Figure Home Equity Line vs. SoFi Home Improvement 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. SoFi Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
Figure Home Equity
SoFi Home Improvement
APR Range
7.35% – 15.54% Best
8.99% – 25.81%
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
680+
Funding Speed
As fast as 5 business days
Same day to a few days
Figure Home Equity Line
SoFi Home Improvement Loan
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