Finance, without the friction
Figure uses blockchain to deliver a new standard in financial efficiency: faster approvals, lower costs, and transparent access.
Figure HELOC
Get approved in 5 minutes, funding in as few as 5 days2: Navigates to numbered disclaimer
Borrow up to $750,0005: Navigates to numbered disclaimer
Rates as low as 6.60% APR!6: Navigates to numbered disclaimer
Trustpilot rating: 4.8 out of 5 stars Opens in a new window.Money.com: Best Home Equity Lenders of 2025 Opens in a new window.- $20B+in equity unlocked with Figure's platform
- 253K+households served with Figure's platform
The first and largest financial platform using blockchain to drive real-world value to consumers, investors, partners, financial institutions
Figure is the #1 non-bank HELOC lender in the U.S.*: Navigates to bottom disclaimer
Home renovation, debt consolidation, new business ventures, and more.
What our customers have to say
First time experience, this is a great platform
Carlos M.Crypto-backed loan, 5 stars
I would highly recommend Figure to anyone
RyanDSCR, 5 stars
Quick and painless HELOC
MargaretHELOC, 5 stars
EdgarHELOC, 5 stars
Why Blockchain?
Blockchain technology removes the layers of intermediaries that have long slowed things down and driven up costs. With a more efficient foundation, Figure delivers a modern financial experience—faster decisions, lower costs, and stronger economics for institutions and consumers alike.
- Faster Decisions
- Lower Costs
- Fewer Middlemen
Unlock more financial possibilities with Figure
Cash-Out Refinance
Consolidate your personal loans, credit cards, and mortgage into one easy payment with a Figure HELOC. Approval in 5 minutes, funding in as few as 5 days.2: Navigates to numbered disclaimer
Learn more
DSCR Refinance
Real estate investors can get approved using your rental income instead of your personal income. Get approved in as few as 5 minutes and initiate funding in days not weeks.8: Navigates to numbered disclaimer
Learn more
Crypto-Backed Loan
Borrow against your crypto assets (BTC, ETH, and SOL). Get a 12-month term and 8.91% interest rates (9.999% APR), the lowest fixed interest rate at 50% LTV in the industry!
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Democratized Prime
Through Figure Markets, lend your cash or your crypto to earn up to 9% yield against real world assets or by supporting margin traders.
Learn more Opens in a new window.
Flex Rate
Through Democratized Prime, you can borrow up to 75% LTV against your entire crypto portfolio, with no term limits, no credit checks, and no delays.
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Join our 253K+ happy customers
Find my HELOC rate
Unlock home equity for all your needs.
Home renovation, debt consolidation, new business ventures, and more.
Find my HELOC rate- $20Bin equity unlocked with Figure's platform
- 253K+households served with Figure's platform
- 100%online application
process
The #1 non-bank home equity line of credit in the U.S.*: Navigates to bottom disclaimer
Approval in as little as 5 minutes. Funding in as few as 5 days.2: Navigates to numbered disclaimer
Easy online notary services in most locations with expert support. We've got you covered.
Easier approvals, better terms, and lower rates.
Figure's HELOC offers greater borrowing flexibility compared to personal loans.4: Navigates to numbered disclaimer
Borrow up to $750,000.5: Navigates to numbered disclaimer
Lock in a lower rate than personal loans, with the option to redraw up to 100%.
Explore more ways to use your HELOC
Whether it's revitalizing your home, consolidating high-interest debts, investing in education, or fueling the growth of your business, a HELOC empowers you to turn aspirations into realities.
Convenient loan, no hassle.
Convenient loan, no hassle. Needed money for tuition, bills, etc and in 5 days I got the money. Thank you so much. You are a big help financially to my problem.
Written by customer— Flordeliza M.
Painless way to borrow money
Written by customer— Laurence J.
Figure was a breath of fresh air...
Written by customer— Steve M.
Quick and painless HELOC
Written by customer— Margaret H.
Excellent4,135 reviews on
Trustpilot reviews Opens in a new window.
Discover our story & revolutionary technology
Through the integration of cutting-edge technology, Figure's platform fosters more transparent and efficient capital markets, bolstered by the growing pool of assets originated on its platform.
About usStill have questions?
Enhancing Lending Speed with AI
We were already a fast HELOC - now we're even faster. Powered by partnerships with OpenAI's GPT, Google Gemini, and other leading AI providers, it's a game-changing evolution for the lending industry.
Join the future of lending with FigureLower costs
Slashed processing costs 20X in 2025 alone.
Unmatched efficiency
Time savings and efficiency growth elevates our partner and customer experiences.
Lightning-fast transactions
Approval in less than 5 minutes2: Navigates to numbered disclaimer by removing manual processes.