A home equity line of credit, or HELOC, is a form of borrowing that is secured by the equity you have in your home.

Can I use a HELOC to pay for medical expenses?

HELOC funds can be used to pay for procedures, surgeries, medications, hospital stays, prescriptions, medical equipment and devices, copays, home help nursing, and other medical costs.

Will You Need to Pay Capital Gains Tax When You Sell Your Home?

Home sellers are eligible to exclude federal capital gains taxes on the sale of their primary residence on profits up to $250,000 for a single filer or $500,000 for joint returns as long as they owned and lived in their home for 2 of the past 5 years.

What are the tax benefits of a Home Equity Line of Credit?

Depending on how you use the funds, interest payments from a home equity loan or home equity line of credit might be tax deductible when filing your annual taxes.

Finance, without the friction

Figure uses blockchain and AI to deliver a new standard in financial efficiency: faster approvals, lower costs, and transparent access.

Figure HELOC

Get approved in 5 minutes, funding in as few as 5 days^{2: Navigates to numbered disclaimer}
Borrow up to $750,000^{5: Navigates to numbered disclaimer}
Rates as low as 6.80% APR!^{6: Navigates to numbered disclaimer}

Get started

Cash-Out Refinance

You could lower your monthly payment by consolidating your loans into one easy payment.

DSCR Refinance

Real estate investors can get approved using rental income, not personal income.

Crypto-Backed Loan

Borrow against your crypto (BTC, ETH, and SOL). Interest-only for the 12-month term.

Democratized Prime

Lend your cash or your crypto to get up to 9% yield, or borrow with a Flex Rate Loan.

BBB RATING: A+

$25B+in equity unlocked with Figure's platform
253K+households served with Figure's platform

What our customers have to say

First time experience, this is a great platform
Carlos M.Crypto-backed loan, 5 stars
I would highly recommend Figure to anyone
RyanDSCR, 5 stars
Quick and painless HELOC
MargaretHELOC, 5 stars

EdgarHELOC, 5 stars

The first and largest financial platform using blockchain to drive real-world value to consumers, investors, partners, financial institutions

Unlock liquidity through Figure's fast, digital experience

Home renovation, debt consolidation, new business ventures, and more.

Why blockchain?

Blockchain technology removes the layers of intermediaries that have long slowed things down and driven up costs. With a more efficient foundation, Figure delivers a modern financial experience—faster decisions, lower costs, and stronger economics for institutions and consumers alike.

Faster decisions
Lower costs
Fewer middlemen

Unlock more financial possibilities with Figure

Cash-Out Refinance

Consolidate your personal loans, credit cards, and mortgage into one easy payment with a Figure HELOC. Approval in 5 minutes, funding in as few as 5 days.^{2: Navigates to numbered disclaimer}

Learn more

No personal income required. Grow your rental portfolio

DSCR Refinance

Real estate investors can get approved using your rental income instead of your personal income. Get approved in as few as 5 minutes and initiate funding in days not weeks.^{8: Navigates to numbered disclaimer}

Learn more

Crypto-Backed Loan

Borrow against your crypto assets (BTC, ETH, and SOL). Get a 12-month term and 8.91% interest rates (9.999% APR), the lowest fixed interest rate at 50% LTV in the industry!

Learn more

Democratized Prime

Through Figure Markets, lend your cash or your crypto to earn up to 9% yield against real world assets or by supporting margin traders.

Learn more

Market interest rate. No term limit. Interest deferral

Flex Rate

Through Democratized Prime, you can borrow up to 75% LTV against your entire crypto portfolio, with no term limits, no credit checks, and no delays.

Learn more

Consolidate your personal loans, credit cards, and mortgage into one easy payment with a Figure HELOC. Approval in 5 minutes, funding in as few as 5 days.^{2: Navigates to numbered disclaimer}
Learn more
Real estate investors can get approved using your rental income instead of your personal income. Get approved in as few as 5 minutes and initiate funding in days not weeks.^{8: Navigates to numbered disclaimer}
Learn more
Borrow against your crypto assets (BTC, ETH, and SOL). Get a 12-month term and 8.91% interest rates (9.999% APR), the lowest fixed interest rate at 50% LTV in the industry!
Learn more
Through Figure Markets, lend your cash or your crypto to earn up to 9% yield against real world assets or by supporting margin traders.
Learn more Opens in a new window.
Through Democratized Prime, you can borrow up to 75% LTV against your entire crypto portfolio, with no term limits, no credit checks, and no delays.
Learn more Opens in a new window.

Join our 253K+ happy customers

Find my HELOC rate