How It Works
Use the card on everyday purchases, big or small
Pay it off like a normal card, or don’t
No interest accrues, ever
Settle with home equity. Buy it back later, or settle when you sell your home
Your home stays yours.
Ownly uses a small, limited portion of equity.
Allowing homeowners to access their home equity for everyday spending.
Most homeowners have a large portion of their wealth locked in their home.
Everyday spending still relies on high-interest credit cards.
- Credit cards → compounding interest
- Home equity loans → debt, payments
- No flexible option for everyday use
Ownly is a card designed for homeowners.
It works like a credit card — but replaces interest with optional equity.
- Spend like a normal card
- No compounding interest
- Optional equity settlement
- Buy it back any time