Figure Review

Very easy and clean to do business with.

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I started my application on 11/19 I noted I am retired… on 11/30 after countless emails, Ten documented phone conversations, one with a Manager I canceled my request,,, I listed my income and was 2,634 short I explained I have a 1099 for an additional $4,156 they said to send over when it was verified they would honor their original offer,,, then the manager called back they couldn’t accept a 1099 because I was retired?? They blamed it on their “System”. They sent me another offer not close to the original offer.. it felt like a bait and switch,, very deceiving,,,

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Quick and easy application process.

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My application has been in this "review" status for over a week. I've been reading all the other reviews on how they got funded fast. I wonder why my application is taking so long. What's going on figure!?? Update They canceled my application just for posting this review! Figure is a terrible loan place and very unprofessional

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I have been in the mortgage business for over 10 years, I am blown away by the speed and accuracy of Figure.com. I applied on Sunday night, by Wednesday morning at 9am everything was completed. That’s only because my county requires an in-person notary which ended up being super simple to schedule, showed up Wednesday morning. Funds in my account the following Tuesday morning. That is 5 total business days as Thursday was Thanksgiving! My appraisal was very accurate in my opinion and gave me exactly what I asked for nothing changed from initial offer. I am confident my relationship with them with continue to be well after this process. Thanks Figure!! -Mike in Ohio

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Quick and Easy process.

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I have applied for very few loans. I have always dreaded sitting in a loan office for hours only to get calls for the next 2 weeks about the different papers they need to verify your information that they never told you they needed. It has always been so stressful. The process with Figure just set the standard for loan application, review, and approval a lot higher. I applied for and recieved approval in one day. The process was in my hands. Every step had the option to call and complete that part of the process expedited. If you don't have time, you can wait for it to be approved through the normal process or call at a later time. Everything is done virtually and the whole process from start to approval can take as little as 1-2 hours. Highly recommend!

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Was denied a conventional mortgage with 50% down due to issues with tax return. Turned to a personal loan to close on property and figure had me approved and funds sent within 10 minutes. Filled out application, gave login to my HR portal to verify income, and had a quick video call to talk to loan officer and was given a 50k loan.

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They did what they said. They gave me the amount I requested, a low APR and it was NO hassle. Figure Loan is great. By consolidating my Credit Card debt, I save $1500.00 a month and raised my credit score from 620 to 772 in a month

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Working with Figure was a breeze. Best loan experience I've had (and I've had many!)

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Literally the easiest most efficient loan process I have ever experienced. All the rates and terms were clearly listed. I liked that I could enter different loan amounts and see how the monthly payments change. The documentation was simple and took only a few minutes. The loan approval took only a few minutes more. I live in a county where a notary witnessing the signing of loan documentation must be done in person or that could have been done online also. The notary showed up at my residence at the agreed time and a few days later the money was in my checking account. How easy was that! I have been through the usual torture of applying for loans many times in my life. This was the most (dare I say) pleasant way to borrow money that I’ve experienced.

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Overall, had a positive experience. First time using Figure and didn't really know what to expect. Overall, the process was pretty straight forward and quick. Compared to traditional bank options, it appears the overall costs are a bit higher, but for the flexibility and ease of procuring funds quickly, I appreciate Figure's platform as the banks are a lot more difficult. Definitely recommend you check it out as a HELOC option.

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This loan was very simple and funded within about a week or less. Signed the contract on Thursday evening and money was in my account by the next Wednesday.

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Very easy and customer service is very helpful

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Figure was extremely professional, helpful and understanding. They are fantastic!

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I was so excited to get a HELOC with figure and love the blockchain idea! Sadly when we applied we were quickly denied despite having fantastic income and a great amount of equity in our home. When I reviewed their documents about why we were denied it said that our home wasn’t valued enough. I then referenced the home valuation report they used to access our home and the information was complexity WRONG. We gave a 3 bed 2 bath two story home that is 1300 square feet and the report obviously referenced the house before it was flipped. It recorded us as a 2 bedroom, 1 bath single story at 900 square feet. The report even gave a confidence rating of the data explaining that most homes received a 60-80 meaning they had a high level of accuracy in their report. Our listed rating was 0!! A completely useless report and no one from figure even reached out to explain or try to figure out an actual appraisal of our property to gain our business. Sadly we are about to embark are a massive reno and I don’t think we’ll decide to go with Figure because of the lack of finesse in their appraisals. I would recommend Renofi as they hire an appraiser to go to your home and investigate comps in your area and they offer loans based on post reno values! Can anyone at Figure help me figure this out?

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Extremely easy process! I had one issue trying to link my bank account, but I called and within minutes it was fixed. I would definitely recommend Figure for a personal loan!

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Figure is by far the best to work with for a personal loan. They are helpful and listen to your needs. I am most appreciative of how easy the loan process was and the funding! Thank you Figure!

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The service was extraordinary! Muriya was who I was talking to and she expeditiously remedied the situation and was extremely nice about doing it. She even went above and beyond her duties by contacting the upper management and by her doing so, allowed me to get my problem fixed on the spot. I believe that the ceo of figure should give this wonderful woman, Muriya, a promotion or bonus or something special. I'll even chip in! Make sure that you let her know that I definitely appreciate her service and I won't be forgetting about that! Thanks

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they use an automated approach, which is beyond flawed. linked my savings account, checking account with 10 years direct deposits twice monthly- and it calculated my income as $1 and savings as 41. it wouldn't even allow me to link my investment or IRA accounts as assets, also accounts with proven 5 year history, saying they aren't checking accounts. of course they're not - they are investment accounts. Calling customer service, they had no suggestions to fix it, as there is no underwriter to manually do. ok then figure out how to get your system to work properly and reflect all the stated assets and funds i have - but they can't do that. FLAWED SYSTEM AND METHOD OF APPROVAL. WASTE OF 2 HOURS DOING APPLICATION. don't claim its based off assets, income and proven accounting for these - its not. if it were I would be beyond this holdup. its just that you are at the whim of their system, which apparently they cannot answer why it errors or fix those errors.

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Excellent service easy process

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Excellent service. Simple and fast.

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I have never had such ease when applying for a loan. From start to finish it has been straight forward and hassle free! Thanks to Credit Karma for another fantastic find!

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Application and loan process was easy to complete. Overall process was outstanding

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A consummate and unique loan process experience.

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The application process was great, feedback to help was outstanding. Thorough, but very good process. They were very helpful in helping me finish the application and get approved. Somewhat easier than most lenders. Thank you Figure for the help and good rates.

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Excellent customer service

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The process for submitting a loan request is very thorough until we ran into the final step of talking to CSA. Figure web page uses Google Chrome which I do not use. After loading and updating Chrome, the process was still not completed because it could not connect. We then tried Firefox with the same results. After working with another tech and downloading any new Chowne software and about three hours later, we are able to connect to the CSA representative and was able to verify my identification and completed the application. I would like to thank all reps that assisted me with the loan request, problem is the last techs I can remember were Mike and Chelsea I believe.

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Quick, easy and efficient! Figure has clearly embraced technology to make the application and funding process easy without many phone calls from call centers. All done online in easy steps. They had the best interest rate and loan amounts. All other options offered 15%-20%, Figure came in at 10%.

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Simple application process. Very Fast processing. Competitive Rates & Fees. On Customer Service: Actual HUMANS answer real phones & sound like local American Citizens, with full command of the English language. They are understanding, cooperative and quickly resolve any questions / concerns quickly and accurately. I've never seen a better company, and I'm a retired Real Estate Broker! (Exit Infinity Realty, Las Vegas, NV.)

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An amazing experience. A process that is efficient, with customer service keeping you updated on status, and funding within 24 hours. I cannot understate how impressed I am with the process!

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Does anyone have a physical address for this company? The loan I applied for had the wrong address. The loan officer said he was going to cancel my application (which was fine with me as I got a personal loan through my bank) But I open my bank account 2 days ago and FIGURE deposited $47795 into my account! They want me to pay $1050 a month for the next 5 years! I can't afford this. I don't recall signing anything or agreeing to this loan. They even charged me $1600 in 'closing cost'. I want to send this money back (minus the $1600 bogus charge taken out of a $49,000+ loan)! They have not responded to my numerous emails. Any help would be appreciated.

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Simple process. Outstanding speed. Results as promised. Satisfied customer!

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So far my experience with Figure has been a pleasant one, and I would recommend the service to any one who asked for my opinion.

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Loan process was easy, but website has problems, difficulty setting up auto pay and can't pay my first payment. Costumer service is no help, I get the run around. 5 attempts at re-adding my bank account with no success.

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This company has hidden costs! You will pay way too much for this, this is a modern day loanshark masked as a trusted financial company! I am getting rid of this loan. They also sold my loan to another bank I have never heard of.

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Great company, fast and easy service, highly recommended

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Good service and it fast

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Quickest hastle free loan I've ever gotten.

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Fast and simple process!

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If you are looking for a HELOC then look no further. I got funded in just a few days and was very satisfied with the whole process. Called customer service a couple of times to have questions answered and service was exceptional.

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Great experience. Fast and very professional

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Everything from figure went well except some of the mistakes I made and they were fixed immediately. Very good process and nice people to work with. Enjoyed every moment.

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Professional, responsive, caring.

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This was a fairly well-thought-out process. Almost seamless. Some minor tech issues regarding pop-up-blockers and other security trivia. Beyond that from start of the application to approval & signing, took only 3 business days, and I never had to leave the comfort of my own home. The software allowed me to fiddle with all the varaibles, like the rate and term, ubtil I was comfortable with the terms. Their customer service is very HUMAN FRIENDLY. I enjoyed the process.!!!

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I have never experienced this level of customer satisfaction in regards to securing a loan. The entire process, by far, has been the absolute best. I will be contacting Figure for my future needs. Salute!

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Great company, hassle free and very professional. Always there to meet your needs.

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My wife and I have had numerous loans in our 45 years of marriage and Figure has been the best experience and process ever. All employees were knowledgeable, friendly, polite and helpful. The process was as easy as they advertise. We would recommend them to anyone.

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The process was so quick and simple. Information was verified as it was submitted, Notification was immediate each step of the way. I will definitely be back and will refer you to everyone I know (that would be a good customer). Thank You

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It was the easiest process ever! We just had to see a notary in person to sign the final paperwork. 5 starts for Figure. 100% Recommended.

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Applying for a Home equity loan was a very easy, quick and seamless process. I would recommend Figure to anyone. I am recommending them to friends and family and coworkers who are looking to do the same thing. Thank you Figure for a smooth and non stressful process.❤️

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Figure was extraordinarily easy to work with and the terms of my loan were very favorable. I applied on Friday evening and my loan was funded the following Monday. It doesn’t get any better than that.

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The process was quick and seamless. I got an answer and paperwork completed in just a couple of hours. Amazing!

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I was in need of a loan for 15K. I’ve never taken a personal loan before so I did some research. I had heard of a local credit union advertising on the radio and tv of how exceptional they were. I looked them up online and the unsecured loan amount was for only up to 10K. ThenI had on my credit karma profile preapproval for Marcus Loan by Goldman Sachs for 16K I researched their website it came with many restrictions such as I could take out the loan only to consolidate debt so in other words they weren’t giving me new credit to use on my as I needed but how they saw fit. So I took to lending tree where I filled in my information soft pull of my credit it doesn’t affect your credit score to see what lenders had to offer. Figure was one that stood out for the interest rate. So I took to their website where I read it from top to bottom and I am a computer engineer and know block chain technology they mentioned. They took my info from their online process presented loan options that I could choose from they verify my income through my checking that I had to allow them access for quick verification the whole process took less than 15 minutes with an approval to use the 48K I was approved to use for what I needed not what they were directing me to do like Goldman’s! I also love that you can take out more than one loan with them up to your maximum amount as long as you meet the debt to income ratio and wait 90 days. So I was able to select a loan that was comfortable for my budget for the time being. I plan to pay the loan off in two years not the five I financed for to establish a great relationship with Figure where I plan to continue to do business with! It was the easiest process I’ve ever had applying for credit! I highly recommend them! I wanted to be sure it was that simple so I called customer to ensure I didn’t need to do anything else where I was welcomed by a friendly customer service representative who assured me my funds would arrive to the checking account I allowed them access to within 5 business days!

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I love it it's cool in nice

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Customer service and website is so easy and straightforward to deal with compared to a regular bank.

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This was so easy, and know our dream of a finished basement is a few months away.

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Figure far exceeded my expectations! I was working with another company, that eventually I could not do business with, but had done a lot of damage to my credit score. I tried HELOCs through other companies (including my own bank) but was denied. I decided to give Figure chance. Their website and process was so easy and fast - I was blown away. I had one question - I picked up the phone and called and immediately got someone (no long phone menus or being on hold). Very pleasant person and conversation who answered my question easily and quickly. It took less than one week from start to having a notary come to me to sign final documents. Figure bailed me out big time, and my stress levels have gone down a lot!

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I applied with the bank currently holding my mortgage for a HELOC to do some home improvement projects. While the reps I spoke with were all very nice, I was shocked when they told me the process would take 3 to 4 months! So a Google search for quick-turn around HELOC lenders led me to Figure. I spent some time researching the company and reading review after review. I decided I'd give it a try and after a few little glitches in the initial application, my HELOC was in process. From start to finish the entire process took less time than a trip to the grocery store! Help is readily available every step of the way via chat or phone, every step is presented clearly in language I could comprehend. I am awaiting the first draw on my HELOC in a day or two. Thank you, Figure, for making it so simple!!

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These folks are the real deal. Extremely responsive, friendly and professional. I’m not sure how it gets any better.

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Yes, I too was skeptical of the reviews and stories. In addition, couldn't find much feedback on them otherwise. I decided to give them a try. The application was simple and easy enough. Took maybe 30 minutes or less, but after submitting the application a glitch occurred in their system. My application didn't move for 48 hours. This is where the skepticism kicks in. I called customer service and the guy was super nice and helpful. Told me to call back if I didn't hear anything. Called back and found out it wasn't just my app. but their system. Was told it had been forwarded to their IT department for resolution. So after sitting for 48 hours, they got the glitch worked out and my app. sailed thru from there. Had the approval and cash from my Heloc within the next 24 hours. Yes, the funds were in my account that fast! I was shocked and excited! Happily found out that Figure.com is the real deal. I certainly plan on doing business with them again! Highly recommend! Please note: everyone's experience will be different depending upon your circumstances. Your experience will most probably be different from mine. However, I can vouch that Figure.com is legit and strive to deliver on their promises.

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Acquiring a line of credit with Figure was an excellent experience for me. I received Figure’s invitation in the mail. The initial sign-in could not of been easier, filling out my information applying for a line of credit as that is what I wanted, rather than a loan. All Agents on chats were knowledgeable, courtesy making it very easy to apply, taking me only several days for approval. Great procedure online, not going in a bank thus Minimizing charges for borrower. Absolutely Awesome experience. Sincerely, Constance Andrew

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I really like that they were fast and efficient

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Great experiance

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If you decide to get a home equity loan I highly recommend FIGURE. It's easy, the communication from the company is EXCELLENT. And the interest rates FIGURE provides are better than anyone else out there. I highly recommend that you go straight to FIGURE for any home equity financing needs.

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Easiest and quickest process ever!!

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Best loan process I have ever seen. I was nervous with it being all online as I had previously done a mortgage with RM and it turned into a disaster that took forever to get completed due to incompetent employees. I can say I called in with questiones 1 time and the representative was very knowledgeable and answered all my questions immediately. I also had an online chat with a rep and they were also very helpful. This is definitely the best company to go with for a loan. From application to funds available in my bank was 8 days. Awesome company.

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The process of applying for a HELOC loan couldn't be any easier. The representatives when needed were professional and very helpful at answering questions. I would definitely recommend them to everyone for financing needs. The rates are great!

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Very simple application process. Quick response. Recommend to anyone

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Every thing worked as advertised. Appreciate your support staff they answered every question.

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The application and approval process was simple. Everyone has been so helpful and kind.

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Crap and BS, was telling me 3 weeks than I am approved and then declined and couldn't even explain the reason. Don't waste your time.

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Awesome customer service. Associates are on the ball & get right back to you either by email of the chat function. Applied for a personal loan early Friday morning and it was approved and funding initiated by mid day Saturday. Highest recommendation for this company & staff

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The process was super easy, I had a few connectivity issues when moving thru the application but Customer Support quickly got me taken care of. Overall two thumbs up Service...Thanks!!

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Amazing automated quick response. Simple to use. Efficient! When I called in very friendly and helpful.

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Wow...Far and away the easiest loan process I have ever completed. I started an application with Bank of America last week and got a call yesterday to let me know they were so backlogged that it would be *7 to 10 weeks* before I would even be assigned a loan officer to begin the process. So when I was able to get through the entire process with Figure, clear through to approval and notarization, in just a few hours, I was pretty shocked. They have an e-notary process that is incredibly efficient.

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I attempted to get a line of credit. I meet all criteria. They can’t find my address in their system! I own a condo, the building comes up, other units come up, but mine doesn’t. They blame the third party system they work with, but don’t know the name of that system so I can’t contact them. So I’m just out of luck. No help at all. Don’t believe their advertising!

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Mr. Bridger Arthun is a professional that was extremely patient with me on the phone while providing me with a smooth and fast experience. I had multiple questions, and Bridger answered all my questions accurately. While helping me finalizing the last steps throughout my application, he was keeping me updated constantly as to what was being done and why. Thank you for the excellent customer service and professionalism. ~Mack

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Amazing experience!!! I couldn’t believe what I got approved for !

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Smooth sailing throughout the process!

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Very responsive with emails and phone calls. Was pleasantly surprised at how quickly funds showed up in account.

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I am trying to get a mortgage loan and although I’ve done nothing wrong there are people unannounced to me trying to take out of my accts. Unfortunately they had to freeze many of my accts. And it caused my credit score to drop a few times although I just picked up and moved on. But figure is willing to give me a chance thanks to gigure?

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Figure is light years away from what any mortgage company I have worked with in the past can do in terms of customer service. The online process is simple and easy to follow. I loved how the integration with the bank made the income verification a snap. Need for additional documentation is handled very quickly, and can be done conveniently through the phone, or a simple email attachment. The call center staff is very friendly, and they follow through (quickly). There were a couple if minor hic-ups, but they pale in comparison with the pain they would have been for me in the past with other lenders, and the other benefits of working with Figure overshadow them, so I still give them a 5 star rating!

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Quite efficient, sereous and well coordinated. No reed tape. Very pleased with service and results.

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Kept me well informed throughout the process giving the opportunity to make the decision that fit my needs.

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I had never heard of Figure until one night I was searching home equity products and their name came up. So easy to apply, everything verified digitally, they got me a notary and I signed docs at Starbucks. Four days later I had my funds. Totally recommend. Hoping I can refi with them sometime.

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Very easy and quick process, explained in detail. All done from the comfort of my home.Will recommend to friends and family.

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My experience with Figure was wonderful! This best I've ever had with a Mtg company. My customer service person was 'AWESOME' and gets 10 starts out of a possible ten! The process was exactly as Figure's TV commercial said it would be. No wasting of time--rather "Bing-Bang-Boom!" The "Block-Chain" was solid and to the point! The entire process from beginning to funding was super fast. Way-to-go Block- Chain....

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Definitely a thumbs up from me... quick, efficient and fair. Was immediately approved for 5,000$ loan and had funds within 24 hrs

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The folks at Figure are helpful. professional. and care. The loan process was fast and easy, and the repayment fair and understandable. Cannot go wrong if you work with Figure!

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Easiest loan application I have ever been through! We had our funds in 1 business day.

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The best ! I’ll recommend all my friends. Thank you Figure.

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I can’t believe how easy this loan was! My higher interest credit card bills are paid off now and I have one lower interest payment! I am a very happy customer! Thank you so much Figure👍

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Automated and quick application process. Quick funding. Good rate.

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I was shocked at the speed and ease of obtaining a loan. I have never received such fast, professional service from any lending institution. It is usually a long, drawn out process but not Figure. I'm a customer for life and will tell others about my experience. Thank you so much.

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Figure was fast and easy for this 76 year old! They do answer the phone, but most of what I needed was online. I was pleasantly surprised.

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Good to have someone that helps get finances back in order, due to curves that life may throw at you. I appreciate the Figure team for a seamless process.

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The representatives who help you on the telephone are exceptional! They are helpful, very professional, and patient. Especially, Shaniqua! It was a great experience overall. Much better than my experience with other personal loan companies. I would not hesitate to use their services in the future.

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Incredibly easy to secure the loan! VERY professional!! Everyone I spoke to/interacted with was VERY professional/knowledgeable/helpful! VERY pleased with the entire process! I will recommend Figure to any an all!!

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As a small business owner who periodically needs capital, I am so happy I found Figure. This is now my go-to source for funding. I’ve borrowed from them twice. They are fast, friendly and efficient — and their rates have been amazing. Buh-bye, hard money lenders.

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