Aven offers HELOCs that can be accessed using a Visa credit card. Aven HELOCs feature a revolving line of credit and might also feature fixed-rate, fixed monthly payment plans called Aven Simple Loans. Depending on the HELOC account terms, cash outs and balance transfers are repaid via Aven Simple Loans. While an Aven Simple Loan plan has similarities to a HELOAN, it is not a HELOAN.