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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
Brian
Apr 27,2023Compared to other lenders, Figure was the fastest, easiest solution I was eSigning within 48 hours with very competitive rates.
Jorge Hoyos
Apr 27,2023Very quick and simple. Right to the point without adding some much fluff most bankers do. Really impress with the speed and very competitive interest rates.
Angie Brown
Apr 26,2023Best re-fi/equity process I've ever experienced and no my credit score did not drop after a pretty large pull out of equity. Go with them, stop looking.
Jose Garza
Apr 25,2023We have done business for a few years now and i have only great experiences up to this point. Most likely will recommend to family and friends...
Gabriel John Stephen
Apr 24,2023Friendly, Smooth, and easy!
CYNDI WILSON
Apr 21,2023The ease of the entire process
Richard Anderson
Apr 21,2023Very easy and responsive.
Barbara Thomas
Apr 20,2023My experience with Figure Lending LLC was an extremely positive one. Customer service was very helpful, and the entire process of applying and being approved for my home equity (Heloc) loan was expedited and frustration free.
Mr. Right
Apr 20,2023You made it much easier lending process by comparison to the traditional lenders. You have a sharp comparative edge. Keep up the good service. Thank you
Permjeet S
Apr 18,2023The process was super quick and straight forward. They guide you through the entire application. The e-notary session was awesome. Really convenient. Got my cash within a week and could not be happier with the process.
Mark
Apr 18,2023The process was very easy, everyone was was very helpful and professional Thank You. Great Experience
George
Apr 18,2023The customer experience for my Chat session was fast, efficient and solved several problems at once. The agent was able to change a form value that was incorrect, as well has helping me login, and giving me accurate status on the loan application next steps. Thank you!!! Good work Figure.
Tim Veach
Apr 17,2023I agree with people who say these guys are just gathering our personal info to share with their affiliates. I put in my app. They said I didn’t qualify... reason?Experian credit score and delinquent accounts??? I'm looking at my Experian report on Experian right now. My score is 779, no delinquent accounts. On a side note I'm only using 8% of my available credit. So if you have a credit score of 779 and no delinquent accounts you WON'T qualify for a Figure HELOC. It's unclear what you need to qualify. 850 score with zero revolving credit debt? Or maybe low score so you'd accept a lousy interest rate? Anyway, don't waste your time.
George Burton Shaw
Apr 16,2023It took a while but the Figure staff were available to answer any question about my application, and to do what's needed, rather than referring you elsewhere. The process went smoothly, even for the semi-computer-illiterate. Great people, good low rate, a pleasure to deal with. Thanks.
Jennifer
Apr 15,2023I sent in insurance paperwork they requested. They charged me anyway for additional insurance. I finally got it straightened out. Next month rolls around, I see that they're going to pull out the additional amount again. I reach out AGAIN to get this resolved. Nope. Bye bye money.
Eric J. McKirdy
Apr 11,2023So easy - I never had to set foot in a bank! This is delightfully disruptive to the financial services industry. I love it.
Rene Garcia
Apr 11,2023I'm A Realtor for 30 years, and got loans with Figure already 2 times with no problems, and recommended them to friends and family. I have been trying to apply with them again for a 3rd time and its been a complete nightmare from the very beginning, even with a credit score of 800 and No debts its been a month a half, and I still haven't been able to get qualify. Most of the Customer associates you talk to sounded like they Couldn't Care Less. Never experience anything like this in my entire life. I just can't believe this is happening.
Jenny Bruce
Apr 10,2023Absolutely a scam - approved me and then told me I needed to resubmit my application to correct the disbursement account. This seemed like a waste of everyone's time and resources, but I did it. I spoke with the agent about cancelling and then resubmitted ALL WITHIN TEN MINUTES and they then denied me. I am pretty sure they just stole all my personal information and then had me cancel my application so they did not have to fund. DO NOT WORK WITH THESE PEOPLE!!! They also do not have dedicated agents so you are just talking to some random customer service person each time.
Jason Chan
Apr 08,2023Loan was processed and money received within days. Highly efficient and automated process, only spent a few minutes online via webcam with the agent to notarize the loan. 1. Applied online evening of 4/3/2023 (Monday) 2. Had brief notarization session on 4/4/2023 at lunch via web cam (Tuesday) 3. Full loan amount deposited in bank on 4/7/2023 (Good Friday)
650 S. Tryon Street, 8th Floor, 28202, Charlotte, US
https://www.figure.com/
Paul Rogers
Apr 27,2023Great experience!!! Pleasant to work with and very fast delivery of funds...great job