Apply fast for your HELOC - Home Equity Line of Credit
- Apply with our 100% online application in minutes.2: Navigates to numbered disclaimer
- Fast, online 5-minute approval.2: Navigates to numbered disclaimer
- Borrow up to $400k using your home equity in Texas.5: Navigates to numbered disclaimer
- Get your rate as of June 11, 2025.
- 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
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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
100% Online Application
Say goodbye to the endless paperwork processes of traditional banks.
Fast and Easy
Get your personalized rate in seconds, and approval in minutes.
What can I use a home equity line of credit for?
A HELOC can be used for many different purposes such as:
Just want to say that the whole process was so transparent.
Figure has given us very professional individuals to get our process taken care of. We would recommend Figure.
Written by customer— Richard B.
This was the easiest loan I have ever obtained.
They have definitely streamlined the process for a HELOC loan. I would recommend them for anyone looking for an affordable HELOC.
Written by customer— TBaker
Our experience from the beginning was excellent.
Great customer service. They made things easy and explained every question my wife had.
Written by customer— Frenchy T.
3211 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 |