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Homeownership gives you options, Figure unlocks them for you.
Figure is the #1 non-bank home equity lines of credit (HELOC) lender in America. You can access the cash you need without ever leaving home. Get your rate online in minutes. Approval in 5 minutes and funding in as few as 5 days* at figure.com.
What sets Figure apart?
Apply with our 100% online application in minutes with funding in as few as 5 days.* Lines of credit available from $15k - $400k* Faster than a bank loan, cheaper than a personal loan. 5 minute approval. No impact to your credit score.* Get the funds you need now to start that home improvement project or consolidate your debt.
*Terms and conditions apply. Visit figure.com/disclosures
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Reviews 867
Candice Tuttle
Oct 17,2024Staff is very knowledgeable and friendly. Easy application process, with help along the way. Would apply again in the future
Robert Kempe
Oct 17,2024It was 100% online, so no personal experience, its was just necessary stuff.
Kimberly Foss
Oct 17,2024Easy to fill out application and complete notarized signatures.
Cidnee Hoyt
Oct 16,2024Very easy and fast
Micki Duff
Oct 14,2024This company is typing it's own reviews!!!! DO NOT use this company. They did a hard inquiry. All of the paperwork. We were ONLY waiting to sign documents via the e-notary. Then, we receive an email stating that there is a typo on the Social Security number. IMPOSSIBLE. They pulled credit reports, pulled the equity report, deed, etc using the SAME social security number. Two weeks since this process started and today I get - your application has been cancelled due to a typo on the social security number. They can't even tell me WHO made the typo or when it was made. Oh, while this process is happening, you will deal with multiple reps, send emails over and over because the reps do not communicate with each other nor do they update info that you send. Sent photos of my husbands social secuirty card TWICE only to still get there is a typo. Nothing but a complete waste of time the last two weeks.
darlene
Oct 13,2024The people were very pleasant and it was fast.
David Bammel
Oct 13,2024Couldn't ask for an easier process. It was simple and straight forward. The only thing I would change is an option to opt out of the notary coming to me, an amazing service but should be an option. Do you need a notary? If yes click here if not print out sign appropriately and here is a label to overnight the documents. Not a complaint just a suggestion. Already have recommended to several people already.
Derek Magorian
Oct 12,2024Was an easy process to follow. Only complaint would be the time it takes to get the funds. But a good experience
Andrew
Oct 11,2024If you live in the state of Texas and have a mortgage, you may want to skip this bank. My application was put on hold because I was told I had a "vendor lien" on my home, which was a big surprise. I called Figure several times about what details they could tell me about the vendor lien. The first several people that I talked to there acted like I was asking for top secret information and would only give me the basics, it was a vendor lien, something regarding a warranty and something else vague. I researched this on my county website and even called the county clerk and they didn't know of any vendor lien on the house. I finally got frustrated and contacted a title attorney and she looked it up. Apparently my current mortgage showed up as a vendor lien and was something that was normal in the State of Texas. She sent me a copy of it and you could clearly see that it was for my mortgage. Armed with this information, I went back to Figure and because no one had any sense there, they said the only way they can process the application further is if I pay off my mortgage. Say what? I even escalated and the escalation person read from a script and would not budge, even after clearly explaining this is for my current mortgage. I hung up pissed. The blessing in disguise is that I had to go elsewhere and got a much better rate with much lower up front costs. I hated that I wasted an entire morning with a wild goose chase, but it worked out in the end. For me. Figure, keep your money, losers
Lisa
Oct 11,2024I have worked with figure twice and both times it was fast and easy. The reps are always ready on chat and will answer any question. The whole process happens quickly and only took me a few minutes to fill out the paperwork.
Beverly Goyne
Oct 11,2024It was easy and fast.
MH
Oct 11,2024Very fast and easy process money in 8 days.
Shaobing Li
Oct 10,2024My application process was efficient and went smoothly till I received the loan.
Danica
Oct 10,2024Quick and easy. We had a few emails about the pictures of our ID’s not being clear but when we logged in, it didn’t show we needed to redo them. We call and they were quick with answers and very helpful. The whole process was easy and seamless.
Chris Christofi
Oct 09,2024Very proffesional to the point, got my loan No problem, i will recomment to others as they did to me, great stuff,
Christopher Hobgood
Oct 09,2024Very easy process and very convenient, it doesn’t require any time out of your work schedule and that was great for me.
William Ramirez
Oct 07,2024We were very happy with the pace at which our HELOC was processed. Also the whole process was not complicated.
Robin Peterson
Oct 07,2024The experience was great, fast and the employees were very helpful and friendly. I highly recommend this company.
Tracie Purinton
Oct 07,2024Applied and got approved very quickly – then was notified by email loan was waiting on title review. It has now been 24 days and still waiting on title review. When I asked for an update was initially told that Texas had a 12-day cooling off period that was the delay. After the 12 days cooling off period expired, I was told waiting on the title review which would take 5 days. Obviously, it has been past 5 days, yet the same the answer I get every time on an expected ETA is “title typically takes 5 days”. No one will give me an ETA or tell me if there is a problem, I feel like I should apply for the HELOC someplace else but am hesitant to start the process all over again. Feels like the HELOC with Figure is a not go.
650 S. Tryon Street, 8th Floor, 28202, Charlotte, US
https://www.figure.com/
Gary Andrews
Oct 18,2024Easy and quick from the application to the money in hand. All of the "red tape" is handled by FIGURE. Great experience throughout the process.