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.)
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
Tell Us About Yourself
Tell us a little bit about yourself, your home, and your employment history, so we can give you a personalized recommendation.
Customize Your Offer
See your offer and rate, without affecting your credit score.8 navigates to disclosure 8 We ensure you have the information you need to make the decision that’s right for you. (A hard credit pull comes later on in the process.)
Verify Your Income & Assets
We've automated the gathering and verification of documents. Simply link your accounts and we'll do the rest. All your data is secure with 256-bit encryption.
Speak with Digital Notary
Where available, you can connect with one of our eNotaries and get your documents signed from the comfort of your own home. (eNotary is only available in some locations.)
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.