Save an average of $6,225 by utilizing your home equity.

With Figure, the average homeowner saves thousands by using their home equity to consolidate debt and significantly lower their interest rate.

Pre-qualification does not affect your credit score8  navigates to disclosure 8

Approval in 5 minutes. Funding in 5 days.2  navigates to disclosure 2

100% digital application, no hassle

Our application is fast, easy, and all online. No in-person appraisal needed. Get approved in 5 minutes, all from the comfort of home.

Rates as low as 3.00% APR1  navigates to disclosure 1

Get approved in 5 minutes and receive funding in as few as 5 days2  navigates to disclosure 2 No need to wait for an in-person appraisal. We make it easy with rates starting at 3.00% APR1  navigates to disclosure 1.

Online video notary and support

Online video notary sessions are available in some locations. Call us with questions Mon–Sat 6am–6pm PT at 888-819-6388.

Home Equity Line advertised rate of 3.00% includes a 0.50% discount for opting into a Quorum Membership (0.25%) and enrolling in autopay (0.25%). This rate also includes payment of an origination fee of 4.99%, for those who qualify.

Your home equity could earn you a great rate

Our home equity line allows you to consolidate debt at a lower rate compared to credit cards and personal loans.9  navigates to disclosure 9

Figure Logo
Figure Logo
Credit Card
Personal Loan
Traditional HELOC
15 - 20% (floating)
10 - 20%
5 - 10% (floating)
Same-day approval
Yes
Yes
Maybe
No
Yes
Yes
Maybe
No
Potentially Tax Deductible5  navigates to disclosure 5
Yes
No
No
Yes
Only an origination fee
Yes
No
No
Maybe
Fixed monthly payments
Yes
No
Yes
No

The advertised rate of 3.00% includes a 0.50% discount for opting-in to a Quorum Membership(0.25%) and enrolling in autopay (0.25%). This rate also includes payment of an origination fee of 4.99%, for those who qualify.

The advertised rate of 3.00% includes a 0.50% discount for opting-in to a Quorum Membership(0.25%) and enrolling in autopay (0.25%). This rate also includes payment of an origination fee of 4.99%, for those who qualify.

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.