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Figure — HELOC Review
Figure's heloc starts at 8.55% APR for qualified borrowers as of June 2026.
APR
8.55%
APR
8.55%
Loan type
HELOC
Term
60 mo
Min credit
640
Origination fee
4.99%
Max amount
$400,000
Overview
Figure offers helocs with APRs starting at 8.55%. 5-day approval, fully online.
For June 2026, rates are benchmarked against the Federal Reserve's G.19 release for consumer credit (48-month auto and 24-month personal). Your final APR depends on credit score, income, debt-to-income ratio, and loan term.
Note the 4.99% origination fee is deducted from your loan proceeds.
Pros
- +Starting APR of 8.55% is competitive for helocs
- +Transparent fee disclosure
- +60-month term provides predictable payments
Cons
- −Requires 640+ FICO for best rates
- −4.99% origination fee
- −Prequalification may impact your rate quote
How it compares
How we review
We review loans using verified rate data and lender disclosures. Rankings prioritize rate, fees, terms, and institutional safety — not affiliate payout. Read the full methodology.