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If you're 3-5 yrs away from retirement then you're going to need your money in the 401k...What does it mean to "lock" just a portion of a home equity line of credit?...But along with that, you freeze your ability to use the line of credit . In your case, if you lock the $40,000, that $40,000 will...Is it better to borrow $10K on a auto loan @ 8.25% for 36 mos. or on a home equity line of credit at 10.2%?...the information you have provided. However, if the home equity line of credit or the e-loan has additional fees you need to add that...Is it wrong for your bank to hold a check (for 15 days) to pay off part of your home equity line of credit?Some banks do that, check with a supervisor at the bank and if you do not get help then go to the BBBwhat's the difference between a home equity loan and home equity credit line?...similar to the ones you would make on a mortgage. 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