Figure

4.0 (867 Reviews)

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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

Find my rate

Reviews 867

4.0

Out of 5.0

Tammi Mcglynn

Mar 13,2023

When I needed help, the customer service representatives were very kind and helpful.

Michael S.

Mar 11,2023

This was the best experience! The entire process was easy to follow. Acquiring the necessary documents were simple procedures due to a very well structured web program. Start to finish was faster than I imagined.

Edward Kahn

Mar 10,2023

At 1st I was reluctant, then was very satisfied and secure during the process. I was very surprised at their perfect handling of my loan, they are very careful with their money and do not take risks. I like them a lot and will pass them along to my Family and friends, mostly be patient and follow instructions, they are very helpful and smart, they know a good deal. Satisfied.

Gail Spalding

Mar 10,2023

Refunded with no quibble

Wendy M

Mar 10,2023

Their heloc loan process could not have gone any smoother than it did. The application process is so quick and easy. After I met with a notary, there was a 3 day waiting period in case I changed my mind, then I received my funds 2 days later. I highly recommend using them. You won’t regret it!

C. Zeisloft

Mar 07,2023

This is the easiest most seamless process! Follow all the instructions and Figure does all the work. I had a funds in my account within 6 business days. Great Job Figure!

Phillip Kelman

Mar 06,2023

Very, very streamlined experience. Honestly, almost seemed too easy. They do everything and in quick order. Great, hassle-free experience.

M. Griffin

Mar 06,2023

Once the ball got rolling the process was fast and easy.

Mike G.

Mar 05,2023

Everything was accomplished on line. I did call to speak to a representative regarding a few questions I had, they were very knowledgeable and straight forward no pressure or any BS. I have already recommended them to a few friends and family. Would definitely do business with Figure again.

Sandra Caraway

Mar 03,2023

The entire process was excellent!!! Customer service, application, understanding of the process, professional, secure which I really like. The time of process . Before I applied , I read the reviews and they were right. Great experience with Figure!

Shawn Barat

Mar 03,2023

After going through three days with another company of sending documents and "will they, won't they", within 15 minutes of work online, I was approved from Figure. I knew we had equity in our home that we could use and I'm so glad that Figure made the process SO easy.

Terry Q.

Mar 03,2023

struggled a little at first, but the staff that help me were great, and mad it easy to finish the application.

Allan

Feb 28,2023

I recently applied, but as I'm in the computer security business, I took a critical look at their security. It's bad, and I suspect based on 1990 threat actors. We I called them about this, the lady said that they have to comply with HIPPA regulations and the company is based in Nevada. HIPPA applies to medical information and the companyh is in South Carolina. Go Figure! I withdrew my application.

Rachelle

Feb 25,2023

The process of getting the HELOC loan was super easy and someone was always ready to answer questions and tell me next steps. I was nervous about it because I saw lots of bad reviews on the BBB site, but Bank Rate has Figure listed as one of the top HELOC loans. I found everyone to be helpful, straight forward, and the process to be fast! The notary met us within 5 days of my initial interest, and my loan was funded within 5 days after. I also like that this HELOC is different in that the interest rate does not fluctuate on the initial draw like it does for traditional HELOC.The notary was also very kind and met us at my wife’s work to get everything signed. Thank you Figure!

Patricia

Feb 23,2023

Very friendly customer service. Extremely helpful. Very happy with them

Matt Miller

Feb 23,2023

We applied and were told that our property was ineligible. This has to do with my profession and how it is listed through the county. So according to Bill at customer service. Their system is entirely automated and the there is nothing they could do to help us. Not because there was an issue with our credit or income. Bill confirmed that this had occurred before and was a known issue, yet they were unwilling to try to find a solution.