Figure Home Equity Line vs. LightStream Personal 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 Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
Figure Home Equity
LightStream Personal Loan
APR Range
7.35% – 15.54% Best
7.99% – 25.99%
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 Personal Loan
Pros
- Low APR for qualified borrowers
- Low APR for qualified borrowers
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Higher credit required
- Higher credit required
- No prequalification
- No prequalification
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