If you're a Figure member impacted by COVID-19 or another financial hardship, we're here to help. Learn more

Figure Home Equity Line

Homeowners, we're here for you

Get cash using your equity. Other banks and lenders have stopped offering HELOCs, but Figure is still here for you. Apply in minutes with our 100% online application and receive funding in 5 days.2  navigates to the related disclosure

Pencil Icon

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

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

100% online application

The application process is fast, easy, and all online. No in-person appraisal needed. Get approved faster than you thought possible, in as little as 5 minutes.

Rates as low as 2.99% APR1  navigates to the related disclosure

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.)

Get cash in as few as 5 days2  navigates to the related disclosure

Borrow up to $250,000 with one-time origination fee.7  navigates to the related disclosure 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 Saturday, 6am – 6pm PT.

The advertised rate of 2.99% APR includes a combined 0.75% discount for opting into a Quorum Membership (0.50%) and enrolling in AutoPay (0.25%). This rate also includes the payment of a 4.99% origination fee in exchange for a reduced APR, which is not available to all applicants or in all states.

Your home equity could earn you a great rate

Our home equity line allows you to consolidate debt at a lower rate compared to credit cards and personal loans.9  navigates to the related disclosure

How we compare to most other lenders

Home Equity Line

Figure

Most Other Lenders

Apply in 5 minutes

Online notary available

Same day approval

Paperless application

Phone support in about 45 seconds

No manual document uploads

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.

Need more information before you apply?

Learn

Watch

Compare