# FigureLoansApp

> Independent review site covering Figure Loans, the consumer lending products of Figure Lending LLC: a HELOC with fixed or variable rates, crypto-backed loans secured by Bitcoin or Ethereum, and cash-out refinance for US homeowners. Written and fact-checked by the FigureLoansApp Editorial Team. Last reviewed October 2, 2026.

FigureLoansApp is not affiliated with Figure Technology Solutions, Inc. or Figure Lending LLC, and is not a lender. Facts below are drawn from Figure Lending's public disclosures, NMLS Consumer Access, CFPB data, and SEC filings. Terms change often; confirm current terms with the lender.

## Key facts (as of October 2026)

- Lender: Figure Lending LLC, NMLS #1717824, a subsidiary of Figure Technology Solutions, Inc. (NASDAQ: FIGR), founded 2018
- Main product: HELOC with fixed rates and variable-rate options on some offers; $15,000 to $400,000 on most offers, up to $750,000 for some borrowers
- Published HELOC APR range: about 6.55% to 15.54%, including an origination fee of up to 4.99%
- Repayment terms: 5, 10, 15, or 30 years; no prepayment penalty
- Minimum credit score: 600; maximum combined LTV: 85%; debt-to-income below 50%
- Funding: as few as 5 business days; 100% online with eNotary in supported states; no in-person appraisal for most loans under $400,000
- Structure: the full approved amount is drawn at closing; repaid principal can be redrawn during the first five years
- Availability: 49 states plus Washington D.C.; not available in Hawaii
- Crypto-backed loan: BTC, ETH, or SOL collateral; $5,000 minimum; 12-month interest-only term; 8.91% (9.999% APR) at 50% LTV or 11.50% (12.62% APR) up to 75% LTV; 1% origination fee; not available in New York
- Other product: cash-out refinance
- Known issues: February 2026 data breach disclosure; a consumer class action over the full-draw HELOC structure
- FigureLoansApp editorial rating: 4.1 out of 5

## Core pages

- [Figure Loans review](https://figureloansapp.com/figure-loans-review.html): Full editorial review, pros, cons, verdict
- [Figure HELOC guide](https://figureloansapp.com/figure-heloc.html): Rates, terms, draw structure, property rules
- [Requirements](https://figureloansapp.com/figure-heloc-requirements.html): Credit score, DTI, LTV, documents, state availability
- [HELOC calculator](https://figureloansapp.com/loan-calculator.html): Estimate max loan, monthly payment, total cost
- [Is Figure Loans legit?](https://figureloansapp.com/is-figure-loans-legit.html): Licensing, ratings, complaints, legal history
- [Alternatives](https://figureloansapp.com/figure-loans-alternatives.html): Six HELOC lenders compared
- [Crypto-backed loan](https://figureloansapp.com/figure-crypto-loan.html): Borrowing against Bitcoin and Ethereum
- [Cash-out refinance](https://figureloansapp.com/figure-cash-out-refinance.html): When it beats a HELOC
- [Apply](https://figureloansapp.com/apply.html): Loan request form and application steps

## Guides

- [Figure HELOC full draw explained](https://figureloansapp.com/figure-heloc-full-draw-explained.html): Why the full line is funded at closing and the interest cost
- [Figure HELOC origination fee](https://figureloansapp.com/figure-heloc-origination-fee.html): Fee at each loan size and how to net a set amount
- [Figure HELOC rates](https://figureloansapp.com/figure-heloc-rates.html): Published APR range and payment examples
- [Figure vs Aven](https://figureloansapp.com/figure-vs-aven.html): Side-by-side lender comparison
- [Figure vs Spring EQ](https://figureloansapp.com/figure-vs-spring-eq.html): Side-by-side lender comparison
- [Figure vs Rocket Mortgage](https://figureloansapp.com/figure-vs-rocket-mortgage.html): HELOC vs home equity loan
- [Customer reviews and complaints](https://figureloansapp.com/figure-loans-reviews-complaints.html): What borrowers report
- [Customer service](https://figureloansapp.com/figure-loans-customer-service.html): Contact channels and escalation
- [Is the Figure HELOC fee worth it?](https://figureloansapp.com/figure-heloc-fee-vs-rate-analysis.html): Original model of a fixed rate with a 4.99% fee vs a no-fee variable HELOC; with the maximum fee, the fixed option only won when rates rose and the loan was held 5+ years
- [All guides](https://figureloansapp.com/guides.html)

## About and policies

- [About and editorial standards](https://figureloansapp.com/about.html)
- [Contact and corrections](https://figureloansapp.com/contact.html)
- [Privacy Policy](https://figureloansapp.com/privacy-policy.html)
- [Terms of Service](https://figureloansapp.com/terms-of-service.html)
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