Tap the equity in your home. Approval in 5 minutes, funding in 5 days.Tap the equity in your home. Approval in 5 minutes, funding in 5 days.

Your money at the
speed of life

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$1.2 Billion loans approved

for thousands of people
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Tap the equity in your home. Approval in 5 minutes, funding in 5 days.

Our Products

Figure Home Equity Line
Home Equity Line

Get fast access to your home equity. Apply in five minutes and get funding in 5 days. Get out of debt or start that home project sooner than you ever thought possible.

Figure Cash Out Refi
Mortgage Refinance

Lock in a lower rate in minutes and get the cash you need to move forward financially. See your rate in a few clicks.

Student Loan Refinance

Lower your interest rate and consolidate all of your student loans to one convenient payment. See your rate in a few clicks.

Money Account

Coming soon

The only account that brings together saving, spending and borrowing all at the same time.

Coming soon

Giving members a simpler way to optimize their finance, faster

Our industry-first technology simplifies the application process so you can get funded faster than ever before.

Your money, faster

Our industry-first technology simplifies the application process so you can get funded faster than ever before.

Full transparency

No hidden meanings or extra charges—ever. We’re always upfront about rates and fees so you can have complete control of your assets.7

No hidden meanings or extra charges—ever. We’re always upfront about rates and fees so you can have complete control of your assets.
With multiple ways to borrow and invest, you can save and grow your money the way you want to.

Flexible options

With multiple ways to borrow and invest, you can save and grow your money the way you want to.

See what people are saying about us

Figure Customer Review

“We knew if we could borrow against our home, we could consolidate debt, stop using credit cards, build our businesses, and quickly improve our financial health. Figure came through for us—from application to funding, it took seven days. THANK YOU!”

“Heidi S.”

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Welcome to the family

As part of the Figure community, you’ll get access to leading financial experts, industry events, and our unparalleled customer service team.

Homeowners are leaving over $6000 on the table
Home Equity

Homeowners are leaving over $6,000 on the table

A simple, 5-minute step reduces unnecessary interest payments by an average of 6.63%...

Yes, home equity lines of credit can still have tax benefits
Home Equity

Yes, home equity lines of credit can still have tax benefits*

Home equity debt still has tax benefits that can effectively reduce the cost of home improvement projects...

A guide to credit scores
Tools & Guides

A guide to credit scores

Your credit score – three numbers that hold considerable sway over your financial life — is often the first thing...