Figure Lending
Built for modern borrowers
Unlock liquidity, grow your portfolio, or access capital backed by real assets — all through Figure’s fast, digital experience.
We’ve helped borrowers
access over $30B
Fast, transparent lending options to power your financial goals.
Home Equity Line of Credit (HELOC)
Access your home’s equity without refinancing your mortgage — a flexible alternative to a cash-out refi.
Which Figure loan is right for you?
| Homeowner | Real estate investor | Crypto holder |
|---|---|---|
| Tap your home equity | Finance rental or investment property | Borrow against crypto |
| Owner of primary, secondary, or investment properties | Short- or long-term rental owners | Bitcoin, Ethereum, or Solana owners |
| Key underwriting criteria: personal income and credit | Key underwriting criteria: rental income and cash-flow coverage | Key underwriting criteria: collateral value and LTV |
| Get my HELOC rate | Get my DSCR Loan rate Opens in a new window. | Get my Crypto-Backed Loan rate |
Opens in a new window.5772 Excellent Reviews from our customers on trust pilot
Shocked by how easy and fast the process was to get a HELOC. I am unbelievably impressed by the way they were able to verify my income from bank statements and by the instant property valuation. And VERY happy with my loan terms!
HELOC customer Maggie D., 5.0 stars
Highly impressed!! Extremely impressed with how easy and convenient it was to get a Bitcoin backed loan. Money was in Figure account almost immediately. The only downside is how long it takes to transfer to a bank account but that's not their fault. Would highly recommend!
Crypto-Backed Loan customer Greg M., 5.0 stars