Pay Off Your High-Interest Debt with Figure's Intellidebt
- Enjoy lower monthly payments and larger loan amounts compared to a personal loan.4navigates to numbered disclaimer
- 46% of Figure customers used their Home Equity Line to pay off other debts*
- Apply online and get your rate in minutes.
- Borrow up to $400k5navigates to numbered disclaimer
*Based on 2024 Figure customer application data.
Checking your rate will not impact your credit.3navigates to numbered disclaimer
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Intelligently consolidate your debt in 5 minutes or less in 3 simple steps:
Step 1. See your debts
Step 2. Select the debts that you’d like to pay off
Step 3. Pay your debts
Consolidate your debt with Figure's Intellidebt
Direct Debt Payoff
Figure can pay off your personal loan and credit card debt directly, saving you time and hassle.
100% Online Application
Have a payment due? With Figure, you can tap your home equity as fast as you could get a personal loan with other lenders.
Borrow more for less
HELOCs typically offer lower payments, higher amounts, and longer terms than personal loans.4navigates to numbered disclaimer
Online video notary & support
Benefit from easy online notary services available in most locations, and expert support. We've got you covered.
How much could I borrow with a HELOC?
Figure offers lines of credit up to $400k5navigates to numbered disclaimer
You'll need to have a good credit score, have a reliable payment history, have a low enough debt-to-income ratio (DTI), and have enough available equity in your home to qualify.
Adjust the chart below to create the custom amount that relates to you.
$800,000
Current Home Value
$550,000
Remaining Mortgage Amount
In this scenario, you could qualify to borrow up to
$90,000
Find my rate*Based on borrowing 80% of your current home value
Explore Our Frequently Asked Questions
Intellidebt by Figure uses the funds from your HELOC to pay off your other unsecured debts directly to the lenders they’re owed. You tell us which debts you want paid during the application process. Once the loan funds, the selected debts are paid off, and any remaining balance is deposited into your bank account.
Figure can facilitate the pay off personal loan and credit card debts.
A HELOC is secured by the customer's home, often resulting in lower rates compared to personal loans. HELOCs also offer higher loan amounts and longer terms, leading to potentially lower payments.
Debt-to-income ratio (DTI) is the monthly debt payments divided by gross monthly income. Lenders use this ratio to assess an applicant’s ability to repay a loan.
One of the easiest loans I have ever received.
All is done online and with the proper information they wanted I received money in six days. I have recommended Figure to those looking for loans.
Written by customer— CAD
Painless way to borrow money
I wanted a HELOC for debt consolidation purposes and Figure made it happen for me all at my computer keyboard! Favorable terms with ability for early repayment. Recommend highly!
Written by customer— Laurence J.
Figure was a breath of fresh air...
After going crazy with a different HELOC company, Figure was a breath of fresh air. I was approved and closed within 24 hrs. The money should be delivered within 5 business days. Rates were on par and flexible choices sealed the deal.
Written by customer— Steve M.
Quick and painless HELOC
I had started a traditional HELOC application with a standard bank and it was taking forever -- five-plus weeks. I decided to try Figure to see if I could get things done faster and it was incredibly quick and easy, and basically the same rate. I wish I'd gone with them first!
Written by customer— Margaret H.
2651 Excellent Reviews on trust pilot
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