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F
Figure
Verified4.4(1,392 reviews)
Figure offers the fastest HELOC in the industry — get funds in as few as 5 business days with a fully digital application process.
Rate Range
7.65% – 14.50%
Loan Amount
$15,000 – $400,000
Min Down Payment
$0 / 0%
Time to Close
5 days
Available Loan Types
HELOCHome Equity Loan
Soft credit pull only · No impact to your score
✓Pros
- Funded in 5 business days
- Fully digital application
- Draw up to 95% LTV
- Fixed-rate option available
✗Cons
- •Higher rates than traditional banks
- •Origination fee 0–4.99%
- •Not available in all states
Eligibility Requirements
- Min credit score: 640
- Min home equity: 15%
- Primary or secondary home
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