Figure Home Equity Line vs. Marcus 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 →Marcus Student Loan Refinance
Marcus by Goldman Sachs
4.4
APR 5.99–9.99%. Up to $300K. Goldman Sachs backing.
Full review →WealthSpott Verdict
Figure Home Equity Line wins on more measurable categories — particularly on rate and cost. Marcus Student Loan Refinance may still be the right fit depending on your loan amount and term needs.
Feature
Figure Home Equity
Marcus Student Loan
APR Range
7.35% – 15.54%
5.99% – 9.99% Best
Loan Amount
$15,000 – $400,000 Best
$5,000 – $300,000
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
660+
Funding Speed
As fast as 5 business days
2–4 weeks
Figure Home Equity Line
Marcus Student Loan Refinance
Not sure which loan is right for you?
Browse all loans