we're here for you

Get cash using your equity. While some other banks and lenders have stopped offering HELOCs, Figure is still here for you. Apply in minutes with our 100% online application and have funding initiated in as few as 5 days.2  navigates to disclosure 2

Pre-qualification does not affect your credit score.8  navigates to disclosure 8

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

100% online application

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 disclosure 1

Lock in a lower rate with the option to redraw up to 100%. Enjoy no prepayment penalties with optional discounts and origination opportunities to lower your payments (for those who qualify based on credit profile and state where property is located.)

Funding in as few as 5 days2  navigates to disclosure 2

Borrow up to $300,000 with one-time origination fee.7  navigates to disclosure 7 Figure offers the fastest way to turn your home equity into cash for what matters now.

Online video notary and support

Our average response time is less than 45 seconds. Online video notary sessions are available in some locations. Call us at 888-819-6388 Monday through Sunday, 6am – 6pm PT.

Advertised APR includes autopay and credit union membership discounts, as well as payment of an origination fee in exchange for a reduced APR.

How it works

How it works

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.

Blockchain, meet everyone. Everyone, meet blockchain.

Blockchain helps improve financial transactions (behind the scenes) to make them more efficient, secure, and less costly.