Apply For Your Fast Online HELOC Without An In-Person Appraisal

  • Apply with our 100% online application in minutes with funding in as few as 5 days.2navigates to numbered disclaimer
  • Get your rate as of October 7, 2024.
  • Faster than a bank loan, cheaper than a personal loan.
  • 5 minute approval. No impact to your credit score.3navigates to numbered disclaimer
  • Get the funds you need now to start that home improvement project or consolidate your debt.

Checking your rate will not impact your credit.3navigates to numbered disclaimer

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

Featured in

ForbesBloombergThe New York Times

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

  • 100% online application

    No in-person appraisal needed. Get approved in 5 minutes.

  • Fixed rates1navigates to numbered disclaimer

    The rate that applies to each draw is fixed at the time of the draw and won't change over time.

  • Borrow up to $400k5navigates to numbered disclaimer

    Borrow up to $400,000 with one-time origination fee.6navigates to numbered disclaimer

  • Online video notary & support

    Benefit from easy online notary services available in most locations, and expert support. We've got you covered.

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.

Learn more
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Find my rate

One of the easiest loans I have ever received.

All is done online and with the proper information they wanted I received money in six days. I have recommended Figure to those looking for loans.

Written by customerCAD

2627 Excellent Reviews on  trust pilot

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Compare your options

HELOC vs. Personal Loan4navigates to numbered disclaimer

Figure's HELOC is helping homeowners get a lower rate, lower payments, and longer terms than personal loans.

Figure HELOCAverage Personal Loan*navigates to table disclaimer
Application100% online, see your rate instantlyVaries by lender
Fixed rate1navigates to numbered disclaimerYesYes
Average APRLowerHigher
AmountUp to $400k5navigates to numbered disclaimerUp to $100k
Prepayment penaltyNonePossible
Tax deductibleFor home improvement
(be sure to consult a tax professional)
Not tax deductible
Overall costLowerHigher

See how much you can get with a no-obligation quote3navigates to numbered disclaimer