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Splitero vs Unlock: the short answer
Short answer
Unlock has a 10-year term and allows partial buyouts; Splitero runs up to 30 years and publishes a 17.99% cost cap. Both accept 500 credit scores. Splitero needs more than 25% equity; Unlock generally needs 30%.
Side-by-side comparison
| Feature | Splitero | Unlock |
|---|---|---|
| Upfront fee | 4.99% (min $1,500) | About 4.5%–4.9% |
| Published cost cap | 17.99%/yr, compounded monthly | Not published |
| Amount | $50,000–$600,000 (max 25% of value) | Up to $500,000 |
| Term | 10–30 years (Maturity Match) | 10 years |
| Min. credit score | 500 | 500 |
| Equity needed | More than 25% | 30% minimum |
| States | 17 | 26 |
| How you repay | Share of future home value | Share of future home value |
| Monthly payments | None | None |
Choose Splitero if you…
- want more than 10 years
- want a published cost ceiling
- have between 25% and 30% equity
Choose Unlock if you…
- want to buy back the agreement in pieces
- live in an Unlock state Splitero doesn't serve
- are confident you'll settle within 10 years
Partial buyouts vs a lump-sum repurchase
Splitero is settled in one repurchase. Unlock lets you buy back part of its share during the term, which can reduce what you owe later if you have spare cash. If you won't have that cash, the feature adds little.
Comparing your options?
Before you give up a share of your home's future value, see what a personal loan could look like for a smaller amount.
All major HEI providers
| Feature | Splitero | Hometap | Point | Unlock | Unison |
|---|---|---|---|---|---|
| Upfront fee | 4.99% (min $1,500) | 4.5% (capped at $20,000) | Up to 3.9% (min $2,000) | About 4.5%–4.9% | 3.9% |
| Published cost cap | 17.99%/yr, compounded monthly | 18.5%/yr, compounded monthly | Not published | Not published | Not published |
| Amount | $50,000–$600,000 (max 25% of value) | $15,000–$600,000 (max ~27% of value) | Up to $600,000 (max ~20% of value) | Up to $500,000 | $30,000–$500,000 (max ~15% of value) |
| Term | 10–30 years (Maturity Match) | 10 years | 30 years | 10 years | 30 years |
| Min. credit score | 500 | 585 | 500 | 500 | 620 |
| Equity needed | More than 25% | 25% minimum | Keep ~27% after funding | 30% minimum | Set by credit tier |
| States | 17 | 26 | 30 + D.C. | 26 | 22 + D.C. |
| How you repay | Share of future home value | Share of future home value | Original amount + share of change in value | Share of future home value | Original amount + share of change in value |
Home equity investment providers compared (as published; verify with each provider)
Splitero
- Upfront fee
- 4.99% (min $1,500)
- Published cost cap
- 17.99%/yr, compounded monthly
- Amount
- $50,000–$600,000 (max 25% of value)
- Term
- 10–30 years (Maturity Match)
- Min. credit score
- 500
- Equity needed
- More than 25%
- States
- 17
- How you repay
- Share of future home value
Compare with Hometap, Point, Unlock and Unison
Hometap
- Upfront fee
- 4.5% (capped at $20,000)
- Published cost cap
- 18.5%/yr, compounded monthly
- Amount
- $15,000–$600,000 (max ~27% of value)
- Term
- 10 years
- Min. credit score
- 585
- Equity needed
- 25% minimum
- States
- 26
- How you repay
- Share of future home value
Point
- Upfront fee
- Up to 3.9% (min $2,000)
- Published cost cap
- Not published
- Amount
- Up to $600,000 (max ~20% of value)
- Term
- 30 years
- Min. credit score
- 500
- Equity needed
- Keep ~27% after funding
- States
- 30 + D.C.
- How you repay
- Original amount + share of change in value
Unlock
- Upfront fee
- About 4.5%–4.9%
- Published cost cap
- Not published
- Amount
- Up to $500,000
- Term
- 10 years
- Min. credit score
- 500
- Equity needed
- 30% minimum
- States
- 26
- How you repay
- Share of future home value
Unison
- Upfront fee
- 3.9%
- Published cost cap
- Not published
- Amount
- $30,000–$500,000 (max ~15% of value)
- Term
- 30 years
- Min. credit score
- 620
- Equity needed
- Set by credit tier
- States
- 22 + D.C.
- How you repay
- Original amount + share of change in value
Figures checked on November 6, 2026 against Splitero's published terms, its press releases and independent sources. Splitero can change terms at any time — confirm everything in your written offer before signing.
