Figure Home Equity Line vs. SoFi 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. SoFi Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
Figure Home Equity
SoFi Personal Loan
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
Figure Home Equity Line
SoFi Personal Loan
Pros
- No origination or prepayment fees
- No origination or prepayment fees
- Unemployment protection available
- Unemployment protection available
- Fast online application
- Fast online application
Cons
- Good credit typically required
- Good credit typically required
- Not available in all states
- Not available in all states
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