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Figure Review

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Reviews 1,256

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Michael Graw
Michael Graw
May. 04, 20214 min read

Figure summary

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
Figureat a glance
4.2

Editorial score

Variety of loan types

Offers all loan types

5.0

Online experience

Good online resources, but no access to rates

4.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Loan amount range

Loan amount up to $50K

4.0

Repayment flexibility

Loan terms up to 60 months

4.0

Figure 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


figure
sofi
APR
5.99% - 15.00%
5.99% - 18.85% (with AutoPay)
Minimum credit scoreFair +
Good +
Loan amount$5,000-$50,000$5,000-$100,000
Loan term36-60 mo.
24-84 mo.
Suitable forFully online applicationLarge 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 Figure View Rates

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.

Figure
Figure
ExcellentReviews 1,256
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Trustpilot reviews

See what some costumers are saying about Figure
Figure
ExcellentReviews 1,256
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Excellent
90%
Great
3%
Average
1%
Poor
1%
Bad
5%
  • author
    Tracey Adams
    a day ago
    I thought it was a scam it's really…

    I thought it was a scam it's really true I'm so impressed with the Service it's Awesome thx. U figure

    ...

  • author
    Richard Vezmar
    a day ago
    Your a great asset to the lending…

    Your a great asset to the lending industry thanks a gian

    ...

  • author
    K Fischer
    2 days ago
    Could not have gone better.

    Without a doubt, the easiest financial transaction I have done in decades, maybe ever. The customer service aspect was perfect. Quick, succinct answers to all my questions, and clear communication on any requests to me. Frequent updates on status. Bare minimum requirements in terms of documentation or approvals.

    ...

  • author
    Timothy Torres-housel
    2 days ago
    I am beyond happy with my experience

    I am beyond happy with my experience. The customer service in the support department was top notch. The entire process was quicker than I had expected. I would definitely recommend.

    ...

  • author
    KW
    3 days ago
    So much better than applying for a loan the old fashioned way

    This was a pretty simple process. After a hiccup with accessing financial data, customer service tried to be helpful and ultimately resolved the issue. Turnaround time for funds dispersement was outstanding.

    ...

  • author
    Sally Davenport
    3 days ago
    This loan process was the easiest I…

    This loan process was the easiest I have ever gone through. Every person I made contact was helpful, courteous, polite, and answered all my questions. Thanks to all of you for making this process so easy.

    ...

  • author
    Benjamin Rennie
    Jun 16, 2021
    Process was quick and painless

    Process was quick and painless. Funding team was very thorough and kept expectations well in tact. Would absolutely recommend!

    ...

  • author
    Scott K
    Jun 15, 2021
    Loan process was quick and easy!!!

    Loan process was quick and easy!!!

    ...

  • author
    Grant
    Jun 15, 2021
    Simple and straightforward

    This was about the easiest loan process ever. Straightforward with no surprises. Definitely would recommend Figure for your loan needs.

    ...

  • author
    Hans Bange
    Jun 15, 2021
    Up to this moment I have been very…

    Up to this moment I have been very impressed with your customer service , anyone I have spoken with was knowledgeable and courteous , I do hope and expect that this trend will continue in the future. I have spoken to friends and former clients of mine and recommended Figure to service their needs when needed. One small issue, your long hold on phone calls, not diminishing your customer service just a small improvement maybe needed. Thank you

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  • author
    Richard Katz
    Jun 15, 2021
    Figure has been absolutely amazing

    Figure has been absolutely amazing . When I read they could fund your loan in as little as five days I didn’t believe it but they lived up to their advertising. The entire process was seamless from the initial application , confirming eligibility, linking bank accounts, and the e-notary process. When the funding process began the money was in my account that very day. Customer service, either via e-mail or phone , was always top notch and representatives understood the process. Especially considering the long , arduous process encountered with most lenders, Figure is heads and shoulders above the rest. Figure comes with my highest recommendation.

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  • author
    Mark Johnson
    Jun 14, 2021
    30 days of waiting and my app was…

    30 days of waiting and my app was voided. Need to re apply and wait another 30 days. Yeah not gonna happen. Waste of time amd energy

    ...

  • author
    Shawn Dickenson
    Jun 14, 2021
    Approved, but wait - we’re canceling due to no fault of your own

    I was Approved for a home equity loan the Friday before Memorial Day. Passed all the steps just waiting on funding. I call a little more than a week after signing all the documents to check the status of funding knowing that holidays delay financial transactions - I’m told the loan is funded they’re just are having trouble getting the funds transferred to our particular bank. Nothing I can do to help the process. A week later - after hours on a Saturday, I get an email from Mike W apologizing for the delay. They’re having trouble getting a 3rd party vendor to verify the condition of the home. They are working on it and as a thank you for my patience, be on the lookout for a link to receive a $50 Amazon Gift Card. 24 hours later, no email with an Amazon Gift Card. No, my loan is canceled due to inactivity for more than 2 weeks!

    ...

  • author
    Marc Straub
    Jun 14, 2021
    good company

    good company, good security, good rate Thank you Figure.

    ...

  • author
    Karen Blackwell Hawley
    Jun 12, 2021
    Excellent work!

    Excellent work!

    ...

  • author
    Corey Marion
    Jun 12, 2021
    Just days ago I was worried that I…

    Just days ago I was worried that I might not get the money I was looking for. I never thought I would get as much as I did this fast they truly are amazing. This is where I'll be coming to from now on.

    ...

  • author
    Lena
    Jun 12, 2021
    One of the best financial company I’ve…

    One of the best financial company I’ve worked with. Very helpful customer service when needed. I’m not the best at technology but they were so helpful talking me through the process. Very quick turnaround Highly recommend

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  • author
    Russell
    Jun 11, 2021
    Glad to have a platform to say…

    Glad to have a platform to say Thankyou. This was by far the easiest process I have been a part of. We had a few questions throughout the loan process and every time we called, whoever we spoke with was very pleasant and courteous. Thankyou for all your help and great attitude. I’m glad we took the time to check your organization out😁

    ...

  • author
    Keith Franks
    Jun 11, 2021
    Great experience

    Very Happy people that I dealt with which makes a difference in the overall experience. Great online application process. Overall great experience.

    ...

  • author
    Ricky Eyer
    Jun 11, 2021
    Staff is very professional and…

    Staff is very professional and courteous on the phone.

    ...

  • author
    Sylvia Williams
    Jun 11, 2021
    Great Service

    I would like to thank you for the assisting me through the process. Thank you

    ...

  • author
    Noel Heyden
    2 days ago
    Beware of incompetency

    Lol, I signed closing docs 9 days ago, they say they will void the loan in 5 days if they do not get their PCRA (drive by appraisal) completed. Its their responsibility to get their vendor to do the job. Loan was supposed to be funded days ago. Customer service is opaque and will not answer questions. If you want to waste your time, Figure. Update: They did indeed cancel on me for their own failure. Just see the canned response below shirking responsibility and blaming their own vendor. Hey guys you hired them so take responsibility. You could have easily fixed this by just leaving yourself an option in your contract with the vendor to hire someone else if they fail to reach a certain deadline. Looks like others are having this problem as well on the reviews.

    ...

  • author
    Andrew Szwejbka
    Jun 10, 2021
    Amazing customer support

    Amazing customer support! After attempting two other traditional cash out REFIs that were riddled with obstacles and delays, figure lived up to their promise of quick closing. Thank you.

    ...

  • author
    Prakash Amin
    Jun 10, 2021
    Honest

    It was great experience with Figure lending. Timely funded my loan and quickly. Thanks

    ...

  • author
    Robert Hardy
    Jun 10, 2021
    Needed a person loan to pay off some…

    Needed a person loan to pay off some debt this company save my life. If I need a loan in the future defently will use this company.

    ...

  • author
    Tracey Swenson
    Jun 10, 2021
    this was the easiest line of equity to…

    this was the easiest line of equity to take out it only took 6 days

    ...

  • author
    Angela
    Jun 09, 2021
    Super convenient!

    Super convenient! I recently applied for a home equity loan through Figure. The whole process was online and super easy. I had trouble connecting with the e-notary, and representatives from Figure reached out immediately to help walk me through some things that would help. I like that they have an app and communicate status throughout the process. I don't think it could have been any easier to apply for a home equity loan and get funding.

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  • author
    Christopher Keels
    Jun 08, 2021
    Great service!

    Great service!

    ...

  • author
    Rebecca Cook
    Jun 08, 2021
    This process was quick and people there…

    This process was quick and people there were extremely nice and helpful. Thank you for all your help.

    ...

  • author
    Gary Holloway
    Jun 04, 2021
    Fast and easy process

    Fast and easy process! Thanks!

    ...

  • author
    Extremely Satisfied Customer
    Jun 03, 2021
    Wow!

    Wow! As someone that works in the real estate industry, this process was superb. Simple, quick, and efficient. Customer support was always there to help and things were completed exactly as promised. Highly recommend!

    ...

  • author
    Ralph Reese
    Jun 03, 2021
    Amazing Loan Process

    Very fast and efficient ! Boom - it’s done . I have my loan and terms were great.

    ...

  • author
    Heather Dickson
    Jun 02, 2021
    Beware! Payments never go down!

    Yes, this is the fastest processing you’ve ever seen. But beware. This is not like any HELOC we have ever had. If you draw an amount you want as a line of credit and pay back -say- 80%, your payment never goes down. You can prepay 120k and they will still take their monthly draw. It is fully amortized like a 1st mortgage. Any additional draws, on now available credit, only make your monthly payment go up. Don’t get this! They want to seize you home when you can’t make a monthly payment and owe almost nothing.

    ...

  • author
    Dan Taliaferro
    Jun 01, 2021
    Figure was able to process and approve my second mortgage in record time

    Figure was able to process and approve my second mortgage in record time. Its employees were professional and efficient, yet remained courteous and personable at all times. I work as a prosecutor who investigates, and takes legal action against, corporations that mistreat consumers. If all corporations operated like Figure does, I would be unemployed. I highly recommend this company. Best regards, Dan W. Taliaferro

    ...

  • author
    D. Calbreath
    May 30, 2021
    Easy, no pressure, trustworthy

    We needed a quick loan. The process of getting it was pretty painless, setting up auto payments was seamless. I am a few years in to paying it off and the reports and reminders are minimal (which I far prefer) but secure and understandable. I have never at any point felt like I was being scammed or pressured into something I didn't want. If I need another loan later, I will go with Figure again.

    ...

  • author
    James Wyatt
    May 28, 2021
    Customer Focused and Fast!

    Very fast and secure application! Probably the best customer service I have ever had! I had a lot of questions and they were more than happy to answer.

    ...

  • author
    Stephanie
    May 28, 2021
    Simple

    the process was simple, easy, and convenient. I would consider doing all my financial loan through Figure.

    ...

  • author
    michael grinberg
    May 27, 2021
    Concept is fantastic… poor execution

    Concept is fantastic: computer model …. Etc …..Sadly too many gaps or intentionally setup to undervalue properties!!!! Figure uses 3rd party Valuation and deed updates. Very simple example…. In NJ market is on fire. Valuation I was presented was based on comps of roughly 2 years old. Operationally support member use words very loosely. For example number of times I was told “you have to own your property for 90 days.” In the real world ownership begins from the day you close and you are handed over the keys. In Figures language that actually means…. The town/county has to have your paper work for deed updated over 90 days ago. So for example if town/county is delayed due to covid figures will have till county/town has info updated for 90 days. But wait!!! It gets worse!!!! Even if it’s been 90 days, it won’t matter because as mentioned in the beginning, Figures uses third party at unknown frequency to get updates for ownership of properties. Very unfortunate that logistically it’s setup for failure. Fantastic concept need better execution!!!! T

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  • author
    Robert Schwetje
    May 26, 2021
    Excellent product and great company to…

    Excellent product and great company to work with!

    ...

  • author
    Theopolis Wood
    May 26, 2021
    It's ALL GOOD

    It's ALL GOOD. Really quick n easy.

    ...

  • author
    Harley Taylor
    May 25, 2021
    Figure is just what the people need

    Figure is just what the people need, a smooth online system of loan programs. great website and customer support. I have used them for several loans lately and the process is very quick and easy.

    ...

  • author
    Michael Olson
    May 25, 2021
    This was a very easy experience

    This was a very easy experience. I called both banks and the credit union that I do business with and figure was so much easier and loaned us way more money!

    ...

  • author
    Quint Gerteisen
    May 22, 2021
    Great customer service and good ARP…

    Great customer service and good ARP RATES.. ( paying off my high credit cards APR) I’m impressed so far ..

    ...

  • author
    dwf
    May 21, 2021
    Great service & turnaround !!

    Great service & turnaround by all of the staff involved. Seamless process.

    ...

  • author
    Allie
    May 20, 2021
    I wanted to really like Figure, maybe you will

    I wanted to really like Figure. I think automated systems are the future and really wanted to experience the ease of using it for my HELOC. Unfortunately, they only look at your adjusted income from your taxes. This means income from a rental property won’t be taken into account, only the profit from a rental (not total income). This makes it extremely difficult to get a loan when your adjusted income only appears to be your profit margin and not the fact that the rentals mortgage is completely covered by a renter. I imagine with less difficult requests, this lender could be stellar. But in my case they didn’t offer much help since they won’t manually review documents.

    ...

  • author
    JohnC
    May 20, 2021
    Lighting fast application process…

    Lighting fast application process requiring a fraction of the paperwork and friction that brick and mortar lenders require. Had an approval in like 10 minutes! Even though the electronic value assessment used for the subject property was very low, I’m extremely pleased with the service. Very innovative. Customer service folks were outstanding as well, wait times low and didn’t have to enter a ton of annoying prompts to speak with someone either. Nice service!

    ...

  • author
    Megan G
    May 19, 2021
    Quick and easy application process

    Quick and easy application process. I was waiting weeks to hear back from my bank on my HELOC application. Figure took 1 day for approval. THANK YOU!

    ...

  • author
    AC Seawell
    Jun 01, 2021
    Thieves!

    **Update June 1, 2021** As per Figure the payment was sent to Home Point and was applied to my loan 1 month and 2 days after the loan was transferred. Jerrod, Figure Supervisor, advised that they have no control over how Home Point applies payments and I would have to contact Home Point directly to resolve the posted payment date. Figure has taken no accountability for the mishandling and misappropriation of funds. I highly encourage anyone who is looking to refinance to stay clear of Figure! Figure accepted payment for my loan on April 2, 2021 then sold my Loan to Home Point and never sent the money to Home Point, and refuses to refund me the money directly. Was told on May 4, 2021 the funds would be sent to Home Point. To date, this has not happened. Figure Lending is withholding funds while I am accruing more interest than I should be with Home Point. Beware before you move forward with refinancing with Figure!

    ...

  • author
    Juliana E
    May 19, 2021
    The processing of documents and the…

    The processing of documents and the technology being used are great. Thank you for an excellent service. Juliana V. Erkins

    ...

  • author
    Tina
    May 18, 2021
    So incredibly easy and quick

    So incredibly easy and quick. All online. No incessant phone calls and spam.

    ...

  • author
    Cindy Munafo
    May 18, 2021
    This company is amazing

    This company is amazing. Great communication and timely replies. My own bank wasn't helpful at all. Figure.com did everything my bank refused to do for us. My husband and I couldn't be happier. Thank you Figure.com!!!

    ...

  • author
    Susan
    May 18, 2021
    After struggling with another bank for…

    After struggling with another bank for months I turned to figure, I was thrilled that the loan was approved and I received the money in a week, very professional and easy to work with.

    ...

  • author
    Rustylakewood
    May 18, 2021
    Quick and easy

    I applied for a home equity loan after receiving an offer in the mail. Easiest process ever-total time from application to funds in my account was 10 days. Rates were competitive and everything was done online. My county required an in person signing with a notary and Figure set that up for me very quickly, I mean within a day! I had never heard of figure but am very impressed by them now!

    ...

  • author
    Ava
    May 18, 2021
    Fast

    Fast, easy great staff and overall the best loan company I've worked with.

    ...

  • author
    Cirilo reyes
    May 17, 2021
    Super super easy, great rates and extremely streamlined

    Figure has made it so easy to do a heloc, the process couldn't be easier, it was so streamlined it was crazy, I had to submit just a few pieces of ID and that was about it, couldn't thank them enough for helping me out in paying off some bills

    ...

  • author
    M
    May 15, 2021
    Quick painless easy process & they…

    Quick painless easy process & they answered all of my questions. Excellent service!!!

    ...

  • author
    Emery Metzler
    May 14, 2021
    I would just like to say that this was…

    I would just like to say that this was the easiest process I've even dealt with. From the day we first applied to the funds being available was only 7 days. The payment is exactly what they said it was going to be. If I even need a loan in the future, this is where I will go. Cannot recommend Figure enough.

    ...

  • author
    Abdulilah Alhaj
    May 13, 2021
    Fast approval and professional service…

    Fast approval and professional service All the application processes was online Money was deposited to my bank as they told me at the beginning Beyond expectations service I really recommend everyone that need help with finances to use figure lending Thank you

    ...

  • author
    Toby
    May 12, 2021
    Very quick process and no hassle with…

    Very quick process and no hassle with appraisal at all. Everything done via online. Plus, they are working 7 days a week so there is a ton of time available for either a quick chat or a call. Employees are pleasant and helpful.

    ...

  • author
    Christopher B
    May 11, 2021
    Fantastic Service

    If you don’t mind paying a little for great service, this is the best loan experience I have ever had. The technology makes the loan application, verifications and signing super quick and easy. I wish all my loans could be this effortless. I’m a very satisfied customer.

    ...

  • author
    Robert Smith
    May 09, 2021
    Thoroughly impressed

    Thoroughly impressed. I was considering a HELOC and had received a mailer from Figure. I decided to include them as a financial institution to consider. After discussing the terms with other banks/lenders, I decided to apply with Figure to see what they could offer. I was surprised how easy and detailed the entire process was. And amazed how everything could be done online in a short period of time. Including identity verification and income verification. Honestly didn't know this possible. I was able to get a great rate on a $35K HELOC for debt consolidation, and complete the entire process in a couple of hours on a Saturday afternoon. I know this sounds like a fake testimonial, but it's legit. I'm impressed and would recommend Figure to a friend or family member.

    ...

  • author
    Michael Marr
    May 08, 2021
    What an absolute horrible platform

    What an absolute horrible platform. They state they figure income off 1 checking account, so if you're married and have separate accounts you're screwed there. Here's the worst part though....after you get past their identity screen there's no button to move you forward. None, so you're stuck. Also, I asked if I could email in our retirement savings. Nope, you can't do that either. I tried speaking with customer service and here's what they said "In order to build a fully automated system we require levels of security that does not work with anybody". Their platform was built by monkees.

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  • author
    SH
    May 08, 2021
    Excellent!

    Great job! It was a very easy process. I was surprised at how quickly it was funded. I highly recommend FIGURE!

    ...

  • author
    Herman
    May 08, 2021
    great job thanks

    great job thanks

    ...

  • author
    Ivan Sanchez
    May 08, 2021
    Quick process

    Quick process. Took me couple of days and the money was in my account. And the best thing everything was done thru my phone.

    ...

  • author
    JCB-Livermore CA
    May 08, 2021
    Good to work with.

    Purely online process. Did make me a little uneasy at first as you have to give authorization to your accounts. Once notary was done and the waiting period for you to rescind is over, it was funded the next day. I did appreciate the live support via phone and if using the chat, they email you with a synopsis of the conversation. I called after using the chat and actually talked to the same person I chatted with. That was very nice to know they staff the chat and support from within. So far, I'm very satisfied with Figure and would recommend them to a friend:)

    ...

  • author
    David King
    May 07, 2021
    Courteous

    Courteous, professional & efficient customer service. The entire process was seamless.

    ...

  • author
    Terry Goodson
    May 07, 2021
    Professional Service

    Quick and easy process. Great customer service

    ...

  • author
    Jules
    May 06, 2021
    EXCELLENT customer service

    EXCELLENT customer service. Everyone is very prompt in responding to your questions. They don’t rush you. They make sure you understand everything. Every single person I interacted with from start to finish were truly amazing, kind, and courteous people. I highly recommend Figure.

    ...

  • author
    Dan
    May 06, 2021
    Simple and easy process

    Simple and easy process. Decent rates.

    ...

  • author
    Sheryl R
    May 06, 2021
    Feeling thankful and blessed

    Figure is helping my family to meet our financial goals. The application process was seamless, precise and super simple. Everyone I worked with was helpful and and have no idea how much of a blessing they have been to my family and I. All I can say is to God be all the glory and Thank you Figure.

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  • author
    Jacqueline R
    May 05, 2021
    I must say

    I must say, Figure really helped me out when I needed them. I needed to get repairs done to my house, property taxes paid, and they took all the pressure off of me. They approved me for a loan in a few days, money was in my account. I will be recommending them to my family and friends. Thanks again Figure!!!

    ...

  • author
    Anthony B
    May 05, 2021
    This was the most seamless process I…

    This was the most seamless process I have ever experienced through online lending. Decision and funding within days. Great support staff walked me through to the end. I will never go anywhere else. Figure is the place.

    ...

  • author
    H.S.
    May 03, 2021
    Easiest, most favorable online loan process I've ever experienced!

    The loan process with Figure was seamless, guys. Seamless! From the very first pre-qualification review, to the application process and submittal of required information, this was by far the easiest loan I've ever applied for. The approval process was quick, easy and everyone I dealt with was really nice. They seemed happy to be doing their jobs which came through in their emails and also on the video call. I'm pleased with Figure's platform, use of technology and quick approval process. The loan terms are favorable given and I couldn't be happier with the process. Please give Figure a shot, you won't be disappointed!

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  • author
    Jerome
    May 01, 2021
    This has been the best real estate…

    This has been the best real estate financial process I have ever experienced! Fast and straight to the point. Prior to this, I was pursuing a cash out refinance with multiple institutions but it never went through due to the exorbitant scrutiny of my financial well-being. Figure was able to streamline the process and I was funded within a matter of days! I'll NEVER seek another company to finance my real estate endeavors! Figure is the BEST out there!

    ...

  • author
    Pat Zabala
    Apr 30, 2021
    Legit company, A+

    What can I say, I applied for a HELOC loan, got approved and funded in less than a week! The process was straightforward and simple to follow. Once I logged in to their web app it is so easy to navigate and the task list is helpful. All of the documents can be viewed in the website, statements, disclosures etc. Making a payment is easy too. The customer service is superb, I get a quick response from the chat window with a real person. Overall I recommend their service if you want fast funding! They are LEGIT!

    ...

  • author
    Lisa Shaw
    Apr 30, 2021
    My experience was quick friendly and…

    My experience was quick friendly and very easy. This is a great aspect, especially since I am not computer savvy. I would definitely recommend you to my friends and family if they should have the need.

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  • author
    Kim T
    Apr 29, 2021
    Can't say enough good things about the…

    Can't say enough good things about the Figure employees and program. This was the most efficient and easy financial transaction Ive ever done.

    ...

  • author
    Michael
    Apr 28, 2021
    Very quick and easy

    Very quick and easy! Thx!

    ...

  • author
    Nicole
    Apr 28, 2021
    Quick

    Quick, easy application and approval process. We would use them again

    ...

  • author
    Maryann Hromy
    Apr 28, 2021
    Excellent Experience

    My experience with Figure was exceptional. Taylor C helped me so much with my application. He was professional and courteous. I was very satisfied with the experience and would recommend Figure to others.

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  • author
    Joseph Parise
    Apr 27, 2021
    Figure made the home equity loan…

    Figure made the home equity loan extremely easy. I have never had as good of an experience with any other financial institutions. I would recommend Figure in a heartbeat!

    ...

  • author
    Jennifer Mora
    Apr 27, 2021
    Simple

    Simple, clear process. Answered questions promptly and accurately.

    ...

  • author
    Junellen
    Apr 27, 2021
    Application process was quick and easy

    Application process was quick and easy, rates are competitive and customer service impeccable. I feel very secure in their online seamless processing. I did have a problem with scheduling of the notary appointment however that in no way reflects back to Figure. They in fact resolved the issue immediately. Processing time was unbelievably fast.

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  • author
    Bernadette O
    Apr 24, 2021
    Excellent experience start to finish

    Excellent experience start to finish. Very efficient, very professional, and funds were made available with no delays. We would not hesitate to re-use or recommend to family and friends.

    ...

  • author
    Frank Hernandez Munoz
    Apr 24, 2021
    Spectrum Center

    Spectrum Center

    ...

  • author
    Charles S.
    Apr 23, 2021
    All I can say is wow!

    All I can say is wow!! 5 days from approval to cash in bank. Two key things to remember-take a real picture of your ID and email to yourself, scans do not work, even if converted. As soon as you get approval (no more than 5 minutes after application completed, call the number on dashboard and get E-notary completed. This is a 100% automated process and if you are trying to do it through mail this is not the company. The rate was exact rate my credit union offered and would have taken 3-4 weeks to complete process. The customer service was beyond reproach. Great job!

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  • author
    Robert Parfet
    Apr 23, 2021
    We saw the ad when I checked my credit…

    We saw the ad when I checked my credit rating, so since we had quite a lot of credit card debt, decided to see if we qualified. A few days later we decided to apply, which took very little time. Some computer/iPad knowledge helped, but 4 days later we had money in our bank account! Just remarkable when can be done from your own living room. The few times I had questions, I used the chat feature and waited no longer than 60 seconds to get a response. I recommend this service to anyone who needs some $ assistance.

    ...

  • author
    Ken Forsythe
    Apr 23, 2021
    made it easy very good with info and…

    made it easy very good with info and communication! thats the key. I am new computer user and it was easy for me. thank you Figure$$$

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  • author
    Azroach
    Apr 23, 2021
    Easy and clear process

    Easy and clear process. I will highly recommend Figure as a solution to your financial needs.

    ...

  • author
    Josette Bowles
    Apr 23, 2021
    Wave of the future is grand.

    Figure made this process sooo easy compared to the old way of doing business. Online is the best way and not as cumbersome as the old way (which usually took 30 days and 50+ sheets of paper). Thanks again to the most helpful staff at Figure.

    ...

  • author
    Dave
    Apr 23, 2021
    Relatively simple

    Relatively simple, straightforward process. All documents are easily accessible.

    ...

  • author
    Magat, C
    Apr 23, 2021
    Received my funds within 5 working days…

    Received my funds within 5 working days just like the company promised. No hassle, very smooth transition.

    ...

  • author
    Ronald Ridge
    Apr 22, 2021
    Thank you for accepting and approving…

    Thank you for accepting and approving my loan application. The process was efficient, and was clear as to what documents were needed. You patiently allowed time for the those items to be sent, received, and processed. Once everything was approved, and notarized, the funds were deposited into my account, all was done on line, awesome!!! Can't thank you all enough 🙏 I have financial security now, and can move forward in this journey to live a comfortable, peaceful, stressless life. Thank, and God bless you and as you have blessed me, Peace

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  • author
    Susan
    Apr 20, 2021
    I was stunned at how fast I had the…

    I was stunned at how fast I had the funds in my bank account and at how efficient and easy the process is. The help line was there through the process to answer any questions and assist when necessary. They were knowledgeable, polite and answered the phone promptly every time I called, I strongly recommend this company!

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  • author
    Marcelline Zilske
    Apr 20, 2021
    Very fast and easy

    Very fast and easy no problems at all,very friendly customer service people.

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  • author
    BooBoo McBee
    Apr 20, 2021
    Easy process to get the loan (low…

    Easy process to get the loan (low pressure, too). And the payment scheduling and setting up auto-pay were easy. And the reports are clear and straightforward. I hope to not need a loan again, but if I did, I wouldn't hesitate to call Figure.

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  • author
    Thomas
    Apr 18, 2021
    Quck and seamless process

    Quck and seamless process. 6days from start to finish - Highly recommend Figure HELOC

    ...

  • author
    J.W.
    Apr 18, 2021
    These folks have this down

    These folks have this down! It was such a streamlined, quick, no agony process. And lady I interviewed with was so pleasant! Great operation

    ...

  • author
    polly james
    Apr 17, 2021
    We recently got a HELOC with Figure

    We recently got a HELOC with Figure. The process required a lot less documentation and effort in our part than other loans I have had over the years and moved much faster than other HELOCs are currently moving (about two weeks for us because they couldn’t get our deed online and we live in a county that requires in-person notary). The rate is also higher than others, but is better than credit cards and has no prepayment penalties. They are very quick to respond by chat and reasonably fast by phone if you have questions.

    ...

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