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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Unlock Technologies's account


How to create an Unlock Technologies account

To gain access to the home equity agreement, you must first register a personal account on the Unlock website. Then you need to provide your personal information as well as your home address to have an account approved by Unlock. Nevertheless, you must reside in a state where Unlock is available to register a personal account successfully.

Before you can qualify for a cash-out refinancing on your equity, you must have your house assessed and examined by Unlock. To do so, follow these steps when opening an account:

  1. Visit the Unlock Technologies website

  2. Click Get Started

  3. Enter your home address

  4. The next page will prompt you to enter your property details and credit score

  5. Click Next

  6. The next page requires you to provide your personal information, like first and last names, email address, and phone number

  7. Before you click next, click on the Unlock’s Consumer Consent & Authorization for Electronic Disclosures and Unlock’s Privacy Policy. Read and understand these two terms of your loan, then tick each Agree box

  8. Click Next

How to reset a password on Unlock Technologies

Since Unlock’s investment is not a loan and there are no monthly payments, the personal account you create is purely for assessment. You can always contact customer support to get your account password reset if you forget your password.

How to delete an account on Unlock Technologies

You cannot delete your personal Unlock account until you have “bought out Unlock” or sold your home, and Unlock received a percentage of the revenues via the escrow method. After you have completed your repayments, contact Unlock customer service, explain your intention to leave the firm, and you will be instructed on how to do it.


How does Unlock Technologies work?

Unlock’s investment is not a loan, and no monthly payments are required. They pay you cash in exchange for the right to a future portion of the revenues from the sale of your home, based on the terms agreed upon. You can also buy them out for an appraised price without selling your house.

How do I contact Unlock Technologies?

Customer service at Unlock Technologies can be reached at the following phone number or email address:

  • Phone: 1-800-560-3450


Calculate loan payments in Unlock Technologies

Unlock Technologies calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

100000 $
500000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Unlock Technologies

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Unlock Technologies and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Unlock Technologies’s reviews by October 2022
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