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 the related disclosure

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

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 the related disclosure

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

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 the related disclosure

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 the related disclosure
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.