Figure Home Equity Line

Free your home’s
equity in minutes

Get a rate as low as 4.99% APR1 on a home equity line of credit in just a few simple steps.

Pre-qualification does not affect your credit score

A simpler way to tap into your home’s equity

All-digital, no hassle

All-digital, no hassle

Figure's application is 100% online. Get approved in 5 minutes and funded in 5 days2.

Keep your low rate

Keep your low rate

Borrow up to $150,000 with a fixed rate that won’t change over time, starting at 4.99% APR1.

No ongoing fees

No hidden fees

Besides the origination fee1, you won’t be charged fees on application, appraisals or maintenance.

How we compare

Figure’s HELOC offers one of the quickest and easiest ways to combine your debt.

FigureCredit
Card
Personal
Loan
Traditional
HELOC

Average APR6

4.99 - 13.74%1

15 - 20% (floating)

12 - 14%

5 - 10% (floating)

Same-day approval

Yes

Yes

Maybe

No

Funding in 5 days2

Yes

Yes

Maybe

No

Tax deductible5

Yes

No

No

Yes

No ongoing fees*

Yes

No

No

Maybe

Fixed monthly payments

Yes

No

Yes

No

* Origination fee

Ready to get started?

Figure Home Equity Line

Ready to get started?

Figure Home Equity Line
  • Check your rate by sharing a few quick facts
  • Choose your loan amount and submit your application
  • Receive your funds!

See what people are saying about us

Figure Customer Review

“We knew if we could borrow against our home, we could consolidate debt, stop using credit cards, build our businesses, and quickly improve our financial health. Figure came through for us—from application to funding, it took seven days. THANK YOU!”

- Heidi S.

Questions? We’re here to help.

Will checking my rate hurt my credit score?

No, checking your rate will not affect your credit score. However, if you decide to take a loan, we may need to conduct a hard credit pull which can drop your score temporarily by a few points.

Can I write the interest off on my taxes?

Unfortunately, you cannot write off interest if you use your loan for debt consolidation. You may be able to write the interest off if your loan is used for home improvements5.

What is an origination fee?

An origination fee is what we charge to give you a loan. It ranges from 0 to 4.99% of your loan value, depending on where you live. (This is the only fee we’ll ever charge—we promise!)

Can I pay my loan back early?

Of course. In fact, we encourage it if you have the means. It can save you interest charges.

Is my personal information secure?

Absolutely. We take security and your privacy very seriously. We never share your information except where required by law.

What loan amounts does Figure offer?

Figure offers loans from $15,000 up to $150,000. You’ll need a minimum credit score of 600, and the maximum Combined Loan-to-Value ratio is 95%.