Figure Home Equity Line vs. Earnest Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
Figure Home Equity Line
Figure
4.8
Fully digital HELOC with funding in as little as 5 days and a fixed interest rate — no variable-rate risk.
Full review →WealthSpott Verdict
Earnest Student Loan Refinance wins on more measurable categories — particularly on rate and cost. Figure Home Equity Line may still be the right fit depending on your loan amount and term needs.
Feature
Figure Home Equity
Earnest Student Loan
APR Range
7.35% – 15.54%
4.96% – 9.99% Best
Loan Amount
$15,000 – $400,000
$5,000 – $500,000 Best
Term Length
60–360 months
60–240 months
Origination Fee
0%–4.99% of draw amount (rolled into balance)
None
Min Credit Score
640+ Best
650+
Funding Speed
As fast as 5 business days
2–3 weeks
Figure Home Equity Line
Earnest Student Loan Refinance
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