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% - 20.69% (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 1,085

Excellent

90%

Great

Average

Poor

Bad

TMR
a day ago
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
a day ago
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
a day ago
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
2 days ago
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
2 days ago
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
3 days ago
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
Feb 17, 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 cared Barbara
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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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Carlos Decouto
Feb 03, 2021
Simply the best
Simply the best! Where were you all this time? If I could take back all the money I made for all the other lenders, banks and creditors, I would put them all into this company. Smooth, Painless, courteous, friendly, respectful, professional, and most of all makes you feel like part of their family. I’m totally content. I highly recommend. Thank you for being there when I needed you most. Also for the 100 dollar Amazon coupon & T-shirt. I will proudly wear it and spread the word.
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David C
Feb 02, 2021
Pleasantly surprised with the process
I applied online with Figure after receiving a preapproved offer through mail and was pleasantly surprised how fast the process was from application to funding of the HELOC. The application process guided you through available loan amounts and associated interest rates. I selected the biggest discount possible which includes auto pay from my checking account and joining a credit union (which I’ll use for a new savings account). The online application process also provides four options of income verification and I chose the fastest method which was to link your checking account and allow them access to review deposits and balances. This is no different then providing bank statements and paystubs, except my income was verified within minutes and no additional inquiries through my employer were required (direct deposits matched my stated income). After completion of the application and electronically signing documents, an online video session was completed with a notary the same afternoon. I showed my ID using the laptop camera then reviewed and electronically signed the final loan documents. They state funding can occur in as little as 5 business days. My loan amount was direct deposited into my checking account in only 4 business days. Your experience may vary if you select alternate income verification or if e-notary is not allowed in your state and closing must be done in person.
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LH
Jan 31, 2021
Quick & Easy
The experience was straightforward, quick and easy. I love a company that says what they do, and then does what they say!!
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Crystal Zeller
Jan 31, 2021
Our process of applying for
Our process of applying for, getting approved, and receiving our home equity line of credit was so easy and so fast. Literally 5 days. Whenever I had a question someone was available on the phone right away with out long wait times on hold.
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William Carman
Jan 30, 2021
Funding was fast everything was done…
Funding was fast everything was done online even the notary very good experience
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Mark Miller
Jan 30, 2021
We bought a piece of property but did…
We bought a piece of property but did not want to go through the refi process, as we are soon selling our home. I will be honest, I had my doubts when reading about Figures fast and easy funding process. Well here we are, one week later, and have just funded. Everything was so easy, from the documents required, the online process, they even send the notary to you. Highly recommend!
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Alex Moreno
Jan 29, 2021
FIGURE turned a bad experience around!
I recently had an horrendous experience trying to initially get a home refinanced, then after that failure, to secure a HELOC. I was amazed and appalled that the 2 previous companies didn't ask me basic questions such as LTV and Debt to ratio income... I ended up losing $1,100! A week later I actually got an ad from Amazon saying "do an application with FIGURE"...so I started my application around 9am and by the end of the day I had already been approved. Even with a few glitches in my application, each time I called the professional reps helped me out. It was a pleasant and efficient experience- but the real surprise was I received y funds just 6 days later!!!!!!!!!!!!!!! Wow. I was amazed. Thank you all at FIGURE. And to potential clients out there- stay away from traditional mortgage brokers who just want to inflate closing costs. Give FIGURE a shot. ALex M
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Jim
Jan 29, 2021
Excellent to deal with very fast…
Excellent to deal with very fast deposit time only took a week from start to finish every loan should be this easy
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Fred Grunewald
Jan 26, 2021
It was so easy and customer support was…
It was so easy and customer support was the best I have ever experienced.
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Jet
Jan 26, 2021
Easy process
Easy process. Online application was easy to fill out. The staff were ready to answer any questions I had. Finally, the deposit to my bank account did not take long at all.
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G.S.
Jan 22, 2021
Mortgage Refi
I refinanced my mortgage through Figure. Beyond a weird hiccup involving my specific account not showing my dashboard correctly and as a result some e-sign stuff getting wonky -- which got escalated to Engineering and resolved -- I was really satisfied with the whole process. Worth noting my existing mortgage was with Wells Fargo. I reached out to them + First Republic (I'm in California), and here's what happened with those two: 1) The rep at Wells said "I've never heard of that company and they're lying to you about your rate." Then proceeded to try to sell me a different type of mortgage than I requested a quote on. 2) I never heard back from First Republic, after reaching out to them multiple times. Figure's Support folks were super patient with my many, many questions about the refi process and everything else, too.
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Andrew Hrinda
Jan 21, 2021
Very helpful people
Very helpful people. They made the process so easy and were so knowledgeable it took the pain out of it. The charges were very fair compared to the other loan companies I've dealt with (and I've dealt with quite a few), I can and will recommend. Figure to my friends that seek financing. I'd also add I am an old guy and they were very considerate with my lack of computer skills Lol.
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Laurie Kuhr - Customer
Jan 19, 2021
Very happy with my entire experience
Very happy with my entire experience. Easy, efficient, and FAST!
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Sergio Cervantes
Jan 26, 2021
DECLINED FOR CREDIT TWICE
this is a lender that after sending me a pre-approval code for credit few times and applying for credit twice, I have been declined twice, my credit score is excellent with no missed payments in as long as eight straight years if I could give them 0 stars that's what they will get from me. Also in order to get the low interest rate they offer in the pre-approval code customer has to pay 4.99% closing cost fees wich should be illegal, bc it's a HELOC not a refinance, local banks offer HELOC's for $300.00 clossing costs, absolutely RIDICULOUS on figure.com side. PS 2 days later figure.com not happy with my review called me to make treats on myself. What kind of company is this? Do they really believe they are the only financing company in the USA..wrong, they are #90 out of 170 financing institutions, they get hurt for a bad rating we the consumers get hurt by hard pull on credit reports also. And they got 2 on me in 45 days, this figure.com team sucks. My credit line vs income? I'm using 8% of my credit CLTV? I was applying for 70% of my home value including your high closing costs of 4.99%. ass%*-+/. Sergio O Cervantes
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Home Remodeling Loan
Jan 16, 2021
Great Experience!!
Great customer service - streamline process - funds in a hurry. Not one complaint about the way our loan was handled. Highly recommended!!
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PRAB
Jan 15, 2021
Super Five star hybrid heloc
Super Five star. The process is simple and fast. Valuation model needs improvement with current information from counties and also giving accurate property value estimates. That’s a very important improvement which needs to happen. Other than that, it was a hassle free hybrid heloc.
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Steve Warden
Jan 14, 2021
I own two houses on opposite ends of…
I own two houses on opposite ends of the state. Because your computer cannot communicate with the county tax assessors in Oregon I get denied because you cannot determine property value. Unfortunate that I will not be able to take advantage of your 2.49% interest rate after you've bombarded my mailbox with these fantastic offers that beat even my credit union.
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Kevin Parkin
Jan 14, 2021
Excellent experience
Excellent experience! Smooth transition and super friendly, helpful people! I never imagined that it would be so easy! - Great rates! - Easy application - Super nice people Thanks again!
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louis brumbaugh
Jan 13, 2021
I am very pleased with the entire…
I am very pleased with the entire process of opening a home equity loan through Figure. They made it simple and quick. I highly recommend using them for your financial needs.
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Steve Teichgraeber
Jan 12, 2021
Fantastic
Wow. Easiest loan I have ever taken out. The reviews are real. If you don't want to waste time, try out Figure. It took less than 20 minutes start to finish to provide everything they needed. Competitive rates on top of the quick service makes this a no-brainer. Go Figure.
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Anita Long
Jan 09, 2021
Great experience
Great experience! They are very intelligent and efficient in the entire process. Clean and diligent and wonderful experience.
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Jacques Delvoye
Jan 08, 2021
Ridiculous
Ridiculous, you have me fill all info, and then tell me you don't lend on condos... Congratulations !
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Luis
Jan 07, 2021
THE BEST OF THE BEST "FIGURE"
Hello, everything positive that is commented on FIGURE is pure reality, in my case everything flowed perfectly, I can't complain about anything, they fulfilled everything they say step by step, so I recommend FIGURE 100%, a lot thanks.
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Heather
Jan 06, 2021
Can't Go Wrong With Figure
I've gotta say, opening up a HELOC with Figure was so fast and easy! Everything can be done online quickly and efficiently and if you need help or have questions, the Figure representatives are awesome! Every time I called they were super helpful, friendly and knowledgable. The application process is quick and easy (can seriously be done in less than an hour) and the online notary service took less than 5 minutes. 5 days later, the money was transferred into my account and in 2 days it was cleared for use. If you're looking for low rates and an easy way to take equity out of your home, quickly - you definitely have to check out and choose Figure!
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Michelle Foglesong Wilson
Jan 06, 2021
Most streamlined mortgage loan EVER
I have been in the real estate and mortgage industry for over 30 years and HANDS DOWN the process of getting an equity line on our home was the most streamlined transaction I’ve ever done. I am beyond impressed and will confidently refer everyone I can!
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Daniel Garcia
Jan 05, 2021
Love it.the process is very easy.
Love it.the process is very easy.
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Marie Bungard
Jan 05, 2021
So far
So far, so good. Would like to suggest that the person doing the notary work have a more professional-looking background.
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Ramon Avina
Jan 05, 2021
Very easy process
Very easy process
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Agnes Zigbuo-raynes
Jan 05, 2021
The process of doing our equity line of…
The process of doing our equity line of credit was "FLAWLESS" from start to finish. I am so happy we got to do this with no drama and all on line. A Raynes
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Thomas Brandt
Jan 05, 2021
I was leery at first
I was leery at first, but these people were very helpful and guided us through the whole process and we had our money within 5 business days. Highly pleased with the whole process!
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Pradeep BM
Jan 02, 2021
Figure Lending LLC is amazingly great
Figure Lending LLC is amazingly great! I am 53, and taking loan from Figure was my first experience of 100% paperless processing. I did not have to upload even my pay stub or Tax Returns; everything was done real time using the websites of the source, such as ADP for income verification, bank website for verifying assets, etc. I highly recommend Figure Lending LLC. Thanks!!!
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Customer
Dec 30, 2020
Everyone was helpful & nice.
Everyone was helpful & nice.
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Carmen
Dec 29, 2020
My Experience
Customer Service Representatives were very helpful throughout the loan documents process.First time doing a online loan it was very easy. Representatives answered all my questions, it was a great experience for me dealing with this company. I highly recommend this company.
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William Arnold
Dec 29, 2020
Thank you for preapproving
Thank you for preapproving. Some of the online things that had to done was a challenge. But everyone was very helpful to get it done. Thank you so much.
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Donado Manuel
Dec 28, 2020
Figure is the industry leading HELOC provider! Period.
Figure has been awesome! I have heard and seen horror stories from length to close to being bearded as a cattle. I can tell you for a fact the front side of figure is impeccable and industry leading from the swiftness to the world class customer service when I reached out (on 3 occasions) for questions or what’s next. At this rate they are moving I will have applied signed closing docs and received HELOC funds in 15 days!!!! BTW....that’s during a Pandemic AND the Christmas Holiday season 2020!!! What in the world?!?!?!?! It’s freaking awesome is what it is! I am a proud Figure customer and I will sing from the mountain top to say it! I am hear to stay. Thanks for all your help and streamlined process!
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R&B Hobby Shop
Dec 28, 2020
Figure is a Quick easy process
Figure is a Quick easy process. They take the stress and aggravation out of the loan process. Our transaction took less than 1 week. The agents and chat team our awesome. I recommend figure to anyone who is interested in a home equity loan.
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Lee Robbins Allen
Dec 26, 2020
Very easy & smooth transaction
Very easy & smooth transaction. Started a HELOC on 12/15, closed it on 12/17 & it funded on 12/22. Start to finished in a week. I couldn't be happier. Would definitely recommend this option to anyone. The rate was higher than I would have liked, but the payments are doable. And there's no prepayment penalty.
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TIM Brown
Dec 25, 2020
Great experience from start to finish. Someone was always there to help
Great experience from start to finish
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Donna Stoeckert
Dec 25, 2020
Fantastic experience from start to…
Fantastic experience from start to finish. I would highly recommend. Thank you for your help.
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Therese Wilson
Dec 24, 2020
Amazing
Amazing! Why can't every lending experience be like this!
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Terry Carr
Dec 23, 2020
Smooth and quick process
Very quick and secure process from initial application to final e-notary phase. Live phone support extremely helpful, professional, and customer service oriented.
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Scott
Dec 22, 2020
Friendly service but unnecessary delays…
Friendly service but unnecessary delays in the process. I expected to jump through hoops, however, so this was a typical money lender experience.
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Angela Skelton
Dec 22, 2020
Taylor was awesome and very helpful
Taylor was awesome and very helpful. My husband and I both had him as our enotary and made the process very simple.
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Tammy Derosier
Dec 19, 2020
Truly amazing
Truly amazing, I applied late on Saturday night. Finished in a few minutes. call on Monday to check status. Because after I applied message said they were sending info for e notary. They just needed a photo of ID. I had sent scan copy. Sent the photo and done with the e notary Monday afternoon. Funds there on Friday. It is exactly what they say. Job well done team. I only had 2 phone calls. I called once and they called once and I was done. I was skeptical too at first about linking bank info and so on. My whole experience was 5 stars. I definitely would recommend Figure.
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Okeechobee Army's Surplus LLC
Dec 19, 2020
This is the fastest and easiest loan I…
This is the fastest and easiest loan I have ever gotten, the process is simple and easy to understand, every person that I have talked to has been very professional and polite Thank you Figure
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Roya Khodaie
Dec 17, 2020
Wonderful company to work with.
Wonderful company to work with.
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Whitney Wollert
Dec 17, 2020
Figure is first rate!
I have used Figure in the past and am very pleased with their business. They are professional, polite and helpful. I recently spoke with Taylor on the phone and he addressed all of my concerns and requests, efficiently and expeditiously. Pleasure doing business with these folks!
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DOROTHY PIEPER
Dec 16, 2020
Mike &the notary were very…
Mike &the notary were very helpful....made the process very easy for me!
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Lisa
Dec 15, 2020
Application and processing is super…
Application and processing is super slick! Agents were very response. Even with a slight deed complication from start to finish my loan was improved in 3 days.
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Jp Allen
Dec 11, 2020
Fast simple easy
Fast simple easy. Thank you.
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Joe Gallien
Dec 11, 2020
Figure Loans is fast and friendly
Figure Loans is fast, friendly, courteous and understanding. If you have the equity and means to pay the loan it's a nice walk in the park. Just make sure that you have all of your information handy.
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Michael Lynch
Dec 10, 2020
Hands down changing how lending is…
Hands down changing how lending is handled. These folks will pioneer the next generation of lending.
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Laurie Kuhr - Customer
Dec 09, 2020
Quick and easy process!
My home equity line of credit application was easy and went extremely smooth and quick. When I had questions, it was so easy to do the online chat feature. There was one time I needed to talk to someone in person, and my questions were answered quickly and everything was explained very well by a friendly and efficient agent. I am very pleased with the whole process!
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E G
Dec 09, 2020
Found figure online
Found figure online. Superb service super helpful. Got a HELOC processed in a few hours. Amazing system to verify income. Would recommend to everyone I know.
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Bruce
Dec 09, 2020
A big high five to the Figure team
I was totally happy with the service, the follow up, every team member was well informed and always willing to research , answer my questions I am very very pleased with my financing with Figure
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Ken Johnson
Dec 08, 2020
Figure has done what the said they…
Figure has done what the said they would do. They made the process simple and allowed us to consolidate payments and save $$. I would recommend them and use their services again.
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Sara Jane Meisner
Dec 08, 2020
Exceptional Customer Service
I spoke with Taylor in customer service yesterday. I unfortunately had a problem with my automatic monthly payment for Dec. Taylor was so courteous & helpful. He helped me through the process of paying my Dec. payment & reinstated my automatic payment with my checking account. I'm truly grateful when I receive exceptional customer service. Thanks Taylor.
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Peter
Dec 04, 2020
Complete was of time. Last minute rate hike
I selected Figure to do a refinance after reviewing some information online that said they were a top10 company. The process seemed easy enough being mostly digital. However, other than the initial information request the rest of the process was awful. Every time I would get to the end where I would be able to lock my rate, it would come back that underwriting needed to review. Send in more information and wait. And then again more information and wait. Every couple of days the interest rate would move by up to half a percent. I spent a little time on the phone and found they wanted a copy of a document that required me to request in writing to get or give them permission to obtain, so I gave them permission to obtain it to expedite the process. Then underwriting comes back wanting more paperwork......the same thing I have already submitted. Even the person I spoke to was befuddled as to why they would ask for the same thing again. After a month of dragging their feet, they claim they had to increase my rate as they didn't run my credit until the last minute and that the soft score and hard score (using two different calculatory methods) weren't good enough to warrant the numbers they provided me. But if I was willing to pay an additional $4000+ in points I could get that rate. An utter and complete waste of time. And when I sent an unhappy email, the reply was sorry we'll forward this to the complaint department......as if I didn't know that was the trash can. I'd leave negative stars if possible.
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Richard cox
Dec 04, 2020
Techno challenged
I am 66 years old not real techno savee. I have had many loans of one kind or another. The loan with figure was without a doubt the fastest and easiest loan ever. The people where kind knowledgeable and always prompt. I will not only say that I will recommend figure but I have recommended figure. Home run you knocked outa the park
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Mike Moore
Dec 03, 2020
Competent, knowledgeable and friendly agents!
Throughout the application process, we have been impressed with the friendliness of your agents, their competence and product knowledge, and the speed of the loan process. I would like to mention one team member, Kyle in Bozeman, MT., who successfully walked me through linking my IRS account to Figure for income verification. This was after two (or three) failed attempts on my own to link the accounts. Also, we want to recognize the notaries, Leine and Anthony, who likewise gave us fantastic service, and also Audrey, who I just spoke to!
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Brian B
Dec 04, 2020
Figure seems dishonest from the start
Simply requesting their "boilerplate" disclosures docs is a no go. Instead, they first want to drain your identity info into their marketing database and run a credit inquiry. I imagine they sell your info out the backdoor, whether you qualify or not. Info requests are instead pushed to customer service cogs, allowing responses to be disjointed and blurring accountability. How convenient. They quickly become dismissive and rude if you insist on things. I would approach them with all the trust of poker sharks inviting you to a "friendly" game. I suggest looking deep in the reviews here, I found some gems. Also be sure to check out their Glassdoor reviews, there's rust under the hood, "Leadership is unengaged, HR unable to support employees in a meaningful way, does not staff appropriately to volume, 'if you don't like it then leave' mentality, employee feedback dismissed, leadership in operations dismissive. Terminations are not communicated to the supervisors of the teams" — gee how did I not have to guess this! Ok, I can't be all negative, so I will add that their glossy website interface is useful when negotiating with their competitors.
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Hector
Dec 02, 2020
The process was easy and the…
The process was easy and the representatives were right on key. I would recommend Figure to anyone that needs service or advice on needs relative to financing. Great job....
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L E
Dec 02, 2020
Seamless process!
Seamless process!
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Saul Duran
Dec 01, 2020
I tried so many others and their…
I tried so many others and their answers were not what I expected this company kept me up to date on my loan nice but it would have been nicer to get something like a certificate of appreciation such as a gift certificate thank you
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DC
Dec 10, 2020
Not ready for prime time - save your sanity go elsewhere
Please do not work with this lender - they are the worst refinance experience I have ever had. People, process and technology are not ready for prime time. Hours upon hours of wasted time both pre and post close due to Figure Lending mistakes. UPDATE: The vendor response to this review is symbolic of the problems - no really offer to talk or help. Just empty platitudes.
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Mike Crist
Nov 25, 2020
Dumbfounded how this outfit can be so…
Dumbfounded how this outfit can be so highly rated. Their advertising is incredibly misleading. They advertise a 2.49% home equity rate, but if you read the fine print, that is only if you pay an outrageous 4.99% origination fee up front. You can do much better at your local credit union, people!
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Thad Fellows
Nov 25, 2020
In a time of Great FinanciaL Need…
In a time of Great FinanciaL Need Figure was There for US!!!! Saved US. From Overwhelming credit card debt and interest. THANK YOU!!!! FIGURE Very Friendly Polite and ProfessionaL. Would Recommend Figure to Anyone in FinanciaL Need.🙂 Easy and Fast.
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Sanford
Nov 26, 2020
Do not let them waste your time
Do not let them waste your time. They definitely do not know what they’re doing when it comes to home loans!! Clueless is being nice! I waited almost two months and I paid for the appraisal and then they decided that they can’t do the loan because of owning a company. what a joke. I talked to a supervisor that never returns my call I always had to follow up with him. Not real sure my personal information is safe with them and I give them a lot of personal information
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Paula Rangel
Nov 23, 2020
Seamless
Seamless, seamless, seamless had my money in 4 days! Very professional everything done on line!
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Charles Bauer
Nov 23, 2020
This five star review is specifically…
This five star review is specifically for their customer service. Every time I talk with them, they are smart, courteous, competent, and easy to communicate with. I wish all organizations had customer service this good.
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Kevin P
Nov 23, 2020
Super Easy Process
This has to have been the easiest and fastest Home Equity Line I have ever applied and closed on. I applied on Thursday had funds in my account on Monday. The origination fee and interest rate is a little higher than other banks but still competitive. I highly recommend them and if you need the funding quickly FIGURE is your bank. Thanks again the process is what all banks should be like!!!!
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TG
Nov 23, 2020
Very Good!
The process was straightforward, efficient, and stress-free.
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Jesus Quinonez
Nov 20, 2020
The process for a loan at Figure is…
The process for a loan at Figure is outstanding. It's so quick and easy....it makes McDonalds look slow. Everyone in the process goes above and beyond the call of duty. Kudos to Audrey and Rosalie...they were super knowledgeable and speedy.. Thanks again all.. Stay safe, strong and happy. JQ
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Tiffany Roan
Nov 20, 2020
Great Customer Service
Even though I have had difficulty with some of the online submission tools the live customer service representatives have been wonderful. They have been friendly, patient and knowledgeable. All in all, the process was still pretty easy with their assistance.
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Happy Dog Mom
Nov 20, 2020
Great Experience
So far, this has been the easiest loan/mortgage experience of my life! Within 3 days I've applied, been approved, met with a notary and am now awaiting the funds distribution on my home equity line of credit loan. It has been a breath of fresh air to work with a company that actually does what they say they will do, when they say they will do it. This has been a great experience so far. Thanks!
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