Homeowner, your house could help you pay off high‑interest debt!
- Reduce high-interest debt payments by $500–$600 each month with one simple, lower monthly payment.*
- Fast funding in as few as 5 days for loans under $400K.2: Navigates to numbered disclaimer
- Get your rate as of July 24, 2025. 5 minute approval. No impact to your credit score.3: Navigates to bottom disclaimer: Navigates to bottom disclaimer
Checking your rate will not impact your credit.3: Navigates to numbered disclaimer
Money from a Home Equity Line of Credit can help you consolidate credit-card, personal, auto, and even mortgage debt—use our HELOC calculator to see how much you could borrow
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How Figure stacks up to other kinds of loans
Compare side-by-side to help you make an informed decision about tapping into your home’s equity.
| Figure HELOC | Average Personal Loan* | Traditional Bank HELOC*** | |
|---|---|---|---|
| Tax benefits | Interest may be tax-deductible if used for home improvements** | Not tax deductible | For home improvement (be sure to consult a tax professional) |
| Loan amount | Based on home equity, can be up to $750k5: Navigates to numbered disclaimer | Varies by lender—typically up to $100k | Varies by lender —typically up to $400k |
| Fund disbursement | Get funding in as few as 5 days on loans of $400K or less2: Navigates to numbered disclaimer | Varies by lender, 1-3 days after approval | 2-6 weeks |
| Application | 100% online, see your rate in minutes | Varies by lender | Varies by lender—may require in-person appraisal |
| Average APR | Lower4: Navigates to numbered disclaimer | Higher | Variable rates, potentially higher |
- * money.usnews.com/loans/personal-loans/articles/personal-loan-vs-home-equity-loan-which-is-better
- ** Please consult a tax advisor regarding the deductibility of interest and charges to your Figure Home Equity Line.
- *** lendingtree.com/home/home-equity/the-fastest-way-to-tap-your-home-equity/
Use our HELOC calculator to see how much you could qualify to borrow
The amount you can borrow with a HELOC will vary based on certain factors such as the appraised value of your home and what percentage of that value the lender will allow you to borrow.
To determine how much you can borrow with a HELOC, you need to first calculate the maximum amount of equity that could be borrowed. Figure’s loan amounts range from a minimum of $15,000 to a maximum of $750,000.5: Navigates to numbered disclaimer
Checking your rate today won’t impact your credit!
Adjust the chart below to create the custom amount that relates to you.
$800,000
Current Home Value
$550,000
Remaining Mortgage Amount
In this scenario, you could qualify to borrow up to
$90,000
Check Out Your Rate*Based on borrowing 80% of your current home value
Simplify high-interest debt with a home equity line — it’s easy to start
Figure HELOC allows you to consolidate your debt using your home’s equity in 3 simple steps:
- 1
Start your Figure HELOC application to get your free rate
No credit impact3: Navigates to numbered disclaimer
- 2
Choose the debts you want to consolidate
Use our built-in Intellidebt tool to pick which balances to pay off and see exactly how your monthly payment will change.
- 3
Complete your application in minutes
Consolidate your high-interest debts into one lower monthly payment!
Quick and easy loan all done online!
Getting a loan was all done online easily with money in our account in days! We now have no more credit card debt! Everything is one lower payment we can afford and our house is our only debt now! We can afford to enjoy life again without constant worry!
Written by customer— Amanda G.
The whole process was easy and I got a great rate!
It was a straight forward, guided experience and the result was a great interest rate. The savings in interest and consolidation using the equity in my home saved me over $700 in monthly payments.
Written by customer— Jeremiah
My experience with Figure was so simple
In just a few days the money was deposited into my bank account! I was able to use equity in my home to pay off my credit card debt that had been overwhelming me financially. I was barely able to pay just the interest on my credit card debt. Now I just have one low monthly payment, and my credit card debt is gone!
Written by customer— Jackie
Easy Application Process
I needed to get rid of some credit card debt and Figure gave me the chance to do it, while others would not.
Written by customer— Dennis G.
3366 Excellent Reviews on trust pilot
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