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Debt Consolidation made easy with Figure

Transform your finances and simplify your credit card debt with Figure's flexible Home Equity Line of Credit. Homeowners can tap equity for cash to consolidate debt into one easy payment AND lower overall interest payments.

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Figure HELOC vs. Credit Cards

Using a HELOC to consolidate credit card debt allows you to consolidate payments into one monthly payment. PLUS, chances are a HELOC will offer a lower APR than your credit cards, which reduces interest costs and makes your payments more manageable.4navigates to numbered disclaimer

Figure HELOC

Credit Cards*navigates to table disclaimer

Average RateLowerHigher
Term & Rate Type5, 10, 15, 30-year loan terms6navigates to numbered disclaimerVariable
Max AmountUp to $400,000Varies
PaymentsOne per monthMultiple per month

When done right, debt consolidation can save you money and help you pay off your debt faster.

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How much could I borrow with a HELOC?

Figure offers lines of credit up to $400k5navigates to numbered disclaimer

You'll need to have a good credit score, have a reliable payment history, have a low enough debt-to-income ratio (DTI), and have enough available equity in your home to qualify.

Adjust the chart below to create the custom amount that relates to you.


Current Home Value


Remaining Mortgage Amount

In this scenario, you could qualify to borrow up to


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*Based on borrowing 80% of your current home value

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