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Home Equity Line of Credit

Get the cash you need without leaving home

Apply with our 100% online application in minutes and with funding in as few as 5 days.2navigates to numbered disclaimer While traditional HELOCs usually have variable interest rates that can change over time, our HELOC provides fixed rates.1navigates to numbered disclaimer No need to wait for an in-person appraisal. Get the funds you need now, and move forward with life.

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10+ Billion in Equity unlocked with Figure's platform
Trustpilot rating: 4.5 out of 5 stars  Opens in a new window.

Approval in 5 minutes, funding in as few as 5 days2navigates to numbered disclaimer

Figure is the


Non-Bank Home Equity
Line of Credit in the U.S.

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What can I use a home equity line of credit for?

A HELOC can be used for many different purposes such as:

Home improvement

Finance your next project.

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HELOC vs. Personal Loans4navigates to numbered disclaimer

Figure's HELOC is helping homeowners save thousands of dollars in interest payments compared to a cash-out refinance.

Figure HELOC

Average Personal Loan*navigates to table disclaimer

Fixed rate1navigates to numbered disclaimerYesYes
Application100% online, see your rate instantlyVaries by lender
Monthly PaymentsLowerHigher
TermsUp to 30 yearsUp to 7 years
AmountUp to 400k5navigates to numbered disclaimerUp to $100k

Your home equity line of credit guide

Need more information? If you're considering a Home Equity Line of Credit follow this guide to take a closer look at how HELOCs can be a great planning tool for homeowners.

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The average homeowner could save $80k

with a HELOC vs a Cash-Out Refinance  Opens in a new window.

See how much you could save

All savings calculations are estimates. Savings totals are calculated using the average mortgage balance, average interest rates, and average HELOC amount applied for, and subtracting the difference paid over the life of the estimated loan terms. Actual savings will depend on several factors determined at the time of application and may be less than estimated. For a complete itemization of the assumptions used, please visit our source.   Opens in a new window.