Figure Home Equity Line vs. Wells Fargo 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.
Full review →
Wells Fargo Home Improvement Loan
Wells Fargo
4.0
APR 9.49–24.99%. Up to $100K. Major bank support.
Full review →WealthSpott Verdict
Figure Home Equity Line wins on more measurable categories — particularly on rate and cost. Wells Fargo Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
Figure Home Equity
Wells Fargo Home
APR Range
7.35% – 15.54% Best
9.49% – 24.99%
Loan Amount
$15,000 – $400,000 Best
$3,000 – $100,000
Term Length
60–360 months
12–84 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
1–3 days
Figure Home Equity Line
Wells Fargo Home Improvement Loan
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