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
Pre-qualification does not affect your credit score.8 navigates to the related disclosure
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 2.49% 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.)
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 2.49% APR includes a combined 0.75% discount for opting into a Credit Union 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.
Tell us a little bit about yourself, your home, and your employment history, so we can give you a personalized recommendation.
Don’t just take our word for it—read what our members have been saying about their experience with Figure.