Introducing Better Home Card
A Better way to pay for everything home
A personal line of credit up to $50,000 to furnish, decorate, and renovate. One year to spend and 3-5 years to pay back only what you use.
Fixed rates as low as 7.99% APR
Interest only payments in year one
Pay vendors with card, check, or cash
Apply in minutes, free to open
Personal line of credit provided by Notable Finance.
Applying will not affect your credit score.
Better Home Cardholders who fund with Better Mortgage will
With the Better Home Card
Furniture
Rugs
Appliances
Renovations
More
Apply in minutes. No hard credit check.
Time to make your vision board a reality
In the past, getting financing for your home projects was either expensive or time-consuming or both. Now there’s a Better way.
Perfect for just in case
Only pay on what you use
With home improvement projects, you often don’t know exactly what you’ll end up spending. The Better Home Card only charges interest on what you spend over the course of a year, so you’re not paying interest on funds you didn’t use.
Starting at
7.99% APR
Average
9.68-29.92% APR
Average
15.25-26.99% APR
Personal Loans2
Credit cards3
Low interest rates
No more overpaying on your home purchases
There’s a pride that comes with making a house your own. Now it’s easier to do just that without paying sky-high interest rates.
Save on home spend
Exclusive homeowner perks
No one wants 2x points on dining this month when you just spent $6,000 on a custom countertop. The Home Card aligns the biggest perks with the biggest spend. Full list of discounts in FAQ below.
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Convenience
One card. Many ways to pay.
The Better Home Card provides one central place to cover all your home spend by letting you pay vendors how they’d prefer—card, cash, or check.
Home goods and services: Pay with card
Swipe your debit card and you’re all set
Small jobs: Pay in cash
Transfer funds from the card to your bank
Contractors: Pay with a check
We’ll even mail a check directly to your vendor
New homeowners love the Better Home Card
FAQs
Who is Better Home Card for?
Partnering with Notable Finance, LLC, we’re introducing the Better Home Card for homeowners, so they can access up to $50,000 at a low interest rate and unlock exclusive perks along the way. So if you’ve got a home improvement in mind, or just want a safety net for unexpected repairs, apply for a Better Home Card. If you don’t use it, you don't owe anything.
What is the Better Home Card?
The Better Home Card is provided by Notable and is a closed-end, unsecured line of credit up to $50,000, with up to 20% cash back applied toward your balance at participating home goods and hardware stores. The line of credit is issued on a debit card to be used specifically on your home-related spending. The Better Home Card offers fixed rates as low as 7.99% APR, with 3 or 5 year terms. You can choose to use your maximum line of credit amount, but are under no obligation to use the entire amount. You only repay interest and principal on the amount you’ve borrowed during the 12 month draw period.
Who is Notable?
Notable is the lender that provides the Better Home Card. When you get a Better Home Card, you are getting the personal line of credit from Notable.
Is the Better Home Card a credit card?
No, the Better Home Card is a line of credit with much lower interest rates than a traditional credit card. We issue you a card so you have an easy way to access your funds. You can also use your Better Home Card funds to make payments to vendors by cash or check in just a few easy steps. To learn more about your vendor payment options please contact Notable.
How is the Better Home Card different from a HELOC?
A HELOC is a home equity line of credit secured by your home’s equity, whereas the Better Home Card is an unsecured line of credit. This offering is intended specifically for home improvement use, but not secured by a lien on your home. It is also a closed-end personal line of credit, meaning that you have 12 months to use up to your maximum amount, and then you enter a repayment period where the amount owed must be repaid within a set amount of time.
Am I eligible for the Better Home Card?
To qualify for a Better Home Card, there are minimum credit score and debt-to-income thresholds. You must have a credit score of at least 680. Currently, the Better Home Card is available to homeowners or buyers in the following states: Alabama, Arizona, Arkansas, California, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Louisiana, Maine, Michigan, Minnesota, Missouri, Montana, Nebraska, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin, Wyoming, and Washington DC.
Where can I spend my Better Home Card?
The Better Home Card can be used at businesses that offer goods or services related to your home. Spend on appliances, home entertainment, hardware, and furniture or pay contractors for installations, renovations, and repairs. If your card is not accepted on a qualifying home-related purchase, simply upload a copy of an invoice or receipt by logging into your Better Home Card account. Once approved, Notable will transfer the funds to your bank.
What are the retailer discounts in the form of Cash Back Credit?
You can earn up to 20% cash back on home spend of qualifying purchases you make at participating retailers using your Better Home Card. For example, if you spend $100 on a purchase with a 10% discount, you will pay $100 and receive a $10 Cash Back Credit, which will be applied to your balance.
Which vendors give cash back statement credits?
Will applying for a Better Home Card impact my credit score?
No, applying will have no impact on your credit score. Notable will only run a soft credit check to approve you, which won’t affect your score.
How and when do I make payments on my Better Home Card?
You can make your payments and set up autopay online via Notable. Your payment due date will be shown at the time of your approved application and you will be billed monthly based on the amount you spend.
How long do I have to pay back my Better Home Card loan?
You can qualify for a 3 or 5-year payback term. Both terms have a 12 month draw period, where you will only make interest payments on anything you spend. Once your repayment period starts, you’ll pay principal & interest on what you spent.
Are there spending requirements for the Better Home Card?
You must make at least 1 transaction within 60 days of your Better Home Card origination date. If you do not make any transactions within that period of time, your account will be closed due to inactivity.
Are there prepayment penalties for the Better Home Card?
No, there are no prepayment penalties for the Better Home Card.
Better Home Card Terms & Conditions
See all FAQs
Rates
Flexibility
Convenience
Perks
Term
Work with a local
buyer's agent
Only move once
Prep and show your old home after you move
Home Card
5.49-13.99% APR
3 or 5 years
Credit Card
16.0-29.99% APR
Contractors rarely
accept cards
Varies
Varies
Personal Loan
9.30-22.16% APR
Lump sum
HELOC
3.99-8.50% APR
(Plus 2-5% Fees)
4-6 weeks to close
10-20 years
By clicking "Let's go" or "Get your card,” you are accessing websites that are managed by Notable Finance, LLC. Any use of a Notable Finance, LLC website will be subject to and any information you provide will be governed by the terms of the Notable Finance, LLC website, including those relating to confidentiality, data privacy and security.
1 This is not a commitment to lend. Terms and conditions apply. Interest rate and annual percentage rate (APR) are for informational purposes only. Not available in all states. Rates and APRs assume a borrower with above average credit. The APR listed above is an estimate and may not include all applicable fees. Your APR may differ based on current market rates, credit score and other variables.
2 Average personal loan rates as of the week of September 12, 2022 from Businessinsider.com.
3 Average credit card rates as of the week of September 21, 2022 from Creditcards.com.
See here for full Better Home Card by Notable Terms and Conditions.
Cash back amounts will be accrued based on purchases from participating merchants. All such amounts will be applied to your monthly payments in the manner set forth in the Cash Back Program Terms and Conditions.
Notable is a direct lender dedicated to providing a fast, transparent digital
lending experience backed by superior customer support.
All rights reserved. © Notable Finance, LLC | 6 Landmark Sq, Fl 4, Stamford,
CT 06901 NMLS #1824748. Notable is a registered trademark with the U.S. Patent
and Trademark Office.
California customers: Loans made or arranged pursuant to a California Finance
Lenders Law License. Not available in all states.