Figure

Figure Review

ByMichael GrawFeb. 09, 2021

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In a Nutshell

Figure offers personal loans up to $50,000 with competitive interest rates and fast funding. The application process is entirely online and you can be approved and have cash in your account within 2 business days. Figure requires relatively good credit, but borrowers can enjoy competitive interest rates.

pros

Fully online application
Get money in as little as 2 business days
Autopay discount available

cons

Minimum 680 credit score
Up to 5% loan origination fee

Figure at a Glance

Direct lender or marketplace?	Direct lender
Loan types	Personal loans
Loan amount	$5,000 to $50,000
Repayment terms	36-60 months
APR	5.99% - 15.00%
Suitable for	Borrowers with strong credit

Figure View Rates

Suitable For?

Figure offers low-interest personal loans to borrowers with a 680 credit score or better. Qualified borrowers can get rates ranging from 5.99% - 15.00% APR, which makes Figure a good option for borrowers seeking an unsecured personal loan. Figure also appeals to borrowers who want to apply for a loan entirely online.

Loan Features

Figure offers unsecured personal loans, home equity lines of credit, and mortgage refinancing.

Highlights:

Apply entirely online
Customer support available 6 days a week
Personal loans available with APRs ranging from 5.99% - 15.00%

The Application Process

Figure’s personal loan application process is entirely online. To get started, just enter basic information about yourself and how much you want to borrow. Figure will run a soft credit check, which doesn’t impact your credit score, and give you a pre-approved loan offer.

If you want to accept your loan offer, you can submit all of your documentation online. The whole application takes around 15 minutes to complete and you can receive funds in your account in as little as 1-2 business days.

There are several requirements to qualify for a loan with Figure. All applicants must have a 680 credit score or higher, and a debt-to-income ratio under 40%. You must also have at least $1,000 in monthly cash flow to qualify for a 3-year term or at least $1,500 in cash flow to qualify for a 5-year term.

Loan Terms

Figure offers personal loans ranging from $5,000 to $50,000. Depending on your credit score, income, and loan size, you’ll be offered a loan term from 36-60 months and an interest rate between 5.99% - 15.00% APR. If you set up automatic loan repayments from your bank account, Figure offers a 0.25% interest rate discount.

Note that Figure also charges a loan origination fee up to 5% depending on the size of your loan and your state regulations.

Privacy & Security

Figure secures your loan application and personal information with 256-bit AES encryption. The company also offers a privacy policy that details how your information is used.

Help & Support

Figure offers customer support by phone, email, and live chat from 6am-6pm Pacific Time, Monday to Saturday.

Phone: 1-(888)-819-6388

Email: loans@figure.com

How Figure Compares


APR	5.99% - 15.00%	5.99% - 18.85% (with AutoPay)
Minimum credit score	Good +	Good +
Loan amount	$5,000-$50,000	$5,000-$100,000
Loan term	36-60 mo.	24-84 mo.
Suitable for	Fully online application	Large personal loans

Figure competes closely with personal loan lenders like SoFi. Both lenders offer a low minimum interest rate and a low minimum loan size. Figure stands out as the only lender that offers an entirely online application.

FAQs

Q. Can I choose my loan term?

A. Figure lets you choose a 36-60 months loan term in most cases and shows the interest rate for each term.

Q. Can I get help applying for a loan with Figure?

A. You can call Figure or use live chat 6 days a week to get help applying for a loan.

Q. Does Figure charge an origination fee?

A. Figure charges an origination fee of up to 5%, depending on the size of your loan and your state.

Q. Can I pay off my loan with Figure early?

A. Yes, you can pay off your Figure loan early with no prepayment penalty.

Summary

Figure offers personal loans with competitive interest rates and flexible term options. The lender allows you to apply for a loan entirely online and puts funds in your account in as little as 1-2 days. If you need help with your loan, Figure’s customer support team is available 6 days a week.

Physical Address

Figure

650 California Street, Suite 2700

San Francisco, CA 94108

Figure View Rates

Figure customer testimonials

Excellent•Reviews 1,159

Excellent

90%

Great

Average

Poor

Bad

Thomas
a day ago
Quck and seamless process
Quck and seamless process. 6days from start to finish - Highly recommend Figure HELOC
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J.W.
a day ago
These folks have this down
These folks have this down! It was such a streamlined, quick, no agony process. And lady I interviewed with was so pleasant! Great operation
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polly james
2 days ago
We recently got a HELOC with Figure
We recently got a HELOC with Figure. The process required a lot less documentation and effort in our part than other loans I have had over the years and moved much faster than other HELOCs are currently moving (about two weeks for us because they couldn’t get our deed online and we live in a county that requires in-person notary). The rate is also higher than others, but is better than credit cards and has no prepayment penalties. They are very quick to respond by chat and reasonably fast by phone if you have questions.
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Jane Cloutier
3 days ago
So fast and simple
So fast and simple
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Carla Hamlett
3 days ago
We are very happy with the process and…
We are very happy with the process and would recommend to anyone out there
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Joey Rahimi
3 days ago
Does not allow you to upload tax…
Does not allow you to upload tax returns, only through login to the IRS, which never works. You guys need to be more flexible and innovative and not reply on other company websites. I'll stick with the traditional way of securing a home renovation loan.
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VSN
Apr 15, 2021
Blew my mind how fast and easy
Blew my mind how fast and easy. Employees are to be commended. Friendly, fast customer service, Like I promise you haven’t had in years. Definitely, highly recommend
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William Lacy
Apr 15, 2021
This process has been ridiculous!
This process has been ridiculous!! If I hadn’t told the other company’s that I was going with you, I wouldn’t have finished this process. I tried to write the CEO from the web site, and just like everything else it didn’t work. Your “team” as they called it, was never on the same page. I was told one thing by one person, then another by a supervisor. I was called back by someone different to tell me what the supervisor said was wrong and that I needed to start the process over. Then called back and told no it will work, only to be called back the next day and told that I needed to start over. After talking to about 6 different people I just started over. Once I started over I made it to the video call, of course it wasn’t done correctly and I had to call back and do it over because whoever did it didn’t do it right. Had to talk to some condescending ass named Lane. I don’t want or expect response to this review! You need my money and I need yours. That’s all this is.
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Fikreta Dzebic
Apr 15, 2021
FIGURE is worse lending I ever deal…
FIGURE is worse lending I ever deal with. They are good since they lock your rate and collect all information. After they check your credit history and make you an inquiry, they're asking again for provision to do again. Theirs customer services are discussing and ridiculous. Since they waste over 30 days of your time, they are asking for $17,000 assets, and if you don't have that, they will cancel your application. They SCAM me, they will scam you for sure. Be careful.
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Isak Csargo
Apr 15, 2021
Undervalued Newer Home, Won't work with you on an accurate appraisal
They appeared to have the best rates around, so I had hoped to use them. I have excellent credit and loan to value was not an issue for the amount I wanted to apply for based on an appraisal that was 3 months old that I had done during a refinancing loan. I was denied because Figure underestimated my home value by 25%. I purchased land and had a house built on it 3 years earlier. I had put a significant amount of money down on the land and to the general contractor, so when I refinanced after the house was built a few years ago, it was not for the full amount of the property and home value. Seems Figure based their estimate on that value. They have no means for a true appraisal and refused to work with me further.
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John Rivera
Apr 14, 2021
Very easy process and very helpful…
Very easy process and very helpful people. Started on a Wednesday and got the funds in my account the following Tuesday. Very fast!
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Dianne Newman
Apr 13, 2021
No trust in this company
A little over a year ago, I took out a home equity loan with Figure lending. The process was pretty easy to get through and I was very satisfied with the experience. When I decided to refinance my principle mortgage and consolidate my debt, Figure seemed like the natural choice. I was refinancing to lower my monthly payment amount so I could prepare for retirement in 10 years. When I initially started the loan process, I had options to pay to reduce the interest rate, but the rate and payment they offered was in the range that I wanted so I opted not to pay to reduce my rate. I started the process and locked in my rate. Once I was locked in, the process became complicated. Instead of a check list letting me know everything I would need to prepare, it was one thing at a time and it seemed like I was dealing with Columbo..."Just one more thing." I suppose for people who have their own scanners and save everything electronically, the process might be easer, but for me it was a nightmare. For every "one more thing" I had to find the information they were looking for, leave my house to use a scanner, send it to my e-mail, then go home to load it in on the Figure website. By the time, we got to the appraisal phase, a lot of time had been wasted on all those back and forth trips. Unfortunately, there was an issue that came up during the appraisal that had to be corrected before the loan could go through. I had the work completed as quickly as I could but due to issues I could not control, it took several weeks. When the work was done, I got a generic e-mail stating I was approved for the loan at almost a full percentage point higher than what I had originally "locked in." The payment was almost $200 more than the original terms and out of the range that I wanted for retirement. I understand that circumstances might have changed during the loan process, but nothing about the rate increase was communicated to me by my loan officer...just a generic e-mail. Also, I was upset that Figure could change the terms but I did not have an option to do so. I could have reduced the loan amount request as I had already paid off almost $7000 in debt while the loan process was going on. I could have opted to pay the points and reduce the interest if I had been given an opportunity, but I was not. When I read the e-mail, I felt like Figure was a company that would make sure their best interests were met, but had no concern for me. I no longer trusted the company and turned the loan down.
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Steve Jones
Apr 12, 2021
Bad Faith during Pandemic
I was an unfortunate victim of COVID. In a matter of weeks, the company I founded and grew 10 years ago was put out of Business. Until conditions improve, I cannot start back up (Nightclubs). I have a home equity loan with Figure. I have loans with several other banks on other properties. I placed all RE related mortgages under temp forbearance. I am not looking for a handout. These loans will all be paid with interest added to the back end of the loan. Recently, new legislation has been introduced requiring Federal Banks to extend Forbearance programs to 18 months for people who are still having hardship. EVERY OTHER LENDER I CONTACTED EXTENDED MY FORBEARANCE EXCEPT FIGURE. I have has several discussions with them and they have flat out said they are a private lender so the rules don't apply to them and their "investors". They have suggested that I not pay the mortgage and after 60 days they will contact me about other options for satisfying the loan. Of course by then my credit will be ruined. And this is a relatively small loan -under $75,000. I always pay my bills and I am not looking for any special help. Other lenders have gladly extended repayment terms due to the ongoing pandemic and I am only asking for an additional 3-6months Tops! Why they they wish to ruin my credit before talking with me seems arbitrary and somewhat mean-spirited. I am disappointed in what has happened in my industry but even more disappointed in this leanders attitude towards working with their clients
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Robert Hanson
Apr 09, 2021
This was the easiest experience I have…
This was the easiest experience I have ever had going through the loan process.
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Ramy Hanna
Apr 09, 2021
I truly enjoyed their service.
I truly enjoyed their service.
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Jessica Alter
Apr 12, 2021
Insufficient collateral
My application was declined b/c of insufficient collateral. My collateral was my home, valued at $580K, completely paid off. I just could not believe this. Now Figure has all my information (including my SSN) and I feel I've been duped. Then I went to Rocket Mortgage and got a loan right away. Thank goodness there are alternatives. UPDATE: They are asking me now for more personal information and are also asking to speak with me. I'm intimidated by how much information I shared with them and that went into the ether--particularly given that they're an ultra-aggressive startup with super shady pratices. Please stay away from them--go with more credible and established players. Who knows what will happen to this sketch startup.
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NorCalGal
Apr 06, 2021
Easy Peasy!
We just put in a pool and spa. We needed some re-landscaping which we had budgeted for. However, our bid came in $20,000 over our cushion so we decided to try Figure and take out a HELOC. We were approved immediately and it was about 6 days (including the weekend) total until funds were deposited into our account. Every step was easy peasy. Even the signing - 3 signature pages total. Awesome rates as well! I have been a Realtor for 20 years so obviously have a stable of financial professionals. Nothing compares to this. I am really impressed and don’t have a single complaint. Will definitely revisit if there is a need in the future. Thank you Figure for making this such a positive, easy experience.
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Santiago Bolivar
Apr 06, 2021
Been dealing with bank for three weeks
Been dealing with bank for three weeks. Tried this out, got it done in 3 hours. Took about 4 days to get funded. I’m cancelling the bank process. Awesome service
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Jen
Apr 06, 2021
Figure is the most streamlined home process
Figure is the most streamlined home equity loan process we have ever experienced. It was all on-line, yet it also felt very secure and reliable. Everything is explained in language that is clear and easy to understand. The verification process took less than a day and we knew we were funded the next day. From beginning to end they were responsive to our inquiries without delay, the process was professional, efficient, and stress-free!
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Tiffany
Apr 05, 2021
The process for a HELOC through Figure…
The process for a HELOC through Figure was incredibly easy and so fast! Whenever I had a question I was able to reach a friendly, helpful representative who gave me the information I needed. Would highly recommend!
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Lance
Apr 02, 2021
Figure was awesome
Figure was awesome. Within a day or 2 I was approved and even did the final notary online on a saturday evening! They work weekends til 8pm central time, which is unheard of. My money was funded within 5 days. Good work.
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Ann Little
Apr 02, 2021
The process for obtaining a home equity loan
The process for obtaining a home equity loan was very easy and fast. Highly knowledgeable and pleasant staff.
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Cathy Copas
Apr 02, 2021
They were excellent and very patient…
They were excellent and very patient with me
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Larry Aust
Apr 02, 2021
I can’t believe how easy the process…
I can’t believe how easy the process was. Customer service and the e-notary were excellent. Thank you
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Satpal Parmar
Apr 02, 2021
Great company
Great company, easy to work with. Fast funding. Very simple application. Staff very helpful. Very good experience. Love it, try this company first, the best
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J. L. Nantais
Apr 01, 2021
First Time Home Equity Loan Applicant
This is my first time doing a Home Equity Loan and I will firstly say that from my first gaze on the FIGURE website, it was clear to me that this company knew what they were doing. It is in simple language for the consume like me that knows nothing about loans to understand. Even the chat box , I had professional and friendly team members explain the process and what was needed for applying. When it got to the notary part of the process, Tim was so helpful and made sure my Notary person was in their system for date and time of in person signing, and within 10 days I got my loan .I would highly recommend FIGURE to anyone that is in need of FIGURE's services. Truly James
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keiko Kondo
Mar 31, 2021
Very professional and efficient work
Very professional and efficient work. I had a pleasant experience with Figure.
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Lilia P
Mar 31, 2021
You’re truly unbelievable
You’re truly unbelievable. Since I started applying for loans I’ve never had experience like this. The application was simple, super fast as well as funding. First I was hesitant to apply for home equity loan from this company because I was not really sure if they can really do my loan so fast as advertised. I got funded in just like a week after my application was completed. It took only few minutes to complete my application. Thanks again to all their staff for being professional. So far I consider “Figure “ to be the best financing institution. It’s so modern.
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Sabrina
Mar 30, 2021
Amazing how easy and fast
Amazing how easy and fast. Every step was user friendly and simple.
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Mary Ann Hazel
Mar 27, 2021
The best process I've ever had in…
The best process I've ever had in obtaining a loan!
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Christopher Smith
Mar 26, 2021
Excellent Service
Quick, straightforward, good heloc rates, all online
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Fred Wein
Mar 26, 2021
I've been wanting to comment on FIGURE
I've been wanting to comment on FIGURE, because I so appreciate the courteous people with whom in this process I have spoken. Everyone has been supportive and the process was extremely easy to follow and complete. When I started with your company, I came across some negative reviews, but I decided I would see what your company was like, anyway, and I can tell you I have no idea why anyone would ever write a negative review - based on the experience I've had with your company. We had a death in our family and were not able to complete our application process. Your company graciously gave me more time to complete the application when I had run out of time to do so. FIGURE people, thank you so much for helping us with this loan. I cannot be more complimentary of your excellent company. Thank you...God bless...
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DM
Mar 23, 2021
Simple fast service
Simple, courteous and fast service. Best I have ever dealt with and I work at one of the top mortgage banks. Banks can’t compete with Figure.
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Fred Graessle
Mar 20, 2021
Improve your life
Figure played an important role in improving my financial picture by allowing me to swap high interest debt with low interest debt. In a matter of just a few hours, my debt payments dropped by $4K per month. Figure made this so easy and I really appreciate their people and their process.
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Scott
Mar 19, 2021
Simple
Simple, and quick I am impressed at how easy the process was Figure is a game changer
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Sandra
Mar 18, 2021
Simple/Easy Process
I have to say the customer service team is over the top Stellar!! Before I applied for a loan I called to ask questions. I wish I knew the young ladies name, because she took the time to explain exactly how the process works and gave me a little history on the company. To get a loan within 5 days just did Not seem realistic, however it is. Everyone I spoke with was super friendly and knowledgeable. There is one young lady in particular Sadie. Who was so patient, courteous and kind. I am not good with computers and she took the time to help me set up my camera and microphone on my computer, so I could do the e-notary. I am so shocked she did not get irritated with me as I was clueless and she walked me through it and maintained a calm demeanor. I got it done and then did my last step. I waited my 3 day period in case I wanted to change my mind. Next day my loan was deposited into my account. I do believe banks could take a lesson from Figure on how to get the job done.
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Michael Woods
Mar 18, 2021
Perfect from beginning to finish made…
Perfect from beginning to finish made each step easy and always had timely answers on everything Thank you you were a pleasure to work with Thanks Michael Woods
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Daniel
Mar 18, 2021
Rip Off
I still can't imagine how this company is operating as a serious financial institution in the US. 8 months ago I got a loan of $100K, received only $96K (minus fees etc). My monthly payment was about $760 or $6,000 in 8 months. Today I paid off the loan. Guess how much?? $99,300. Hence, I received $96K and paid back $105K after 8 months... looks like rip off in my opinion
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Fikreta Dzebic
Mar 17, 2021
FIGURE lock my rate
FIGURE lock my rate, everything was okay before they get all info. After that they just start to changing the numbers. In my opinion this is worse financing company. Who need inquiries on their credit report, just go with FIGURE, they will do everything to destroy you. I can show a proof what they do to me.
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Thomas Kilcullen
Mar 17, 2021
Absolutely THE Best lending…
Absolutely THE Best lending institution, in my opinion. The process was quick and easy and every customer service rep that I spoke with was helpful and accommodating.
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Charles Hudson
Mar 17, 2021
Great customer service
Great customer service. Had a bit of trouble with internet service on notary but they were great. Over all things went smooth.
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M Nelson
Mar 17, 2021
Very satisfied. Quick, Easy, Painless.
This was the easiest process of any loan I have ever applied for. It was an hour and a half from the beginning to being approved. Even the notary was online. Money is already in my account just a few days later. VERY SATISFIED and recommend them highly. Life changing for me. I am thrilled. My house is now working for me! Got rid of high interest credit cards and will be able to stay out of debt.
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JQ
Mar 16, 2021
very easy fast process
very easy fast process
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Wayne Bryant
Mar 14, 2021
Easy pleasant experience
Easy pleasant experience. Great rates and customer service!!
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Larry Goodwin
Mar 13, 2021
Great HELOC Experience !!
If you are looking for a home equity line of credit I would highly recommend Figure Lending. The application process was fast and simple. Everything was completed on line. I uploaded a few documents and with the help of Figures customer service staff I was approved and funded very quickly.It was an absolute pleasure working with every one. It was truly the easiest loan process I have ever gone through. Thank you Figure Lending and all the wonderful people working for you. LG
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Brina Abitz
Mar 12, 2021
This was a great process
This was a great process! The online application process was very easy and fast. The communication through email throughout was great. After we completed the eNotary session, we got our money deposited into our account just four days later!
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Rajendra Johar
Mar 12, 2021
Excellent customer service
Excellent customer service. Very positive attitude of representatives.
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Klaus Brandl
Mar 12, 2021
The customer service provided is AAA+
The customer service provided by your associates was top notch. I was pleasantly surprised and much appreciated their patience as they walked me thru some issues I had on my computer. All in all the process was not as cumbersome as mtge and heloc applications that I have experienced years ago.
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Steven Wilson
Mar 16, 2021
Is this a joke? Are these reviews even real?
I literally only tried Figure due to all the great reviews/ ratings here. Well, within 45 seconds of using their website, and “after careful consideration” (those exact words), my application was declined due to “insufficient collateral” because, according to their phone agent, “the system couldn’t find the address” of my home. Therefore, a mortgage-free entirely paid-off $340K condo is “insufficient collateral.” And there is absolutely no way around this system; there is no way to manually apply with ample available documentation that the home does indeed exist. So now Figure has my name, SS#, address, phone number, and date of birth, and they did exactly ZERO for me except waste my time and energy reading all these blatantly (fake?) BS reviews in the first place. This is a scam. BEWARE. **Edited to respond to company’s reply: I did call Figure, as my review states. So now you want me to call back to give you more confidential information, in order to receive the same “details” about how this so-called “revolutionary” automated system cannot be manually bypassed? From your reply, I gather situations like mine happen often enough to “cause frustration,” so why are you collecting so much sensitive information in the first place when all you need initially is an address? Particularly since the automated system is so blatantly faulty, if not downright fraudulent/ predatory. I have since searched the history of Figure and have found enough information to warrant plenty of concern about Figure harvesting such data, and my warning stands.
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John Campbell
Mar 11, 2021
Fast and efficient
Fast and efficient! Which is what everyone wants when getting a loan or line of credit.
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Alva Thompson
Mar 11, 2021
Excellent customer service and…
Excellent customer service and execution. The only minor difficulty was connecting my wife as a separate co-signer.
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Thomas Bonner
Mar 10, 2021
Great service so far
Great service so far. We haven't gotten the deposit yet but so far so good. Very simple process.
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Steve Guerber
Mar 09, 2021
Was skeptical about the speed and ease…
Was skeptical about the speed and ease of obtaining a HELOC but Figure was both fast and easy. Everything was done on line with minimum requirements for verification or additional information from me. Very impressive lending process.
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Donald T.
Mar 09, 2021
Figure was there for me when I needed…
Figure was there for me when I needed them. The process was simple, easy, and fast. The rates were reasonable and competitive and the communication was excellent. I would recommend this organization to any and everyone. Thanks Figure!
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Chad Stamps
Mar 09, 2021
Excellent experience.
Everyone I dealt with was efficient, professional, and pleasant. The entire process was much faster and easier than I expected.
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Jazzy Stavrou
Mar 08, 2021
I'm very impressed with how easy and…
I'm very impressed with how easy and convenient the process is and the amazing customer service at each touch point. I'm one happy customer!
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mike
Mar 08, 2021
three notary appointments later
I had a notary come to my house on 2-14-21. After I signed my paper a week later, I was notified that my notary didn't send everything that I needed for my loan. I received a email from figure saying that they booked another notary appointment but I didn't need it, and it was to extend the date on my loan paperwork. The next week, I was notified that I would need another notary appointment. After my third notary appointment my loan was finally processed. I ended up missing my deadline with the contractor I hired to perform the home improvements on my property, because I had no funds. The contractor was booked up for the rest of the month and I'm still awaiting a contractor. I was told after speaking with a figure representative, that they would send me a amazon gift card for my experience with their company. I plan on using Figure again in the future. I just didn't understand why my loan took so long.
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Sandy
Mar 08, 2021
This was the fastest and easiest…
This was the fastest and easiest process that I have ever done. The process was very simple to follow and the customer service is excellent.
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N.Audi
Mar 07, 2021
The process was very easy and seamless
The process was very easy and seamless
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Ted A
Mar 06, 2021
Rate advertised isn’t what is applied
Rate advertised isn’t what is applied. I was not able to withdraw entire amount. Closing account.
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DukeSD
Mar 05, 2021
Use Figure if you need to tap your home equity.
Figure provide a hassle-free way to tap into your home equity. The process was quick and painless and funding happened in 6 calendar days. Good explanation of what you're getting into the whole way and excellent options on how you want to repay your loan and competitive rates.
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James Murphy
Mar 05, 2021
One of the easiest loan processes I…
One of the easiest loan processes I have ever done. Every one all the way down to doing the signing with Travis went exceptional. I would and will refer Figure over all my social media platforms as well as word of mouth.. Appreciate the help with getting my loan completed in such a professional manner.
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Robert Clark
Mar 04, 2021
Process was super easy and fast
Process was super easy and fast. Got the mailing and came in handy to fix up my home. People were great and very helpful.
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Donna Simmonds
Mar 03, 2021
The Second time around
This is the second time we are using Figure to complete some home projects. The first time we applied the process was supposed easy and quick, outstanding customer service, we thought maybe it was just a one time experience. We paid the loan off early with no prepayment penalties. We decided to take a smaller one this time thinking ok this time will be somewhat harder due to rates so low and Covid. Again the process was quick and easy and customer service again was outstanding. I can't say enough good things about this company and will recommend Figure to all our friends and family!
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Michael Roberts
Mar 03, 2021
From Start to finish The process has…
From Start to finish The process has been very straight forward. I was able to easily read and understand their terms. If i had a question it was not hard to locate the answer to it. I would recommend to others whom are looking for a heloc. I also love the fact if i was unable to find an answer to my question. They have a toll free number i can call to get any answers i need.
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Jodi Murphy
Mar 03, 2021
We have had a wonderful experience with…
We have had a wonderful experience with Figure! Everyone has been extremely helpful and the process of applying to receiving funding was less than a week. Would definitely recommend to anyone looking for heloc options!
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customer
Mar 02, 2021
Lending for the Future
Fast, efficient and secure service.
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Analani
Mar 02, 2021
Quick
Quick, Convenient & Secure! Thank You!
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C Brown
Mar 02, 2021
Quick easy and painless HELOC LOAN
Quick easy and painless HELOC LOAN! I applied and filled out application and had the funds deposited within one week. Simple and straight forward!
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Stephen Evermore
Mar 01, 2021
Deceptive and borderline predatory
It's difficult to see Figure as anything more than a bait and switch operation. The competitive "personalized" and "reserved" rates that were marketed to me were complete fabrications that in no way aligned with the rates that were offered once I reached the site. This place seems like a class-action suit waiting to happen. UPDATE based on their reply: Their response is nonsense. I have excellent credit and their offers were simply far worse than what the rest of the market offered - the switched rates weren't a reflection of any financial data other than their desired profit margin. Just about every major bank or financial institution will offer you better rates. If you go with Figure, you'll be paying a premium for the up-front ease of use of their website -- it will definitely cost you above reasonable market rates in the long-run.
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Colleen Ferrar
Mar 01, 2021
A super great staff !
The idea of a heloc was my husbands, and I must say I wasn't too sure especially since it was all done on the internet. After meeting some of the Figure staff, I had no more worries. It amazes me how you got so many great people....each one is so very good at their job and makes the process quite pleasant. We will definitely recommend Figure to family and friends!
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EMILY
Feb 27, 2021
Incredible Customer Service
I just got off the phone with Kayle and we are now ready to move forward confidently with our HELOC through Figure. Kayle is so friendly and knowledgable. All of my questions are answered and the customer service and ease of the process thus far is unmatched. I'm looking for something wrong with Figure and simply can't find it... THANK YOU KAYLE, WE APPRECIATE YOU AND YOU DESERVE A RAISE :)
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Russell Parent
Feb 27, 2021
The application process was flawless.
The application process was flawless.
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Grateful Customer
Feb 27, 2021
Superb
It was, almost, hassle-free... It probably would have been if I was more tech-savvy ;) Plus the customer service was superb, always right there to help out and assist if needed!
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Thomas Dodge
Feb 27, 2021
Figure Financial has so far proven…Excellent
Figure Financial has so far proven credible and professional. Waits on the phone have been minimal. The help has been efficient. In my whole process of receiving a HELOC the only minor glitch was a mobile notary public cancelling out at the last minute due to “weather.”
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TMR
Feb 26, 2021
The process was amazingly simple
The process was amazingly simple! They have truly revolutionized the loan process. I was pre-approved so the process was quick. I would highly recommend them!
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Andrew Hrinda
Feb 26, 2021
I recently took a loan through Figure
I recently took a loan through Figure. They were enormously helpful throughout the process. Being a senior citizen businesman I appreciated their making my time count. I plan on using them again if possible to fund my future business needs
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Mark Fecher
Feb 26, 2021
Great people to deal with
Every thing went as expected and got done in a reasonable amount of time. Everyone was very helpful, Would use again. Thanks again for all your help.
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NATURAL LAW
Feb 25, 2021
I had a HELOC with this company and…
I had a HELOC with this company and after the loan was paid in full they did not close the account. Apparently there was a fee that needed to be paid to the county to close the account, however they never informed me. Totally unacceptable.
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Bryan Saldarini
Feb 25, 2021
The process couldn't be any simpler
The process couldn't be any simpler. I have use them twice over the past few months and it has been a great experience! Highly recommend!!!!
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Robert Henry
Feb 24, 2021
Wow! So easy
Every step of the process was so easy, so very quick. When i had an issue which was on my end they called and spent the time to right my mistake. So professional so friendly. I have already recommended your services to others and plan on using the student loan service when it resumes. Thanks again
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Jflores
Feb 23, 2021
WOW-Highly recommended
This process was seem less! From start to finish, it was one of the easiest applications I have ever done. Coming from the mortgage industry, I was impressed with the online application and ease of completing. My application took maybe a week to complete including funding! Wow! There was great follow-up and any time I called in with questions, each individual was very courteous and knowledgeable. I highly recommend Figure for your HELOC needs!
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Lisa McNew
Feb 23, 2021
Highly recommend
My husband and I are very pleased with our experience with Figure. The process from beginning to end was seamless. Within a week of filling out the application we received our money directly deposited in our account. We did contact them several times within that time frame with questions we had. Everyone we talked to were extremely helpful and nice and went out of their way to answer all of our questions. We are still a little in awe how fast it all came together. We highly recommend Figure!
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LISA
Feb 23, 2021
Top Notch service from start to finish!
Not only was the online process the easiest, most streamline and professional experience I’ve ever had with a lending institution, and not only was each representative extremely professional and genuinely kind, but I received my funds electronically within 5 days and at a low 3% fixed rate! I have already begun sharing my experience with family and friends and will continue telling everyone I know to run, not walk to Figure if looking to refinance, take out a HELOC or personal loan. I only wish I knew about Figure when recently refinancing my mortgage. However, you can guarantee that when I’m ready to refinance again, I will absolutely do so through Figure! And... if they had options for full banking such as opening a checking account, I would do that through them as well! All I can say is, thank you Figure for an incredibly positive experience in allowing me a fresh start by taking control of my finances!
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Julie Young
Feb 18, 2021
Choosing a HELOC was a much better…
Choosing a HELOC was a much better option for me at this time than a cash-out refinance. Everything was done virtually and the support team at Figure was available by phone or email when I needed them. Everyone was knowledgeable, courteous, and friendly. The time from submitting my application to receipt of funds was under 3 weeks and likely would have been sooner if I had taken longer on a couple of things they needed.
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Mary Horn
Feb 17, 2021
Truly great, would be five stars, except.....
Website very easy to navigate. Personnel extremely professional, excellent response times, always followed up to make sure we were still engaged and taking care of our end of the process. Would be five stars, except for difficult verification process, and the time from application to funding took much longer than represented in the marketing materials. Overall, truly great, free of stress and anxiety, better than any banking transaction we have previously experienced.
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William Tellez
Feb 17, 2021
Andrew
Andrew, was a true professional He was very patient and explain thing very clear. Thank you very much Andrew for you help with the (income verification part of my application)
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bob
Feb 16, 2021
you saved our house
you saved our house. our home insurance was threatening to cancel our insurance if we didn't paint the house. with your generous offer we were able to complete our painting and save our insurance. Thanks a million, well 20 thousand but a million to us.
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Marty Sarner
Mar 02, 2021
I agree that the process they perform…
I agree that the process they perform is very good. I was put into a very bad financial position. it was basically my fault. I didnt pay attention to everything that was listed for the terms. Please read everything before you sign. They are good people to deal with. I just wish they could of help us. Because of the way things were worded, I thought I had a good deal. For me disaster. Even my lawyer could not help . I need the help i have asked for. Meaning that the monthly payment as indicated not doubled. I am 78 years old and need the payment and rate reduced. No one at Figure has offered any help at all. Once you deal is done, thats it. NO HELP. The response from Figure was not true. They have never tried to help.
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EPL
Feb 15, 2021
Figure is a top-notch company.
Definitely a top-notch company. Figure knows its business, they make securing financing a clean and clear process from start to finish.
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Natalie Middleton
Feb 13, 2021
To whom it may concern
Thanks for your help. Everything was done so well. The agent who handled my loan was so efficient, knowledgeable and pleasant. I would reccomend Figure to anyone in need of an equity loan. Natalie Middleton
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Raoul Buron
Feb 11, 2021
The entire process was extremely…
The entire process was extremely organized and well done. We completed the application and were approved for our Home Equity Loan within hours. Customer Service was excellent. Every time I called to ask a question I spoke to a knowledgeable person who helped me to resolve any and all issues or answer any questions immediately. Couldn't say enough good things about how quickly and smoothly the process went, even during COVID!!
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Evonne Wearing
Feb 11, 2021
Very helpful and friendly
Very helpful and friendly
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Jodi Murphy
Feb 10, 2021
Best experience EVER!
My experience with Figure has been AMAZING! We’ve had many mortgages over the years and this by far has been the easiest process (we are getting a HELOC loan). I would encourage those who are on the fence to apply, you will not regret your decision! If all goes as scheduled, we will have applied, received approval and funding in less than a week. All the associates I’ve spoken with have been very helpful and kind. Without a shadow of a doubt, I’d recommend Figure to anyone I know!
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Deborah F
Feb 10, 2021
So far everything about this process…
So far everything about this process has been exceptionally easy with the help of three of the associates. I had expressed my problems with another mortgage company that had left me wary. If all goes as expected, I will be pleasantly surprised I will definitely attest to the professionalism and kindness expressed to me
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Deborah
Feb 09, 2021
Just finance my entire mortgage!
Really simple process and after having my account for over a year, with the sale of my loan a couple times, the entire process has been seamless and I've not had one issue. My only wish is that they would refinance my main mortgage and HELOC so I could eliminate the traditional bank altogether.
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Juliann Pavlovcic
Feb 07, 2021
Figure’s HELOC loan process was flawless!
Figure’s HELOC loan process was seamless and flawless throughout. I am so pleased with every aspect of working with the company!
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Lisa McNamee
Feb 05, 2021
Without question, this was THE BEST!
Without question, this was THE BEST customer service experience I have encountered in a very long time! The loan process was quick and simple, and the Customer Service Representatives were cheerful, friendly and extremely knowledgeable. Thank you for being an industry leader!
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Agnes Stokes
Feb 03, 2021
All is good
All is good! Easy to navigate on the account and customer service is excellent.
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Patrick Holden
Feb 03, 2021
Easy
Easy, fast and everyone I spoke with was very positive, knowledgeable and helpful.
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