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If you're a Figure member impacted by COVID-19 or another financial hardship, we're here to help. Learn more

Get the cash you need in days, not months.

Home Equity Line - great rates as low as 2.99% APR1  navigates to the related disclosure

Mortgage Refinance - lower your rate and get up to $500,000 in cash-out4  navigates to the related disclosure

Tap your equity for cash, no need to wait for traditional lenders and banks

Apply online in minutes with our 100% digital application

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Pre-qualification does not affect your credit score.5  navigates to the related disclosure

Save time and money with Figure

Other banks and lenders have changed how they lend, but Figure is still here for you with two ways to access cash using your equity. See your rate or click “Learn more” to compare products.

Home Equity Line

Get approved in 5 minutes, and funding in 5 days.3  navigates to the related disclosure Rates as low as 2.99% APR.1  navigates to the related disclosure

Cash-Out Refinance

No need to wait for traditional banks and lenders. Access up to $500,000 while refinancing.

Mortgage Refinance

Quickly and easily refinance your mortgage. Apply 100% online in minutes.

Personal Loan Alternative

A HELOC is a great alternative for homeowners.6  navigates to the related disclosure Get up to $150,000 in 5 days.3  navigates to the related disclosure

The advertised rate of 2.99% APR includes a combined 0.75% discount for opting into a Quorum Membership (0.50%) and enrolling in AutoPay (0.25%). This rate also includes the payment of a 4.99% origination fee in exchange for a reduced APR, which is not available to all applicants or in all states.

Blockchain, meet everyone. Everyone, meet blockchain.

Blockchain helps improve financial transactions (behind the scenes) to make them more efficient, secure, and less costly.

See what our members are saying

Don’t just take our word for it—read what our members have been saying about their experience with Figure.