Figure Home Equity Line vs. LightStream Auto Loan
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.
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WealthSpott Verdict
Figure Home Equity Line wins on more measurable categories — particularly on rate and cost. LightStream Auto Loan may still be the right fit depending on your loan amount and term needs.
Feature
Figure Home Equity
LightStream Auto Loan
APR Range
7.35% – 15.54%
6.49% – 20.49% Best
Loan Amount
$15,000 – $400,000 Best
$5,000 – $100,000
Term Length
60–360 months
24–84 months
Origination Fee
0%–4.99% of draw amount (rolled into balance)
None
Min Credit Score
640+ Best
660+
Funding Speed
As fast as 5 business days
Same day
Figure Home Equity Line
LightStream Auto Loan
Pros
- Very competitive rates
- Very competitive rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Best for strong credit
- Best for strong credit
- Online only
- Online only
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