Digital HELOC:
A Faster Bank Loan Alternative
- Enjoy a seamless, paperless application process
- Apply in 5 minutes with funding in as few as 5 days
- Tap into your home equity for up to $750,000
- Say goodbye to unpredictable payments — lock in a competitive, fixed rate
100% Online Application
Say goodbye to endless paperwork. Get approved in just 5 minutes from the comfort of your home.
Competitive, Fixed Rates
Our HELOC rates are fixed so you always know exactly how much your payment will be. No surprises.
Funding in as Few as 5 Days
Traditional banks take 2-6 weeks. Our digital process gets your funds in as few as 5 business days.
Online Notary & Support
Easy online notary services with expert customer support every step of the way.
| Traditional Bank HELOC | Digital HELOC | |
|---|---|---|
| Rate | Variable | Fixed ✓ |
| Prepayment Penalty | Possible, varies by lender | Never ✓ |
| Fund Disbursement | 2–6 Weeks | As few as 5 days ✓ |
| Application Process | In-person, paperwork heavy | 100% Online ✓ |
| Credit Impact to Check Rate | Hard pull | Soft pull (no impact) ✓ |
Greater Borrowing Flexibility
A HELOC is faster and has easier approvals, better terms, and fixed rates. If you're a homeowner with equity in your home, a Digital HELOC through West Capital Lending may be the perfect solution for your financing needs.
Get Started with Your HELOC Application →Debt Consolidation
Credit card debt can compound at 20%+. A HELOC can offer under 10% simple interest — a smarter way to pay off high-interest debt.
Home Improvements
Renovate your kitchen, add a bathroom, or upgrade your home. Invest in your property and increase its value.
Education Expenses
Fund college tuition or professional development at rates often lower than student loans.
Medical Bills
Cover unexpected medical expenses with a fixed, predictable payment you can budget around.
Investment Property
Use your equity to fund a down payment on a rental or investment property and grow your portfolio.
Emergency Fund
Have peace of mind knowing you have access to funds when life throws you a curveball.
Ready to Access Your Home Equity?
Apply in 5 Minutes →Fred Chilton | NMLS #1810817 | West Capital Lending, Inc. NMLS #1566096 | 24 Executive Park, Suite 250 Irvine, CA 92614
West Capital Lending is an Equal Housing Lender. This is not an offer or extension of credit or a commitment to lend. All loan programs are subject to the specific lender's underwriting guidelines. Not all programs are available in all areas. Not all borrowers will qualify for all programs. Program restrictions apply.
West Capital Lending is using a white label service provided by Figure Lending. Figure Lending LLC is a wholly-owned subsidiary of Figure Technology Solutions, Inc., a financial technology company.
1. The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature.
2. Approval may be granted in five minutes but is ultimately subject to verification of income and employment. Five business day funding timeline assumes closing the loan with our remote online notary.
3. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score.