Spring EQ vs Figure HELOC Comparison
Updated August 6, 2026 · Representative rates from current offers
How to read this comparison
These are representative current offers, not a personalized quote. Your actual APR depends on your credit profile, home value, and combined loan-to-value ratio. Confirm the current terms on each provider’s site before applying.
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FAQ
Is Spring EQ or Figure better?
Rates are close right now, so compare fees, terms, and your personalized quote. The APR you are offered depends on your credit profile.
Are these HELOC rates personalized to me?
No. The rates shown are representative of current offers and will vary with your credit score, home value, existing mortgage balance, and combined loan-to-value ratio. Always get a personalized quote before applying.
Can I apply to both?
Many lenders let you prequalify with a soft credit check that does not affect your score, so you can compare real offers before a hard pull.