HELOCEditor's ReviewSponsored
Figure HELOC Review
Fastest Home Equity Line of Credit
4.5/ 5.0
Starting APRFrom 8.50%
Funding SpeedAs few as 5 days
Max LTVUp to 95%
Draw Amounts$15,000 – $400,000
Top Pick · HELOC
Figure
HELOC funded in as few as 5 days
From 8.50% APR
CalcMoney Editor's Take
Figure has revolutionized HELOCs with a fully digital process that funds in as few as 5 days — versus 4-6 weeks at a traditional bank. The trade-off is a fixed draw rate, but for borrowers who need fast access to equity, it's unmatched.
Pros
- Industry-fastest funding: 5 days vs. industry standard 4-6 weeks
- Access up to 95% of home equity
- Fully digital application — no branch visits
- No in-person appraisal required
Cons
- Fixed-rate draws (not a traditional revolving variable-rate HELOC)
- Origination fee applies
- Not available in all states
Best For
Homeowners needing fast access to equityHome renovations with a set budgetDebt consolidation using home equity
Run the Numbers First
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Rates subject to creditworthiness and property value. State restrictions apply. Not available in all states.