Get the cash you need without leaving home

Apply with our 100% online application in minutes and receive funding in as few as 5 days.2navigates to numbered disclaimer No need to wait for an in-person appraisal. Get the funds you need now, and move forward with life.

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

9+ Billion in Equity unlocked with Figure's platform

Approval in 5 minutes, funding in 5 days

Figure is the


Non-Bank Home Equity
Line of Credit in the U.S.

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

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Compare your options

HELOC vs. Cash-Out Refinance

Figure's HELOC is helping homeowners save thousands of dollars in interest payments compared to a cash-out refinance.

Figure HELOC

Cash-Out Refinance

Fixed RateYesYes
Online ApplicationYesYes
Shorter Term OptionsYesNo
Ability to redrawYesNo
Fast Access to CashYesNo
Approval in 5 MinutesYesNo

The average homeowner could save $80k

with a HELOC vs a Cash-Out Refinance

All savings calculations are estimates. Savings totals are calculated using the average mortgage balance, average interest rates, and average HELOC amount applied for, and subtracting the difference paid over the life of the estimated loan terms. Actual savings will depend on several factors determined at the time of application and may be less than estimated. For a complete itemization of the assumptions used, please visit our source.