seniors couple man woman backs turned looking at house home
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An HELOC, or Home Equity Line of Credit, is kind of a cross between a home equity loan and a credit card. Like a home equity loan, you’ll use the equity in your home as collateral, and like a credit card, you get pre-approved for a certain amount, then take what you need when you need it.

Our partner, Figure, offers great rates on HELOCs with a simple, electronic preapproval process that will show you the rate they’re offering without affecting your credit score. The application is 100% online with same-day approval, takes about 5 minutes to complete, and you can receive funding in as few as 5 days.

Whether you’re looking to consolidate higher interest debt into a loan with a lower rate and gentler payback schedule, tackle a home improvement project, or just want to have the credit available in case of a rainy day, Figure makes it simple and easy to unlock some of the equity in your home.

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