The Figure is a home equity line of credit from Figure. The ongoing APR is initial APRs 7.35%-14.85% (as of October 23, 2026); fixed initial draw, later draws Prime + fixed margin. Typical credit limit: $15,000-$750,000 (AK min $25,001; TX min $35,000). Loan terms: 10, 15, 20 or 30 years. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.