Today's lowest rate: 7.10% APR6navigates to numbered disclaimer
- Apply with our 100% online application in minutes. With funding in as few as 5 days.2navigates to numbered disclaimer
- Borrow up to $400k using your home equity.5navigates to numbered disclaimer
- No in-person appraisal needed.
- Get the funds you need now to start that home improvement project or consolidate your debt.
Checking your rate will not impact your credit.3navigates to numbered disclaimer
Featured in
Approval in 5 minutes, funding in as few as 5 days2navigates to numbered disclaimer
100% online application
No in-person appraisal needed. Get approved in 5 minutes.
Fixed rates1navigates to numbered disclaimer
The rate that applies to each draw is fixed at the time of the draw and won't change over time.
Borrow up to $400k5navigates to numbered disclaimer
Borrow up to $400,000 with one-time origination fee.6navigates 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.
What can I use a home equity line of credit for?
A HELOC can be used for many different purposes such as:
Excellent process
Figure makes the borrowing process simple, fast and easy online. Everything can be done online with high security and ease. From loan application to disbursement of funds takes a mere five days. And that was including weekends. The rates are fair and the monthly payments are affordable. Great experience and transaction.
Written by customer— Mike
Figure helped me figure out what I needed
I needed a personal loan to reduce some debt and make home improvements. Figure helped me figure it out quickly and easily. They gave me a long-term loan at a low rate so I wasn't choked in payments and made the whole process amazingly simple. What makes them stand out is three things: low rates, long-term payment options, and how fast & easy the whole process was.
Written by customer— Eddy
A thank you is in order.
My situation was to pay for a slightly early retirement with a pension. I don't know of any other companies offering the product you offer, especially with the terms., i.e., 30 years with competitive rates in the HELOC market. You made possible for me and my family something that couldn't be accomplished any other way.
Written by customer— S. Miles
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.
3024 Excellent Reviews on trust pilot
Trustpilot reviews Opens in a new window.Compare your options
HELOC vs. Personal Loan4navigates to numbered disclaimer
Figure's HELOC is helping homeowners get a lower rate, lower payments, and longer terms than personal loans.
| Figure HELOC | Average Personal Loan*navigates to table disclaimer | |
|---|---|---|
| Application | 100% online, see your rate instantly | Varies by lender |
| Fixed rate1navigates to numbered disclaimer | ||
| Average APR | Lower | Higher |
| Amount | Up to $400k5navigates to numbered disclaimer | Up to $100k |
| Prepayment penalty | None | Possible |
| Tax deductible | For home improvement
(be sure to consult a tax professional) | Not tax deductible |
| Overall cost | Lower | Higher |