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
Approval in 5 minutes, funding in 5 days
100% online application
No in-person appraisal needed. Get approved in 5 minutes.
Option to redraw up to 100%
Lock in a lower rate with the option to redraw up to 100%.
Funding in as few as 5 days2navigates to numbered disclaimer
Borrow up to $400,0005navigates to numbered disclaimer with a 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.
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.
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 Rate | ||
| Online Application | ||
| Shorter Term Options | ||
| Ability to redraw | ||
| Fast Access to Cash | ||
| Approval in 5 Minutes |
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.