Apply For Your Fast Figure HELOC Without An In-Person Appraisal
- Apply with our 100% online application in minutes with funding in as few as 5 days.2: Navigates to numbered disclaimer
- Get your rate as of June 6, 2025.
- Faster than a bank loan, cheaper than a personal loan.
- Homeowners who choose a HELOC can save $3,000+ in interest over a Personal Loan.**
- 5 minute approval. No impact to your credit score.3: Navigates 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.3: Navigates to numbered disclaimer
**cbsnews.com/news/heres-how-much-youd-save-by-using-a-heloc/
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Approval in 5 minutes, funding in as few as 5 days2: Navigates to numbered disclaimer
100% online application
No in-person appraisal needed. Get approved in 5 minutes.
Fixed rates1: Navigates 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 $400k5: Navigates to numbered disclaimer
Borrow up to $400,000 with one-time origination fee.6: Navigates 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:
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 customer— CAD
Painless way to borrow money
I wanted a HELOC for debt consolidation purposes and Figure made it happen for me all at my computer keyboard! Favorable terms with ability for early repayment. Recommend highly!
Written by customer— Laurence J.
Figure was a breath of fresh air...
After going crazy with a different HELOC company, Figure was a breath of fresh air. I was approved and closed within 24 hrs. The money should be delivered within 5 business days. Rates were on par and flexible choices sealed the deal.
Written by customer— Steve M.
Quick and painless HELOC
I had started a traditional HELOC application with a standard bank and it was taking forever -- five-plus weeks. I decided to try Figure to see if I could get things done faster and it was incredibly quick and easy, and basically the same rate. I wish I'd gone with them first!
Written by customer— Margaret H.
3193 Excellent Reviews on trust pilot
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HELOC vs. Personal Loan4: Navigates to numbered disclaimer
Figure's HELOC is helping homeowners get a lower rate, lower payments, and longer terms than personal loans.
| Figure HELOC | Average Personal Loan*: Navigates to table disclaimer | |
|---|---|---|
| Application | 100% online, see your rate instantly | Varies by lender |
| Fixed rate1: Navigates to numbered disclaimer | ||
| Average APR | Lower | Higher |
| Amount | Up to $400k5: 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 |