval was fast and that our team was able to jump in quickly when you hit a snag.
We did want to clarify a few things on the bank connection, because we completely understand why that gave you pause:
**Bank linking is optional.** It's one way to verify income, but you can always upload documents (pay stubs, tax returns, etc.) instead — no bank credentials required. That choice is entirely yours.
**We never receive your credentials.** The bank connection is handled through a secure third-party service (similar to how many financial apps work). Your username and password go directly to that service — Trovy never sees them.
**We don't have ongoing access to your accounts.** Once verification is complete, that's it. We're not monitoring your banking activity.
**We can't change your rate based on income changes after your loan closes.** Your APR is tied to the Wall Street Journal Prime Rate plus your margin, not your income or account balances. We have no mechanism to unilaterally raise your rate based on anything else.
Thanks again for recommending Trovy, and please don't hesitate to reach out if anything comes up!
MH
Mark H.
Its was quick and easy application and…
Its was quick and easy application and approval
RY
Russ Y.
The representative was excellent
The representative was excellent, did not push their product and listened to my needs. I had already explored a similar product offered by a competitor but this one had half the fees and gave me exactly what I wanted to make a long-term relationship so I can use this product on other projects I am doing.
