End Your High-Interest Cycle: Unlock Savings With Figure’s HELOC
Reduce high-interest debt payments by $500–$600 each month with one simple, lower monthly payment*. With Figure’s HELOC and Intellidebt, you can consolidate credit cards, personal loans, auto loans, and more. Every month you wait, you’re missing out on savings.
Checking your rate will not impact your credit.3navigates to numbered disclaimer
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Why You Should Use a Figure HELOC to Pay Off High-Interest Debt
With Intellidebt you can simplify your finances by consolidating multiple debts into one easy, lower monthly payment. Not only is the process seamless and transparent, but customers also see an average 29-point boost in their credit score*, gaining both financial relief and healthier credit. Join the customers who’ve successfully used their HELOC to pay off high-interest debt.
Credit cards after Intellidebt
Annual interest savings on a typical credit card balance.4navigates to numbered disclaimer
Personal loans after Intellidebt
While smaller in percentage than credit card savings, this adjustment leads to notable savings, particularly for higher loan amounts.4navigates to numbered disclaimer
Simplify High-Interest Debt with a Home Equity Line – It’s Easy to Start
Intellidebt allows you to consolidate your debt using your home’s equity in 3 simple steps:
Step 1. Start your Figure HELOC application to get your free rate (No credit impact).3navigates to numbered disclaimer
Step 2. Choose your debts to consolidate. You’ll know exactly which debts are covered and how much your monthly payment will change.
Step 3. Complete your application in minutes to consolidate your high interest debts into one lower monthly payment!
How Figure stacks up to other kinds of loans
Compare side-by-side to help you make an informed decision about tapping into your home's equity
| Figure HELOC | Average Personal Loan* | |
|---|---|---|
| Tax benefits | Interest may be tax-deductible if used for home improvements** | Not tax deductible |
| Redraw options | Allows redrawing on the credit line as the balance is repaid | Varies by lender |
| Loan amount | Based on home equity, can be up to $400k5navigates to numbered disclaimer | Varies by lender. Typically up to $100k |
| Application | 100% Online, see your rate in minutes | Varies by lender |
| Average APR | Lower4navigates to numbered disclaimer | Higher |
- * https://money.usnews.com/loans/personal-loans/articles/personal-loan-vs-home-equity-loan-which-is-better Opens in a new window.
- ** Please consult a tax advisor regarding the deductibility of interest and charges to your Figure Home Equity Line.
The whole process was easy and I got a great rate!
It was a straight forward, guided experience and the result was a great interest rate. The savings in interest and consolidation using the equity in my home saved me over $700 in monthly payments.
Written by customer— Jeremiah
My experience with Figure was so simple
In just a few days the money was deposited into my bank account! I was able to use equity in my home to pay off my credit card debt that had been overwhelming me financially. I was barely able to pay just the interest on my credit card debt. Now I just have one low monthly payment, and my credit card debt is gone!
Written by customer— Jackie
Quick and easy loan all done online!
Getting a loan was all done online easily with money in our account in days! We now have no more credit card debt! Everything is one lower payment we can afford and our house is our only debt now! We can afford to enjoy life again without constant worry!
Written by customer— Amanda G.
Amazing!! I'm so glad I found this!!!
Great experience!...I've been searching for a good debt consolidation place for a while and this is the place for sure! Had a hiccup in the beginning because I had a credit lock but after I talked on the phone to this lady I was approved in no time and got my money in less than 10 days! Seamless fantastic operation!
Written by customer— Matthew M.
2820 Excellent Reviews on trust pilot
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