Figure Review

Wow that was easy! Easy to understand, easy to apply, easy to qualify, just easy to do business. Amazing! Funded my loan. Time to upgrade my fleet vehicle. Thank you!!! Look forward to doing business with you guys.

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The entire process passed very effectively and you provided me with all the necessary information and tools to obtain this loan.

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The loan process was simple and quick. Thank you Figure !

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Easy to apply, great team, fast approval

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I have been in the mortgage industry for 35 years and this was the easiest, quickest transaction I have ever experienced and it was so easy, painless and the people very friendly! If I could give more than 5 stars I would!

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Omg I love Figure they are fast and customer friendly , omg I applied on a Monday , approved on a Tuesday and funds initiated on Wednesday, all thumbs up I would surely recommend them to anybody. I’m

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Quick, fair and easy. Love the service and love the speed of the service that they give to the customer. Would definitely recommend to anyone in need of a loan. I’m definitely satisfied!

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Definitely an A+ experience, myself and my wife were feeling overwhelmed with credit card debt and needed to consolidate with a heloc loan on our 2nd property and figure stepped up and made it happen with ease and very pleasurable experience! Great job team!

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I researched a lot of HELOC companies and after discussing the options and about 2 months of research... we went with Figure. We even discussed them with our favorite mortgage lender who said ... "this deal sounds great. You should grab it!" The process was easy! Very fast and everyone has been fantastic so far.

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The process was easy, the agent I spoke with professional and accommodating. Excellent experience.

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The application process was pretty cool tech wise, easy, seamless. The way they can connect to your other financial institutions was really cool too. I got called the following day to finalize a pending issue with my ID, Brian was very professional and helpful, he was able to send me right to the funding process. Awesome. OH and the interest rate was fantastic! I highly recommend using and doing business with FIGURE.

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I cannot say enough about how easy the loan process was to complete as well as the professional and friendly customer service I received. I received amazing support with issues I was having inputting information into the website. I would recommend Figure to anyone looking for a loan.

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Great customer service easy to apply for.

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We chose Figure for our HELOC since the entire process was 100% online. This was the easiest and smoothest transaction we have ever done. Bank verification, income verification etc was also streamlined. The entire application process was less than 15 minutes. We were approved for our loan in less than 18 hours from the time we applied (that includes the time we spend on the notary process). Funding took place after a mandatory 3 day cooling off period. This process is amazing. We contacted the online chat team a couple of times with questions, which were answered in minutes. Highly recommend!!!!

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Everyone and everything went extremely smoothly Very professional

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Thank you for getting us through the process for a HELOC. So thankful for your assistance. Your chat feature is helpful in finding out where we were in the process. Thanks again!

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I am an existing Figure customer and I'm shocked at how poorly I'm being treated trying to respond to one of their many offers to re-finance with special emphasis on Figure "helping small business" but honestly this company does not like self employed people! In the past I was denied even the oppertunity to apply for the SOLE REASON that I was self employed! Then once again for having "more than two loans" on my property! One of the liens was Figure, so go Figure! Anyway logging onto the website is a PITA, always having to wait a long time for an email confirmation that never comes promptly. What makes matters worse is the site is always hanging up in some part of the application process requiring you to contact Figure directly! I am a current customer of Figure with a HELOC, I have NEVER missed a payment or been late. I had the same issues as mentioned above when trying to apply for my HELOC as I am having with my re-finance right now, but it just feels like they make this big deal out of helping the Self Employed Small Business Owners re-finance but honestly it does not feel that way. I have almost 700 credit score, have 13+ years of flawless payment history and detailed tax records of my income, so really it shouldnt have to be this hard to get credit from a company that claims they specialize in financing small business owners. I guess you could say I'm a little disappointed.

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The easiest, most modern way of lending I have ever experienced!! Figure is definitely THE future of lending, especially in this new virtual age. On top of that, the rates I got were really good. Highly recommended!!!

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This is BY FAR, the easiest HELOC loan we have ever applied for and received. It took less than 10 days when all others took over a month to process. It would have been less than ten days if MY OWN CREDIT UNION hadn’t been so stubborn about releasing our account status (not Figure’s fault). Great doing business with you folks at Figure Lending.

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Super awesome

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Fast, painless and professional. Totally impressed.

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Figure was a quick and easy process, very professional associates! We went with another company but definitely will keep Figure at the top for next time.

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This is was the most streamlined loan process I have ever utilized. From the start of my HELOC application to the funds being dispersed was extremely quick and blows the other lenders out of the water. Great job Figure!! You have a repeat customer.

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This was the best experience in getting a loan ever. Figure has literally helped me change my finacial future for the better. Wont be going to any other lender! Thank you so much Figure!!

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Easy fast and reliable

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It would really be good if they built bank confirmation into the initial screening process. I only found out by reading negative reviews that this was sometimes a problem after people authorized a hard credit pull, only to find out that their system would not work with their bank. Good thing I checked first because they told me that my credit union was not one of their partners. Be sure to confirm before applying if you are with a credit union or small bank. The up front experience with their website is awesome, but doesn't do any good if they can't work with your bank.

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All services as promised and easily within time frame. Excellent job.

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Easy fast friendly ....you cant go wrong

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I tried to get a loan for months. The representative that worked with me was awesome. I don't own a computer or iPhone This man was patient and explained everything twice if needed. In the end, i got so much more than I first asked for. Thank you so much.

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Simply the easiest loan I have ever completed. Their process is straight forward. The few times I had a question and had to call them, their customer service was and has been outstanding. If you need a home equity loan I highly recommend and I would imagine their other loans are just as easy and good. I literally did most of the process through my phone. So my wife and I would like to say thank you Figure.com...

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How much is your time worth? It might be possible to save some APR at your banking institution, but I guarantee that the process isn't as quick and simple as Figure. I run a business, my wife is a full time educator and we're taking care of kids and parents. I literally pulled over 50K of equity out of my home and, without exaggeration, spent maybe 10 minutes in the whole process - including downloading and reading all disclosures. So for us, Figure was priceless.

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Easy application process and employment/income verification. Quick approval and funding. Decent rates. I highly recommend!

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Hands down the absolute best customer service I’ve ever received! Figure made our home equity loan simple and seamless. 10/10 recommend!

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Watch out for the bait and switch. I paid 3 points for a low rate. All negotiations were through email. The process only took a few days. I ended up with a higher rate and didn't notice it until I got my first bill. The reply to my review from Figure is a lie.

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You guys are great! You change my prospective from getting a personal loan so hard and complicated to so easy and fast process in closing. I got my funds less than a day.

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Both our mortgage (jumbo loan) and HELOC are with figure, and the experience with both has been nothing but spectacular. I dont know how they do it, but the process is so fast, easy and efficient compared to other lenders . Our HELOC approval happened within a day, and within a few days of that the notary came home to sign a few documents and in the next few days, the approved amount was in our bank account. Similar experience with mortgage refinance as well. Figure's rate was atleast 0.5% less than than the next lowest and the process was blazing fast as well. During both loan processes, if we have to call their customer care, they have been very professional and responsive. So it has the right mix of fast automated processes, and good human touch. Highly highly recommended !

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In the past, I had so many issues with credit unions trying to refinance my rental property. With Figure, I completed an online application and a couple of days later my checking account was funded. It went so smooth I could note hardly believe it. I truly recommend this company to take care of your loan needs. All of the customer reps are knowledgeable and kind. Including the notary. Thank you Figure for helping me meet my Financial needs. Michigan

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Fast, easy and seamless experience

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Very direct and clear and easy to use

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I really like the way Figure keeps me posted !

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So far so good! Very simple and doesn’t hurt your credit score 🙌🏻

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Courteous and professional

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This was a very simple process, they have been easy to reach when I had questions, and the people I’ve talked to have been knowledgeable and courteous

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This process was simple and very streamlined. I would recommend Figure over and over again.

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I am very impress with Figure. They really know how to take care of there customers. My application process was so stress-free and the time it took me to received my funds was excellent (unbelievable how fast). I would recommend Figure to any one who looking for a loan and want it hassle free. Great job Figure.

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Incredibly impressed!! This company has forever changed my expectations of excellent customer service standards from mortgage companies. Figure has truly raised the bar!! It took just seven days from the time I started the application to the time the money was in my account. I have never had such an easy, fast, affordable, and flexible way to meet my financial needs. I will be recommending this company to anyone and everyone!!

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Every person I dealt with was professional, competent, and invitingly engaging. The " Welcome to Figure" theme prevailed throughout my experience. In particular I can name my initial contact Taylor, then Lindsay, then Rain, then Elise, then Marla, and then Ian. Also, I was amazed at the webcam notary process with Mike, being the first time I experienced it. As a constructive measure I would suggest to you check signing powers that be, that they all get raises. You enjoy a great professional team that you don't want to risk losing any part of!. My pleasure, thank you!

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Recently, I plan to utilize a HELOC for some home improvement projects. I first went to a local credit union, and they told me that the timeline would be around two months. Then I found out about Figure online, which claimed that the funding can arrive in as little as 5 days! As skeptical as I was, I decided to give it a try. The application process is super easy, I did it on my phone in the public parking lot of that credit union :-) Everything is electronic and super smooth, and indeed, that funding arrived 5 days after I finished the application. It is also really fast to connect to a real person to help during the process. Would highly recommend them.

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From the time I started my loan until we finished, everything went just like you said it would. You've kept me informed about everything after my loan finalized. You are the only ones that showed everything before you checked my credit. I chose the amount, and time and you did the rest.

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The process was stress free, with the help of the Figure team I felt confident with the transaction.

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I was able to do all the paperwork online. They were amazingly helpful and great overall to deal with. It has been two years and I still would recommend them to everyone

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Super easy application. Money was in my account within 2 days!!

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It's All TRUE! Fast, Convenient, Professional experience and Service. Thanks Glenn

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Great to work with, fast and easy. Would definitely recommend.

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Figure was very easy to work with. The money was in my account very quickly. I would recommend Figure loans to anyone. Great experience and I would use Figure again in the future.

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The process was easy and the support staff was excellent. When I had to call because I made a mistake they were very helpful and knowledgeable. The easiest loan process I have ever encountered.

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I've been dealing with banks and credit Unions trying to get questions answered and they keep giving me the runaround I then found figure and talked to customer service and every single question I had was answered it's a very quick process their customer service department and their chat lines bar none are top notch. I would highly recommend this company.

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Residence Permanent

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The process was quick and easy.

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Extremely professional, no hassle loan. My advisor took the time to walk me through the process on a Sunday night. The money I requested for my HELOC was ready to fund on Thursday. Being a previous loan officer myself, this company made it seamless. Moreover, the interest rate I received was excellent. I would highly recommend Figure to my family and friends. Tony La.

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So.. the whole process was the fasted loan possible. With technology(linking bank account etc.) I was immediately approved. It took one business day for funds to appear in my account. I highly recommend!

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I’ve been trying with other lenders and they always denying my application saying I have too much inquiries which is because of my current refinancing. I’ve never been late on payments from my other obligations and my score is 700+. But Figure was a life saver, I’ve spent most of my savings on refinancing and I need some funds for emergency and within 2 days, Figure approved me for $10K without any hassle, and I got the funds next day. And their rates is really low compared to other company and their upfront fees is much cheaper compared to others! Thank you so much!

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True to their word, no hidden fees and conditions, etc., straight forward, transparent, and seamless as long as you provide the proof and supporting documentation as requested for your application. Highly recommended.

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You guys were great in the process of granting the loan. You guys moved in a timely fashion. I will recommend what you guys have to offer to anyone. Thank you!

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This was the easiest, quickest and most efficient loan I have ever done!! :-) Thank you so much!!!

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They are a good company to work with and make everything simple and transparent. Recommend them to anyone hassle free.

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Very easy process and very fast ! Thanks for helping us with our debt consolidation and the extra money to help with our wedding!

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I’m very pleased with the ease of completing my HELOC with FIGURE! I’m not sure why all mortgage processes aren’t this easy. I was approved and had funds in my account all within the same week! Unbelievable!

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We have been in real estate for over 15 years & are absolutely amazed at how fast and easy the process was with Figure. It was so fast that it felt too good to be true. The only issue we had was our state required a mobile notary, but that was a breeze too. Funded in 10 calendar days!!! Competitive rates!! Amazing!!

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Best experience ever in the process of my aplicación excelente customer service 👌

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I was previously a mortgage loan officer for about 6 years, a while back in my career. The experience here took the cake. It was the easiest thing I've almost ever done in my life. True professionals if I had to call in just to confirm my next steps. This is the way to go make no doubt.

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It has been a great experience working with Figure on home equity loan. They made the whole process very easy.

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This was the best loan experience I have ever done! So simple and fast. The representatives at figure are so helpful and nice! If I ever need a loan in the future they will be it!

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Easiest loan I've done. I thought it was a scam at first since i never heard of them. Took about a week start to funded. Couldn't find a rate any where near this good either!

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The user interface is clean and fast - perhaps enticing users like me to click through too quickly. I never saw a disclosure that I was going to get a hard inquiry on my credit report. If this disclosure was present during the quote process, it needs to be displayed with much greater emphasis. This is especially true because you don't get to know all of the loan offer details until the end, after the hard pull has already occurred. That was a real shame. Further to that point, I wanted to adjust my requested loan amount after learning about the add-on to my payment for insurance and tax escrowing. Look, at the beginning of the loan quote process (the "Payment estimator stage") PLEASE include the insurance and tax escrow estimate in the payment!!! I didn't know about the escrow add-on until the end! When I learned how much higher my payment would be, I asked my originator to let me adjust the loan request downward to compensate for this factor. He told me I HAD TO PAY TO RATELOCK before he could make any adjustments to the requested loan amount! Otherwise, I'd have to start all over and incur ANOTHER HARD INQUIRY in the process!! For Pete's sake, I was just trying to ask for LESS MONEY like any responsible borrower should! In summary: - Know that the advertised, estimated payment at the beginning of the process is low-balled. It will probably increase by at least 30-40% from an insurance and tax monthly escrow perspective, depending on your situation. Just know that before going in. - Because, once you start, you can't stop or make any adjustments!! Somewhere along the way, they do a hard pull on your credit report, and if you DO want to tweak your requested loan amount, it will cost you $$$ in the form of "having" to go ahead and "lock the rate". It's just too slick of a UX, with too few or poorly emphasized disclosures. And just an FYI, my current 1st mortgage does not require me to pay monthly escrow payments for insurance or taxes. So while that apparently is a "hard guideline" for Figure Finance, there are lenders out there who waive that requirement. They do not. But you don't know they don't, until then end of the process and only then if you ask them. Just saying.

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Best loan process ever!

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I LOVE IT ! quick , simple . SOLID COMPANY no BS , no hassle Jerzy

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Quick, efficient, easy!! A+++++

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I was seeking a HELOC and having challenges contacting anyone at my legacy mega-bank who could help. The big banks have been historically disappointing in their service, even though I’ve been a personal and business client for 30+ years. I read about Figure, gave the platform a try online. I was astounded as to the speed and straightforward response. I closed on my HELOC within 2-weeks and never had to hassle with a big-box banker. Figure does cost more than a traditional bank, but Figure got the deal done in an honest and easy manner. It is worth the premium, in my opinion. Save the heartache and hassle of going through a brick and mortar bank. Work everything out online and see what Figure can offer. For me, it was a perfect choice. I’m very grateful for Figure and their professional team.

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Woow that nice

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Super efficient app process, best rates, and fast funding. Although Figure guided me that approval would take a day or two, it was complete same day. Although funding was anticipated to take a few more days, it was in my account next business day. Also rate was 3-4% less than competitors. Best process I’ve experienced yet.

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This was the easiest loan process I've done. My credit score is good, and I kept getting turned down by other lenders, and they kept giving me a hard inquiry. Figure doesn't do a hard inquiry until after they verify income, which was amazing. It literally took less than 24 hours for me to get approved for my loan, and I was funded within 48 business hours. I will definitely use them again in the future when I need a loan. The customer service was amazing as well, and every person I spoke with was super helpful and nice.

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Excellent service and very rapid too!!! Thank you so much!!!

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Their online platform was great! Everything moved forward with ease and stress free. Great HELOC company. In times when HELOCS are scared Figure helped us so we can remodel our home.

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What you see is what you get! Easy application process and quick funding. No bait and switch tactics.

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A very painless process. Everyone so great to work with, now I can do the maintenance to my home. .

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Figure is a reputable company and easy to work with if you understand the business rules, maintain good credit and maintain good communication, definitely a happy and recommend this institution

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Recommend you read through several reviews, particularly the 1-2 star reviews, and consider whether the problem lies with Figure or the applicant. Bottom line: if you have good credit, meet the Figure criteria for debt-income ratio, provide them the required documentation, and remain vigilant, you will complete the process quickly. Started my application at 10am, was fully approved by 2pm, and received the funds for a HELOC within 48 hours. Complaint translations: "I was delayed for _____ days/weeks" - Figure asked for clarification or additional documentation and I either didn't respond, didn't comply, or made no effort to obtain additional information that may have expedited the process "My app was voided in _____ days" - see above "I paid more than the monthly requirement and my payment didn't go down" - I don't understand how loan repayment works "I didn't get the advertised rate" - I don't understand how marketing works/don't understand that a rate cannot be assigned until I authorize lenders to access my full credit report "The automated system (PLAID) is horrible!" - I lack the common sense to contact the helpline, explain my concern, and rectify the problem "My home was undervalued" - I spend too much time on web-based realty sites that provide bogus estimates, and have no concept of the appraisal process "I received $90,000 and had to pay back $96,000" - I have no idea how interest works and did not read the loan documents "I was denied in _____ minutes after being told I was pre-approved and now have a hard inquiry on my credit report" - I don't understand that pre-approval accounts for what lenders know about my credit at the time of pre-approval, and didn't bother to ask when the credit check occurs (incidentally, Figure won't do a hard inquiry until they know you financially qualify, which is why they check your debt-income and verify your annual salary prior to. This is rare for a mortgage company). Figure is a reputable company and easy to work with if you understand the business rules, maintain good credit, use the helpline when stuck, and apply critical thinking skills to the process. If you don't, and you're not approved, it probably says more about you than about Figure.

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Quick, easy and painless from start to finish. I applied for a 50k personal debt consolidation loan on Friday and had the funds in my bank account the following Tuesday. My good credit was rewarded with competitive rates. And the process! So painless, just know you will be required to give electronic access (user names and passwords) to your online bank account and tax return to verify your employment and income. Everything is automated and quick. When I had a question, I was able to chat online with a representative at 9pm EST on a Friday night with literally ZERO wait time! Thank you Figure for taking the stress out of this experience!

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I can’t rant and rave enough about this company! The process was easy and smooth.

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We're very happy with our experience. They have worked with us every step of the way.

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Very happy with process it was easy going the communication was great the entire process numbers everything was clear straight forward 100% can be trusted I was approved and received funds in a matter of a couple of days I will strongly recommend to family and friends 5 stars all day no complaints looking forward to my relationship with figure

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Thank You! I appreciate it

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This company follows bait and switch. They sent a mail saying I have a lot of equity and asked me to apply for a HELOC with a special reservation code. When I applied, they pulled a credit report and denied because there is no equity, but offered a personal loan at a much higher rate than the advertised HELOC rate. Don't trust the mail that comes from these guys.

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I had originally applied in January 21 for a refinance loan but did not qualify for that. I spent the next few months working hard to improve my credit (raised it by 81 points!) and learning about percentage rates, loan products, and various companies. I applied with Figure again in July, but for a HELOC, and was approved. The entire process was a breeze and completed digitally -- from income verification (which was a blessing as a self-employed contractor) to e-notarizing to automatic funding. There were a couple of technical difficulties with my account dashboard but they were resolved very quickly (in one case in a few minutes, in the second case in a few hours). The team that I chatted with online (Ian, Daniel, and Brian) and my e-notary were all very efficient and professional. From start to finish -- app to funding -- the process was about a 12 days (July 15 to July 27), but a couple of those days were on me. A very quick process. I'd do it again and would recommend it to anyone.

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Great process, excellent customer support. 100% recommend

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Figure has been really easy to use and once I learned how to operate the software really great

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The entire loan process with Figure was one word: simple. As a real estate investor and home owner, I have applied for various home loans (both personal homes and investment properties) along with HELOC's in the past. Figure is hands-down the easiest funding process I've ever experienced. The entire process took less than 30 minutes or so for me, and I received the funding in less than a week. I love the fact that you can customize the home equity loan to fit your needs. I was able to choose, on a sliding scale, the loan amount and interest rates/closing costs that fit my needs. If you have basic computer skills, applying for a loan at Figure is the only way to go. I plan to use Figure for additional home loans/refinances/investment property loans in the coming years. When compared to a traditional bank, there really is no comparison. Finally, I was able to sign the loan documents with an E-Notary online. That signing process took approximately 5 minutes for both my wife and I. Thank you to the team at Figure!

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Great enrollment. Great service. Great rates. Easy to use website.

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Very pleased with whole process. Very professional and would recommend to others.

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