Figure HELOC vs. Better: Unlock your home equity faster
- No in-person appraisals for loan amounts under $400k5: Navigates to numbered disclaimer. Lock in your competitive rate in minutes!6: Navigates to numbered disclaimer
- 5 minute approval with our 100% online application. Funding in as few as 5 days2: Navigates to numbered disclaimer
- Borrow from just $15k up to $750,0005: Navigates to numbered disclaimer. Redraw up to 100% as you repay1: Navigates to numbered disclaimer
- Get your rate as of November 12, 2026. Checking your rate won’t impact your credit!3: Navigates to numbered disclaimer
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Figure HELOC vs. Better HELOC
Discover why Figure HELOC is a better choice for unlocking your home’s equity.
| Figure HELOC | Better HELOC | |
|---|---|---|
| Application Process | 5 minute, 100% online application process | Online |
| Appraisal Requirement | No in-person appraisal in most cases | No in-person appraisal |
| Fund Disbursement | Funding in as few as 5 days2: Navigates to numbered disclaimer. Direct deposit to the account of your choice! | Funding in 7 days* |
| Minimum Borrowing Requirement | Lines start at just $15,000 - Ideal for smaller projects | Line of credit starting at $50,000* |
| Rate Type | Fixed or variable1: Navigates to numbered disclaimer 8: Navigates to numbered disclaimer | Variable rates |
- * better.com/b/heloc/
Chart based on 3rd party review conducted in April 2025. Figure does not control content from 3rd party sites.
See why customers across the U.S. chose Figure:
From start to finish in just a week!
Quick approval and quick funding. Can't get any better then that!
Written by customer— Philip F.
Excellent & very fast servicing
This was one of the quickest & easiest loan processing companies that I have ever dealt with. If you are wanting to do a HELOC, there is no better company to deal with. GREAT SERVICE/GO FIGURE.
Written by customer— Floyd W.
So far it’s been one of the most easiest processes
that I’ve ever experienced when trying to obtain a loan. Before, I tried to go through who I already have my mortgage with and it turned into a joke. I truly hope Figure sets a strong example for others to follow. I greatly appreciate Figure and will definitely highly recommend it to others.
Written by customer— James B.
Excellent
4.7 out of 5 based on 5,777 reviews
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Don’t wait—unlock your equity in as few as 5 days2: Navigates to numbered disclaimer. Start your Figure HELOC application now!