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Cash-Out Refinance vs. HELOC: Which Is Right for You?
Cash-out refinances give you access to a large one-time payout while HELOCs offer revolving lines of credit.
By 
Written by
Freelance writer
Micah Murray has over six years of experience in personal finance. His work has been published by Newsweek Vault, New York Post, and Bankrate.
Edited by 
Written by
Senior editor
Reina Marszalek has over 10 years of experience in personal finance and is a senior mortgage editor at Credible.
Updated February 14, 2025
Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”
