Figure Technologies (Intellidebt)
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Figure lets homeowners tap home equity to consolidate high-interest debt through a HELOC, starting from 2018. Their Intellidebt tool shows you payoff scenarios and estimated savings before you apply, helping you understand exactly how much equity to draw and how it impacts your timeline to being debt-free.
Best for homeowners with substantial equity who want to consolidate at lower rates than credit cards or personal loans offer. Home equity rates are typically much cheaper, though this strategy only works if you have property value to borrow against and you're comfortable using your home as collateral.