The Aven rates seem pretty high for a line of credit that is backed by a borrowers home. Credit cards are a rip off with their current rates, but people should know that they won't lose their home if they default on a credit card, BUT with Aven you are putting your home at risk for consumer debt. That's a horrible idea for a lot of people, especially those who are not disciplined with money.
It's defiitely not a product for everyone. At this point, I think it's a more fair comparison to compare Aven with a HELOC than with an unsecured line of credit (i.e. credit card)
