Don’t swipe your equity away—choose Figure over Aven
- Avoid overspending - People spend 12%-18% more when using credit cards*
- 5 minute approval with our 100% online application. Funding in as few as 5 days2: Navigates to numbered disclaimer
- Tap into your home equity for up to $750,0005: Navigates to numbered disclaimer. Redraw up to 100% as you repay1: Navigates to numbered disclaimer.
- Get your rate as of July 18, 2025. Checking your rate won’t impact your credit!3: Navigates to numbered disclaimer
*nerdwallet.com/article/credit-cards/credit-cards-make-you-spend-more
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Figure HELOC vs. Aven HELOC Card
Your morning coffee shouldn't cost you your house - Understand the risks of using home equity for everyday expenses and make an informed choice—Why a Figure HELOC beats a HELOC card every time.
| Figure HELOC | Aven HELOC Card | |
|---|---|---|
| Application Process | 5 minute, 100% online application process | Online. Typically 15 minutes |
| Rate Type | Fixed1: Navigates to numbered disclaimer | Variable rate credit card |
| Funding Amount | Higher borrowing potential - Up to $750,0005: Navigates to numbered disclaimer | Credit limit varies per state* |
| Spending Control | Moderate to low | Credit cards fuel overspending, which can lead to irresponsible use of home equity |
| Fund Disbursement | Get funding in as few as 5 days on loans of $400K or less2: Navigates to numbered disclaimer. Direct deposit to the account of your choice! | Could be 7 days or longer**. Funds disbursed to a credit card. You’ll need a cash advance to move money into your bank account |
| Fees & Transparency | Clear, upfront origination fees. No hidden costs. | 2.5% fee for balance transfers and cash-outs*** and other potential annual fees |
- * nerdwallet.com/article/credit-cards/aven-credit-card
- ** aven.com/support/article/20902430367117
- *** bankrate.com/home-equity/reviews/aven/#aven-home-equity-loan-overview
Use our HELOC calculator to see how much you could qualify to borrow
The amount you can borrow with a HELOC will vary based on certain factors such as the appraised value of your home and what percentage of that value the lender will allow you to borrow.
To determine how much you can borrow with a HELOC, you need to first calculate the maximum amount of equity that could be borrowed. Figure’s loan amounts range from a minimum of $15,000 to a maximum of $750,000.5: Navigates to numbered disclaimer
Checking your rate today won’t impact your credit!
Adjust the chart below to create the custom amount that relates to you.
$800,000
Current Home Value
$550,000
Remaining Mortgage Amount
In this scenario, you could qualify to borrow up to
$90,000
Find my rate*Based on borrowing 80% of your current home value
Did you know U.S. credit card debt recently hit an all-time high?☨ Don't let this growing trend define your financial future. Figure HELOC offers a smarter way to leverage your home equity compared to HELOC cards.
☨abcnews.go.com/US/americans-credit-card-debt-hits-record-113-trillion/story?id=106990807
See Why Customers Across the U.S. Chose Figure:
Figure first next time.
I had forgot that I had a loan on auto pay with you and I tried to open an account with Aven. Well after 3 weeks of their stalling and I had to find a current statement from Figure then I said cancel Aven and proceed with Figure. I'm glad I did. Just a few firms and a notary then we were funded. Thank you Figure.com
Written by customer— The Wrench
Excellent experience from the start
Everything was simple and I received money within 5 days. Much better than working with Rocket Mortgage!! This company is very efficient.
Written by customer— Stephanie F.
Figure Best For Home Equity Financing
If you decide to get a home equity loan I highly recommend Figure. It's easy, the communication from the company is EXCELLENT. And the interest rates Figure provides are better than anyone else out there. I highly recommend that you go straight to Figure for any home equity financing needs.
Written by customer— Joseph P.
I applied for a HELOC to consolidate..
high interest credit cards and small home improvements. Figure handle all paperwork in a timely manner. I was always informed throughout the process and received my funds within 9 days. If you do your part in giving Figure any necessary documents and complete the notary in a timely manner, you too will receive your funds expeditiously.
Written by customer— A Customer
3347 Excellent Reviews on trust pilot
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