Get a HELOC in Days, Not WeeksTap Into Your Home Equity
Unlock up to $1,000,000 of your home's equity with lightning-fast approval. No appraisal.* Funds in as few as 5 days on a primary residence, or as soon as the day after signing on a second home or investment property.
Your Equity Potential
$1M
Maximum Available Credit
Choose Your Path
Find Your Perfect HELOC
Multiple HELOC options to match every borrower's needs and preferences.
| Feature | Figure HELOC | NFTY HELOC | HELOC Card |
|---|---|---|---|
| Credit Line Range | $25K – $750K | $10K – $750K | $5K – $1M |
| Min. Credit Score | 600 | 640 | 620 |
| Funding Speed | 5 Days (Primary) · Next Day (2nd/Investment) | 5 Days (Primary) · Next Day (2nd/Investment) | 5 Days (Primary) · Next Day (2nd/Investment) |
| Application | Online | 100% Digital | Online |
| Credit Check | Soft Pull | Soft Pull | Soft Pull |
| Appraisal | Not Required* | Not Required* | Not Required* |
NEXA NFTY HELOC
Powered by NFTYDoor
Complete your HELOC application 100% online with credit lines from $10K to $750K. No obligation, no hard credit pull until you accept your offer.
- Credit lines from $10K to $750K
- Minimum credit score of 640
- Funds in as few as 5 days
- Soft credit pull upfront
- 100% digital application
NEXA Figure HELOC
Primary Product
Industry-leading HELOC with credit lines from $25K to $750K. Get pre-qualified in 5 minutes with a soft credit check.
- Credit lines from $25K to $750K
- Minimum credit score of 600
- Funds in as few as 5 days
- Soft credit pull upfront
- No appraisal required*
NEXA HELOC Card
Home Equity Line of Credit
Access your home equity through a convenient credit card with credit lines from $5K to $1M. Competitive home equity rates with card flexibility.
- Credit lines from $5K to $1M
- Minimum credit score of 620
- Funds in as few as 5 days
- Soft credit pull upfront
- Credit card convenience
$1M
Max Credit
5 min
Approval Time
5 days
To Funding
600+
Min FICO Score
Social Proof
What Our Borrowers Say
Real homeowners who unlocked their equity and changed their financial picture. Verified borrower testimonials.
4.9/5 Average Rating
Verified Borrowers
98% Satisfaction
Based on Post-Funding Surveys
No Hard Credit Pull
To Pre-Qualify
Licensed Lender
NMLS #1660690
"I was skeptical at first, but the process was shockingly fast. Pre-qualified in 5 minutes, funds in my account 5 days later. Used it to fully renovate my kitchen — total game changer for our family."
Maria T.
Austin, TX
Amount
$85,000
Used For
Kitchen Renovation
"I paid off three high-interest credit cards with one HELOC and cut my monthly interest by more than half. The fixed rate gave me peace of mind and a clear payoff path. Highly recommend."
David R.
Denver, CO
Amount
$120,000
Used For
Debt Consolidation
"We added a bedroom and bathroom for our growing family. No appraisal, no office visits, everything online. The team was responsive and the funds came through exactly when promised."
Jennifer & Mark L.
Phoenix, AZ
Amount
$60,000
Used For
Home Addition
"As a real estate investor, speed matters. Lightning Fast HELOC delivered. Soft credit check, transparent terms, and money in days — not weeks. This is now my go-to for equity access."
Robert K.
Charlotte, NC
Amount
$45,000
Used For
Investment Property
Get Started
Ready to Unlock Your Equity?
Speak with a Licensed Loan Officer or start your application online. Pre-qualify in just 5 minutes with a soft credit check.