Your projects just got more affordable: Enjoy lower HELOC rates with Lowe’s!

Limited time exclusive savings with lower interest rates for Lowe's Customers*
Earn a $300 Lowe's gift card when you fund a Figure HELOC*

*You must submit this form to receive your promotional APR rate from Lowe's and to be eligible for a Lowe's gift card. Subject to credit application approval.

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By clicking "Find my rate", I am authorizing Figure to share with Lowe's my information (name, address, email, application status, and funded loan amount). Other details regarding your financial profile (income data, credit score, etc.) will not be shared by Figure. Submitting this form will not impact your application, and you can update your choice at anytime by emailing privacy@figure.com. If you do not wish to share your information, apply directly at www.figure.com.

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Why get a Figure HELOC for your home improvement project:

100% Online Application
Don't leave your contractor waiting. Get approval in as few as 5 minutes and funding in as few as 5 days.^{2: Navigates to numbered disclaimer}
Borrow more for less
HELOCs typically offer lower payments, higher amounts, and longer terms than personal loans, credit cards, and other kinds of home improvement financing.^{8: Navigates to numbered disclaimer}
Potential Tax Breaks
Depending on how you use the loan, interest payments may be tax deductible which isn't the case for a personal loan. Be sure to consult a tax advisor.
Consistent Payments
Pay the same amount each month; no matter what the market does. No penalty for prepayment if you want to pay it off early.^{1: Navigates to numbered disclaimer}

HELOC for home improvements

Their online platform was great! Everything moved forward with ease and stress free. Great HELOC company. In times when HELOCS are scary, Figure helped us so we can remodel our home.

Written by customer— Xavier C.

Excellent process

Figure makes the borrowing process simple, fast and easy online. Everything can be done online with high security and ease. From loan application to disbursement of funds takes a mere five days. And that was including weekends. The rates are fair and the monthly payments are affordable. Great experience and transaction.

Written by customer— Mike

I can't believe how efficient and fast these folks are.

2 top lenders in the mortgage realm dragged their feet hoping I would give up my 2 percent mortgage with a growing $200K of equity in my home. But the folks at Figure new what my goal was in trying to get some money to pay off some debt and fix up my kitchen a bit. Me and my wife are thrilled and I would highly recommend them over Rocket and or Discover.

Written by customer— S Passehl

Just what I needed at the right time.

Got a FIGURE preapproval offer in the mail. Did some math and it made sense. Cut my monthly payments from 1400.00 down to 480.00 and even was able to do upgrades to the house and a project truck. I have no plans to need the additional draw so no worries about the interest rate going up. The process seemed too easy and the funds were in the bank in less than a week.

Written by customer— John K

Satisfied homeowners

My husband and I are very satisfied with the service we received from Figure Lending. We established a Home Equity Line of credit with them and were able to utilize it to do some home repairs and renovation. The experience and procedure of obtaining loan was very simplistic. Although we will be paying off this loan in full (selling house) we definitely plan on using Figure in the future if the need arises.

Written by customer— Lynne

Excellent4,003 reviews onTrustpilot reviews Opens in a new window.

See why a HELOC is a better option for home improvement projects:

	Figure HELOC	Average Personal Loan^{*: Navigates to table disclaimer}
Application	100% online, see your rate instantly	Varies by lender
Fixed rate^{1: Navigates to numbered disclaimer}
Average APR	Lower^{6: Navigates to numbered disclaimer}	Higher
Amount	Up to $750k^{4: Navigates to numbered disclaimer}	Up to $100k
Prepayment penalty	None	Possible
Tax deductible	For home improvement (be sure to consult a tax professional)	Not tax deductible
Overall cost	Lower	Higher

* money.usnews.com/loans/personal-loans/articles/personal-loan-vs-home-equity-loan-which-is-better