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Discover Credit Cards Review

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Reviews 147

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Katy Ward
Katy Ward
May. 03, 20214 min read

Discover it® Cash Back summary

Offering credit cards in the US since 1986, Discover provides an extensive range of products through the Discover it® brand. As well as allowing you to earn rewards, its products can help you pay down existing debt and rebuild damaged credit. In addition to offering 24/7 customer service, the lender allows customers to earn up to 5% cashback and offers incentives for sports fans and regular travelers.

Pros

  • No annual fees
  • 24/7 customer service
  • Up to 5% cashback

Cons

  • Cashback earning is capped at $1,000-$1,500 per quarter

Discover it® Cash Back Discover it® Cash Back Apply Now

Overview

Headquartered in Illinois, Discover is one of the most well-established credit card brands in the US, with its products allowing customers to earn rewards, build credit, and reduce interest on existing debts. The lender was ranked #1 for brand loyalty in the credit card category of the Customer Loyalty Engagement Index in 2021 and named in 2020’s Investor Business’s Most Trusted Financial Companies list.

In addition to conventional credit card services, it offers several attractive features to help you manage your finances. If you’re concerned about identity theft, for example, Discover will provide you with free access to your FICO credit score on your monthly statements, mobile or online.

Suitable for?

As Discover offers a wide range of products, the most suitable card for you will depend on your borrowing needs. Here are some of the most popular products and the type of customers they could suit.

Discover it® Miles: allowing you to earn to 1.5 miles for every dollar of spending, this card could be an excellent choice for frequent flyers

Discover it® Chrome®: paying 2% cashback on spending at gas stations and restaurants, this card is a strong match for borrowers with a busy social life

Discover it® Cash Back: offering 5% cashback on selected purchases, this card could be attractive for those keen to earn rewards on their spending

Discover it® Student Cash Back: with 5% cashback on selected purchases, this card could be an ideal choice for borrowers looking to earn rewards while studying

Discover it® Student Chrome: offering the chance to earn rewards and build credit, this card could be suitable for students seeking to create a strong financial foundation 

Discover it® Secured: designed to help build credit, this product is specifically tailored toward those looking to repair damaged credit

Discover it® Balance Transfer: waiving interest for 18 months when you transfer an existing debt, this product could be attractive to borrowers looking to get on top of their finances

Whichever card you choose, the lender could also be an excellent solution for tech-savvy customers, with its app allowing you to manage your finances on the go.

Interest Rates and Fees

If you sign up for a Discover Card, you won’t pay an annual fee, but the following interest rates and fees will apply.

ProductInterest rateFees

Discover it® Miles

Discover it® Chrome 

Discover it® Cash Back

NHL® Discover it®

0% introductory APR for 14 months on purchases and balance transfers, then 11.99%-22.99%*

Cash advances: 24.99% *
Balance transfer: 3% of the amount you transfer before Sunday, April 10 2022, then 5%

Cash advances: $10 or 5% of amount borrowed 

No late payment fee after first missed payment, then $40

Returned payment: up to $40


Discover it® Student Cash Back

Discover it® Student Chrome

0% introductory APR on purchases for 6 months and 10.99% on balance transfers, then: 

12.99%-21.99% *

Cash advances: 24.99% *


Balance transfer: 3% of the amount you transfer before Sunday, April 10 2022, then 5% 

Cash advances: $10 or 5% of amount borrowed 

No late payment fee after first missed payment, then $40

Returned payment: up to $40

Discover it® Secured

22.9% on purchases *

10.99% on balance transfers for 6 months, then 22.9% *

Cash advances: 24.99% *

Balance transfer: 3% of the amount you transfer before Sunday, April 10 2022, then 5% 

Cash advances: $10 or 5% of amount borrowed 

No late payment fee after first missed payment then $40

Returned payment: up to $40

Discover it® Balance Transfer

0% introductory APR for 6 months on purchases, then 11.99%-22.99%*

0% introductory APR for 18 months on balance transfers before Sunday, 10 April, then 11.99%-22.99%,* 

Cash advances: 24.99%*

Balance transfer: 3% of the amount you transfer before Sunday, April 10 2022, then 5% 

Cash advances: $10 or 5% of amount borrowed 

No late payment fee after first missed payment then $40

Returned payment: up to $40

* APR will vary with the market and is based on the Prime Rate (the interest rate banks charge their most creditworthy borrowers)

Rewards & Cashback

The Cash Back, Student Cash Back, and Chrome cards pay 5% on purchases from retailers such as Amazon, grocery shops, and gas stations, as well as any spending through PayPal. You can earn up to a maximum of $1500 per quarter. 

With the Student Chrome, Secured, and Chrome cards, you earn 2% cash back on up to $1000 of purchases made in gas stations and restaurants, including cafés, takeaway, and deliveries. 

If you’re a hockey fan, the NHL® Discover it® card offers rewards such as 5% discounts at grocery stores and on gym memberships. You can earn up to a maximum of $1500 per quarter.

With each of these cards, you’ll also earn up to 1% cashback on all other purchases.

Aimed toward regular travelers, the Discover it® Miles card pays 1.5 miles for every dollar of spending, which can then be redeemed for cash or as a credit towards your next travel purchase. 

Whichever card you choose, Discover’s 2x Match service will also pay an unlimited dollar-for-dollar match on all cashback you earn during the first year.

Participating retailers offering cashback at enhanced rates alternate on a quarterly basis, so you should check Discover’s website for up-to-date offers.

The Application Process

You can apply for a Discover card online or over the phone if you meet the following requirements:

  • Are at least 18 years old
  • Have a US address
  • Have a Social Security number
  • Can show proof of college enrollment (if applying for a student card)

Before you apply, you can check whether you would be pre-approved by entering details such as your name, address, total gross annual income, and Social Security number into the lender’s online tool. You’ll then see the APR and offers you could potentially qualify for.

If you’re applying for the Secured Card, you’ll need to provide a refundable security deposit when you apply. The amount of this deposit will become your credit limit.

Discover doesn’t have a minimum score requirement as it will review your credit score as part of your overall financial situation. However, you’re likely to need a good or excellent score if you’re applying for a high-paying rewards card.

In most cases, you’ll receive an instant decision on your application, although this could take longer if the lender needs to verify any of the information in your application.

Once your card has arrived, you can activate it online or by contacting Discover’s customer services.

Help & Support

You can contact Discover’s US-based agents through online chat or over the phone, with its telephone service being available in both English and Spanish.

When we contacted the company over online chat, we received an extremely polite and helpful response in under 5 minutes.

Phone hours: 24/7

Online chat: 24/7

Security 

Discover has numerous cybersecurity measures to protect your money and your data, which include the following:

  • 128-bit Secure Socket Layer to encode personal data 
  • Multiple firewalls
  • Real-time alerts through active system monitoring

The lender’s $0 Fraud Guarantee will also ensure that you never lose out financially if there are any unauthorized transactions on your account.

In one particularly attractive feature, you can subscribe to receive free alerts if your Social Security number is found on any of the Dark Web sites Discover monitors daily. 

The lender will also allow you to freeze your account if you temporarily misplace your card. 

FAQ

Can I choose the design of my card?

Yes, you can choose from a selection of card designs via your online account for no additional cost. If you’re applying for an NHL® Discover it® card, you can also choose a design that is themed around any of the 31 NHL teams.

Does Discover have an app?

Yes, you can download Discover’s app via the App Store or Google Play. Its features allow you to redeem rewards, set alerts, and view your FICO score.

Can I withdraw cash with my Discover card?

Yes. To set up your card for this service, you’ll need to call customer services to receive a PIN. Alternatively, you can present your card and a photo ID at a bank or credit union to get cash.

Conclusion

If you’re planning on taking out a new credit card, there is a strong chance that Discover will have a product to suit you. We were particularly impressed by its generous cashback offers of up to 5% and the 18-month interest-free period on the Discover it®: Balance Transfer, which will allow you to avoid interest on existing debt. As well as providing 24/7 customer service, the lender offers an impressive array of bank-level security features such as its $0 fraud guarantee scheme.

Discover it® Cash Back Discover it® Cash Back Apply Now

Methodology

This review was compiled using the information on Discover’s website and by contacting its agents through online chat. 


Katy Ward
Written byKaty Ward

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    Laura
    2 days ago
    Great experience with Figure

    I was on the fence about doing a home equity line of credit to pay off higher interest credit cards. I received in the mail a postcard for Figure with an invitation of pre-approval. I looked at reviews online and saw they were good. I decided to go for it, and it was an extremely simple and fast process! In less than a week the funds were in my account with a good rate. Now it will be easier to pay down the debt instead of managing multiple cards and rates. Very good experience with Figure. The whole online notary process took about 3 minutes. Very easy for people who work and don't have time to go to notary.

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  • author
    K. Rowe
    17 hours ago
    i applied for a heloc ..was…

    i applied for a heloc ..was prequalified then was approved and was told i was waiting for final docs and notary..only to get denied because of identity verification!! i gave them everything they asked gave my accounts to plaid sent in a copy of id and bank statement ...how is it possible i cant be verified my credit score is 801 fico 9 and i own a 900,000 property out right with no morg!!!! smh i actually turned down offers based on them telling me i was good!! then jillian the supervisor gets a attitude with me for just trying to get a resolve. my level of frustration is thru the roof!!! i was really excited to work with them only to disrespected and denied.

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  • author
    William Sanders
    2 days ago
    I was facing huge medical Bill's this…

    I was facing huge medical Bill's this year. I needed money fast to keep from going broke. Figure was very easy to use and was very fast in the process to get me the money I needed.

    ...

  • author
    Kenneth Leinweber
    2 days ago
    Not sure how to see my balance on my…

    Not sure how to see my balance on my account

    ...

  • author
    Janel
    3 days ago
    Figure has been fantastic

    Figure has been fantastic. Easy, fast and great rates. Considering, mortgage rates have gone up so fast, this was a great option at keeping my low interest rate on my mortgage and still able to access my home equity for home improvements. I am a mortgage loan officer for the last 30 years. I know this market. I refer all my clients to Figure for a fast and easy HELOC. Thanks!

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  • author
    Jerry
    May 15, 2022
    This experience was outstanding

    This experience was outstanding. So easy to accomplish what we were looking for. I highly recommend them for your financial needs. Thank you.

    ...

  • author
    Dora Gladhart
    May 14, 2022
    This whole process was easy and…

    This whole process was easy and efficient. It was completed in one week from application to funding. I would highly recommend this service to anyone.

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  • author
    Rick Denison
    May 14, 2022
    Logical and Simple

    Fair, fast, and friendly. The process was logical and very simple. Highly recommend.

    ...

  • author
    Jovan Robinson
    May 14, 2022
    Very streamline process

    Very streamline process, and the representatives for this company are very responsive and professional. There funding is supper fast as promised !!!

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  • author
    Dan Ernst
    May 13, 2022
    Incredibly easy process

    Incredibly easy process. I’ve bought several homes. I’ve had several HELOCs. I’ve never experienced an easier nor straightforward process. I highly recommend Figure to anyone seeking a loan. You will not be disappointed!

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  • author
    dev lal
    May 13, 2022
    Great experience...

    Great experience.... fast and easy

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  • author
    Robert Stebbing
    May 13, 2022
    Is there a possibility I would I would give it 10 stars

    Is there a possibility I would do 10 stars, the entire staff was so helpful help me through the process on the computer it was an incredible experience I had to say, so much nicer than slipping my way down to the bank and filling out nonstop paperwork for days at a time I am truly amazed at your service thank you so much. By the way even to the notary over the computer was amazingly easy and very nice man thank you

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  • author
    Todd Arnold
    May 13, 2022
    Great so far

    Great so far! Just received the funds so hopefully the great experience continues.

    ...

  • author
    Tony
    May 13, 2022
    HELOC

    We got a HELOC through Figure. It was really easy…like a ridiculous easy process. The user interface was simple, easy to sync bank account and I was able to connect instantly with customer service via chat every time I had a question. The e-notary took less than 5 minutes. The whole process literally took minutes as advertised.

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  • author
    Mohamad Harajli
    May 12, 2022
    Great people to deal with

    Great people to deal with , no being on hold for hours I love it

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  • author
    Andrew Kache
    May 12, 2022
    I am completely happy with all my…

    I am completely happy with all my dealings with FIGURE! I like it when Figure notifies me about a pending auto payment and how Figure notifies me when a payment has been successfully made. I chose to have my payments made on the 5th of each month and that is working great for me. The process of applying for the loan was better than all other loan companies.

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  • author
    Michael Johnson
    May 12, 2022
    Easiest process I’ve ever been through…

    Easiest process I’ve ever been through and any questions I had along the way I got almost immediate responses to! Would 10/10 recommend this company to anyone I know! From the time the notary was signed until the money was in my account was 3 business days! Can’t beat that.

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  • author
    Frank Lee
    May 12, 2022
    I applied for a home equity loan and…

    I applied for a home equity loan and was declined because they said my LTV was 112%. It automatically lumped in 2 rental properties as being tied to my primary residence. I was not given a chance to explain my actual LTV is only 50% and the other properties are not tied to my primary residence. I was simply declined. I tried calling customer service , who was absolutely no help and suggested I reapply, to which I politely declined. She said they are only set up to do simple loans and because I own other property they can’t handle it.

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  • author
    Maribeth
    May 11, 2022
    Kaylee and her team were exemplary!

    Kaylee and her team were exemplary in their performance on processing my loan! From my first call with Darius on Saturday, then to Cole on Sunday, Demetrius and Cameron on Monday, they kept with me through the entire process. They were competent, professional and patient. Cole and Demetrius personally followed up with several phone calls while we worked the process. As it turns out, one of the files I submitted was in a format which was unreadable and although it took time to discover the problem, it was finally Kaylee who "cracked the code" and figured out how to solve the problem. Once she discovered my error, the loan was approved and sent to notary within minutes! I am very impressed with Figure and the team of individuals who worked together to finish my loan. I will recommend Figure in the future!

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  • author
    Carolyn G
    May 11, 2022
    This was the easiest process I have…

    This was the easiest process I have ever gone through. I could use the slide on the website to see how I wanted to create my HELOC. When we got to the Notary part & we DID IT OVER CAMERA!!!!!! GO FIGURE!!!

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  • author
    Jenifer
    May 11, 2022
    I took out a HELOC loan

    I took out a HELOC loan. The process was simple and easy. Figure had the best rates and length of time to repay. So far, no concerns.

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  • author
    Tricia Ziglar
    May 09, 2022
    Easy and Fast

    The process was very easy and incredibly fast. Chat customer service was very helpful. Would definitely recommend it!

    ...

  • author
    Beverly Massey
    May 06, 2022
    Great Customer service

    Great Customer service, informative, timely responses and efficient.

    ...

  • author
    Daniel Rouleau
    May 06, 2022
    This had to be one of the easiest and…

    This had to be one of the easiest and fastest loans I've ever Applied for in my life. Applied Wednesday, by next Thursday I had my money. Totally awesome. Thank you figure.

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  • author
    Joel Carrera
    May 05, 2022
    So simple

    So simple! Fast and easy!

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  • author
    Bethany Webb
    May 05, 2022
    Easy

    Easy, minimal time, mostly online processing. Appreciated how they didn't waste a lot of time.

    ...

  • author
    Gregory Aiken
    May 05, 2022
    terrible service

    terrible service. I have tried, unsuccessfully, to access my account. I used to be able to using the 'magic link' but for some reason that's the only email I don't receive. I have asked MULTIPLE times to remove the 2 factor verification so I can access my account and it still has not been done. I would not recommend your service again and I certainly will never use it again once I've finished paying it off.

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  • author
    Jean Mathieu
    May 04, 2022
    Figure is the best I encourage everyone to try it is good

    It's not the first time I take a loan for,but fugue is imaginable the rate is very low and it make me save much more money ,I encourage everyone to try figure loan.

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  • author
    Michael
    May 04, 2022
    Figure was very helpful from start to…

    Figure was very helpful from start to finish. The process was much quicker than I expected and there was never a lack of communication. I would highly recommend Figure.

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  • author
    KENNETH M.
    May 03, 2022
    Very professional company to do business with

    Very simple process and the customer service is excellent.

    ...

  • author
    The Dex
    May 03, 2022
    very effective, streamlined & efficient.

    very effective, streamlined & efficient.

    ...

  • author
    Jose A. Salazar
    May 01, 2022
    Excellent Service and reasonable rates…

    Excellent Service and reasonable rates and payments

    ...

  • author
    simay öztürk
    Apr 30, 2022
    This company has great customer service…

    This company has great customer service and processes! It is unbelievable how the whole process took us 3 days and got our heloc fund in 1 day after closing. Amazing company!!!

    ...

  • author
    customer
    Apr 30, 2022
    I really appreciate it

    I really appreciate it, this is what middle class really needs, thanks again for the opportunity to work with you, God bless!This will really help me and my family!

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  • author
    Laurette Mendez
    Apr 28, 2022
    Wow don’t ever be late!!!

    I was late 7 days. I have never been late with a payment and never will again! I got no less than 5 calls. Please note that I informed Figure that I would be a few days late, and what the situation was.

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  • author
    Raiford Flowers
    Apr 28, 2022
    This was 1 of the simplest loans I have…

    This was 1 of the simplest loans I have ever gotten. All done on my iPhone with no problems. I think I got a great interest rate and the fee was less than a few of my smaller loans from of lenders charge me. I would recommend Figure to everyone I know. Thanks guys

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  • author
    Susie Snow
    Apr 28, 2022
    I’m very pleased to be a customer

    Every time I call in I got delightful results. Each person to whom I spoke was knowledgeable, friendly, and professional. The only thing I didn’t like was how long it took before I spoke to a real person. Everything else has been terrific. I’m very pleased to be a customer

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  • author
    Jc Moots
    Apr 27, 2022
    What a hassle free experience without…

    What a hassle free experience without having to leave your home. Detailed information is shared digitally and easy to read through. Would definitely recommend to all friends and family!!

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  • author
    Cynthia Iverson
    Apr 26, 2022
    The whole process was easy

    The whole process was easy. There was no paperwork, just uploading. The notary was online, too. A great way for HELOC loans.

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  • author
    CF
    Apr 26, 2022
    Very professional and fast service.

    Very professional and fast service. We did not expect to complete the process in such a speedy manner and great follow up.

    ...

  • author
    Stephen Friedenthal
    Apr 30, 2022
    Super Easy. Super Fast. Super Nice

    I am thoroughly impressed by Figure. We found ourselves urgently needing a home equity line of credit for some home repairs and I am still blow away by the speed and ease of the Figure loan process. I think it was about 1 week from when I logged into the website until we received funding and every step was clearly explained and super easy. I first logged into Figure on Friday afternoon and after a few quick clicks I was approved. I was particularly impressed with their customer service reps . The day after applying (Saturday) Figure reached out to me to get an updated copy of my driver's license and then again when there was a question about the property's legal description. But after a quick phone call they were able to find the information they needed with no stress. We had a notary scheduled to sign papers the following Tuesday and after the state-mandated 3 day waiting period the funds were transferred to my checking account the following Monday. I have refinanced several times and take out home equity loans in the past and this was without a doubt the fastest and easiest process I have ever experienced.

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  • author
    Joe
    Apr 26, 2022
    It really was 5 days

    It really was 5 days. Couldn’t believe it. $243,000. Easiest loan process I have ever experienced.

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  • author
    jennifer messer
    Apr 26, 2022
    Very easy process

    Very easy process! Was very fast and simple! All agents we well trained and very knowledgeable! Thank you Figure, you helped me when no one else would!

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  • author
    ryan
    May 10, 2022
    I don't know what everyone is ranting…

    I don't know what everyone is ranting about. I applied for a home equity loan and all the numbers were completely off from their automated robotic systems. I called in and they said they'll have someone call me. Waited a day, called back, said "yea, you should be 3rd in line so look for a call hopefully today. " Nothing. Total waste of time just happy it was a soft pull. Lot of hype, no results. UPDATE (weeks later): customer service finally admitted the algorithm was way off but they have no control over it and cannot override or fix anything. Blatant negligence and those "loan officers" working there have no control over anything. said I should reapply - that's all they had. lol. Sad.

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  • author
    Victoria B
    Apr 23, 2022
    Excellent service and experience

    We are really pleased with our experience with Figure in getting a home equity loan. They made the whole experience so much less intimidating than when we went to our bank, and they were able to use our bank records to verify income, which simplified our paperwork and moved things along quickly. They didn't discriminate on my being self-employed, another problem we had previously experienced with many types of credit and mortgages through banks. I was able to confirm before we ever applied that Figure is legitimately in business, and the interest rate we got is great. All of the customer service agents were cordial and competent, and everyone who answered our calls was able to quickly get up to speed on our current status, which was great since it meant we didn't have to wait for one particular person to get back to us. Their computer system is really well designed and supported the transaction with timely notifications and reminders, with all documents easily viewable and an easy signature process. We consolidated our debt on very good terms. We have no regrets at all, and they are just as friendly and helpful on all levels now that we're making payments. Definitely can reccomend!

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  • author
    Nadine
    Apr 23, 2022
    Fantastic experience from start to…

    Fantastic experience from start to finish…. Which was extremely quick…. From application to approval was a matter of a few hours..,, started on Monday and has our funds deposited into our account by Friday afternoon! All staff was polite and knowable. Great job!

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  • author
    Chrissy
    Apr 22, 2022
    Great company Awesome Service

    I started the application last night. This morning I finished uploading what I needed to and called in to make sure I did everything correctly. I spoke with Darius, who was nothing short of amazing. He was polite and very professional taking the time to answer all of my questions. While reviewing my application he noticed that there was a delay because I am the sole owner of my home but the records showed that both my husband and I were on the deed. My husband passed away from brain cancer in 2019 so he instructed me to email him the death certificate. Within minutes of sending him the document, he uploaded it and within an hour Figure was able to process the application and take it to the next step. Honestly, this was the smoothest and easiest financial transaction I have ever dealt with. And I have dealt with a lot after the passing of my husband. My home equity line of credit was approved shortly after I completed the eNotary. In less than 24 hours I was able to tap into my home’s equity and should receive the funds by next week. I would recommend Figure to anyone, they really are great!

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  • author
    ANTHONY
    Apr 21, 2022
    THIS WAS THE BEST EXPERIENCE

    THIS WAS THE BEST EXPERIENCE I HAVE EVER HAD IN LENDING VERY PROFESSIONAL ALWAYS HAD THE ANSWERS TO MY QUESTIONS. I WAS NEVER PUT ON HOLD. IT WAS QUICK AND EFFICIENT. I WILL NOT HESITATE TO RECOMMEND FACTOR TO FAMILY OR FRIEND.

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  • author
    Melissa Skinner
    Apr 21, 2022
    Easiest process ever...

    Easiest process I have ever been through in my life. I cannot even believe I already have the funds in my account. Thank you Figure for helping me out, my household flooding disaster will now get fixed properly since insurance always short changes us.

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  • author
    Jennifer Jorgensen
    Apr 20, 2022
    Very easy process

    Very easy process, and easy to work with. Figure worked with me when no one else would. Thanks Guys!!!

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  • author
    CW
    Apr 19, 2022
    the best.

    the best.. i still cannot believe how effortless it was

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  • author
    Jack Anderson
    Apr 19, 2022
    Responsive & timely…

    Responsive & timely…

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  • author
    Sujin Philip
    Apr 15, 2022
    Amazing experience!!

    Figure is a trustworthy home equity loan lender. Their service was prompt, reliable, and secure. They also have very competitive rates. Most banks have several layers of useless management. Figure is the next level for secure lending.

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  • author
    Amanda Stone
    Apr 15, 2022
    Wonderful customer service and stress…

    Wonderful customer service and stress free application process!

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  • author
    Anthony B
    Apr 15, 2022
    Showing Appreciation

    If for any reason you need someone to represent you put your trust in figure they are ever able and willing to meet you all the way go figure

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  • author
    Stormy Rose
    Apr 14, 2022
    All was making progress with my on-line…

    All was making progress with my on-line home credit application. I still needed to finish with a notary and finalize everything and was worried on the last possible morning to do this when I could not progress. I called that morning and my loan was finalized in minutes. Then, the notary (Taylor C??) was a friendly, professional, fabulous way to finish the service.

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  • author
    William Dart
    Apr 13, 2022
    I spoke with several different agents…

    I spoke with several different agents during my application process. Each and every one was knowledgeable, patient, and pleasant. All my questions were answered quickly and satisfactorily. The process was about as transparent and efficient as I could have asked for--in fact, I was shocked at how easy it all was. There did not seem to be any effort to hide any important disclosures either. Based on my experience so far, I highly recommend Figure.

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  • author
    SL Harris
    Apr 12, 2022
    I am a process engineer and have have…

    I am a process engineer and have have been super impressed by your processes and service. Will be recommending you to friends and family.

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  • author
    Bryon Lopreste
    Apr 12, 2022
    Super easy to apply

    Super easy to apply. People are very friendly and helpful. Would recommend.

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  • author
    Gordon Kelly
    Apr 12, 2022
    this was absolutely the fastest and easiest loan ever!

    this was absolutely the fastest, easiest, stream lined loan I have ever done. I am a real estate broker and close loans every month for my clients and myself. I am a real estate investor who works with many types of financing to fund investments. I am very impressed with Figures speed and ease of process.

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  • author
    Robert Brooks
    Apr 12, 2022
    Very simple process

    Very simple process. Straight forward, well designed. Would highly recommend.

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  • author
    Sara King
    Apr 10, 2022
    Figure was as fast and easy as…

    Figure was as fast and easy as promised!! I was pleasantly surprised and delighted. So painless!

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  • author
    Joe
    Apr 09, 2022
    Easy process

    Easy process. Very fast approval and funding. Would and have recommended to others.

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  • author
    Libby
    Apr 09, 2022
    Everyone was so helpful and the process…

    Everyone was so helpful and the process was so easy.

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  • author
    Crystal Bond
    Apr 09, 2022
    Fast Process, Excellent Customer Service

    The entire process could not have gone any faster or smoother. Excellent customer service from beginning to end! Very happy.

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  • author
    Terri Bolotin
    Apr 08, 2022
    Amazingly easy experience

    Amazingly easy experience. So much of it was automated and easy to do right from the kitchen table. Will use again!

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  • author
    Pamla Haley
    Apr 07, 2022
    I was amazed at how fast and easy this…

    I was amazed at how fast and easy this was. Any questions I had were answered immediately. I would highly recommend Figure for any debt consolidation and loans.

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  • author
    Hung
    Apr 07, 2022
    Since I got the loan from Figure…

    Since I got the loan from Figure Lending my score went down and I had been paying on time but they keep changing their minimal credit score so I can't get another emergency loan for $15000. I wouldn't recommend anyone to borrow loans from them. It's a scam, they want to keep you paying them. It's a trap.

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  • author
    Santiago Banuelos
    Apr 06, 2022
    Danisha Johnson Is a superstar

    Danisha Johnson Is a superstar! She’s pleasant on the phone & extremely helpful. She should train all employees on phone customer service. Kudos for that hire!

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  • author
    Starla Smith
    Apr 06, 2022
    What a pleasant experience

    What a pleasant experience! Within 24 hours, I was approved and am to receive my funds in 2 business days. This is absolutely remarkable! And to think, I was able to accomplish everything on my phone! Everyone I spoke with was polite, pleasant, knowledgeable, and extremely helpful. I highly recommend this company!

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  • author
    Deborah Dixon
    Apr 06, 2022
    I gave FIGURE a five star rating…

    I gave FIGURE a five star rating because the service was exceptional! Every person I spoke with was friendly, supportive and helpful. Most importantly, the process was quick and efficient. I started the process on a Tuesday and was signing paperwork for my equity loan with a notary the following Tuesday! I had originally gone to my own bank for a home improvement loan and was told that it would take at least 8 to 10 weeks, which wasn’t helpful as I needed the money asap. I highly recommend this company if you’re looking to get a home equity loan. Thank you FIGURE for making this process pleasant and easier.

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  • author
    tamara smith
    Apr 06, 2022
    Well deserved 5 stars!

    I gave 5 stars and i must say well deserved. From start to finish they said 5 days and that’s what it was. It was so painless from application to the closing at my dining room table, and to put the Cherry on top I got a free souvenir tshirt in the mail before I even paid my first bill. Figure closed in 5 days with ease what Wellsfargo failed to do in four months. Nice customer service and I could go on and on. If you need money for your home repairs and don’t need an additional headache, use Figure for sure!

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  • author
    DiveDivaK
    Apr 05, 2022
    Figure was easy and fast

    Figure was easy and fast. The customer service team that I spoke with was knowledgeable and helpful. The whole experience was good. I needed money fast to make a cash offer on a property and Figure was the best rate and quickest way to get the funds. I would definitely recommend them to anyone looking for a home equity loan.

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  • author
    Lance
    Apr 03, 2022
    There is not a faster option

    There is not a faster option. There is not an easier option. You will always want to compare fees, rates and particulars but for me Figure was by FAR the best solution to my unique needs. Also, remember - some loans have variable APR and some are fixed - careful how you compare. I am completely happy with the product I chose, the speed, curtesy and consistency of Figure! Lance

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  • author
    Olga P
    Apr 07, 2022
    That was not a good experince for me

    That was not a good experince for me. I spent countless hours on a phone tyring to solve a legal paperwork verbiage issue... and all to no availability. If you are in a standard situation (single, married and etc) then it is fine, but I solely own the property and they insist that my husband (who has zero interest and ownership) would sign the deed that states that this is his primary residence. He never signed a deed for the first morgage, never mentioned on house title, this is not his primary residence, and he does not live here.. and there is no an attorney to look into the actual paperwork. They do charge a lot in fees for no service. Kinda sad.

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  • author
    Jewel Cryer
    Apr 01, 2022
    You were 200% correct Figure

    You were 200% correct Figure, this process was perfect! Every step was timely and user-friendly. Looking forward to doing business w/you😃!!

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  • author
    C. Lewis
    Mar 30, 2022
    User friendly loan process and service

    User friendly loan process and service

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  • author
    Alice Hulburt
    Mar 30, 2022
    High Praise

    I was not familiar with Figure Lending until I did a Google search for the top 10 Home Equity Line of Credit lenders. I submitted my application and the rest of the process was so easy and efficient. Everyone with whom I spoke was friendly, and knowledgeable. I recommend them highly.

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  • author
    Lisa Hafertepe
    Mar 29, 2022
    I received a mailer from Figure…

    I received a mailer from Figure yesterday afternoon. We completed our notary e-signatures about an hour ago. This process went so smoothly and the application was easy! A few clicks and an upload and you’re done! I would absolutely recommend Figure because this process was incredible! Everyone I interacted with treated me like a valued customer.

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  • author
    Larry Price
    Mar 29, 2022
    Figure loan process was such a PLEASANT…

    Figure loan process was such a PLEASANT experience.( I did say plaseant). Approved without a lot of jumping thru hoops. Our loan came as we are going through higher gas prices..food..etc. We are feeling secure and safe because of our Bank account bottom line. Thanks Figure for the help when it was needed MOST!

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  • author
    Sindhu Ch
    Mar 28, 2022
    Easiest - Fastest Process and Outstanding Customer Service

    I recently applied for HELOC, it really was the quickest application ever and everything goes so smoothly online, straightforward and upfront with fees and not any hidden fees. Best customer service agents ever, available anytime to answer your questions.

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  • author
    Wendell
    Mar 26, 2022
    3mos in and so far so good

    3mos in and so far, so good. No issues. Super easy. It was easy for me to get in contact with a real human being when I called.

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  • author
    Lynn
    Mar 26, 2022
    I applied for a Heloc loan

    I applied for a Heloc loan. It was hassle free and all done online, no appraisals or hidden fees. The process was funded super fast within a week, there is a three day acceptance period. This was a blessing. I highly reccomend them. Credit score has to be 620 and above.

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  • author
    Laurence Johnson
    Mar 26, 2022
    Painless way to borrow money

    I wanted a HELOC for debt consolidation purposes and Figure made it happen for me all at my computer keyboard! Favorable terms with ability for early repayment. Recommend highly!

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  • author
    Nicholas Mitropoulos
    Mar 25, 2022
    Great Service.

    Brian Barkemeyer, who assisted me in the process, was extremely helpful...Courteous, knowledgeable, efficient and effective. He rendered the process particularly easy and manageable, always available to answer questions or help with any glitches. Very impressed.

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  • author
    AnybodyHome
    Mar 25, 2022
    Unsolicited Junk Mail

    Figure.com is sending me unsolicited junk mail and they do not offer a direct way to opt-out from their list. To opt-out they require you to go through a third-party!

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  • author
    Thomas J.
    Mar 25, 2022
    Masterfull process

    Masterfull process. I have never experienced anything like it.

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  • author
    Bev S
    Mar 24, 2022
    Talk about a seamless

    Talk about a seamless, quick process! Figure isn’t kidding when they say about 5 days to get funding. Very easy to navigate through the application process, always there to talk you through anything. A few documents needed, e notary was convenient. In days our money was in our account. Thankyou, Figure! Don’t hesitate to use them.

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  • author
    Jon L.
    Mar 24, 2022
    So Easy!!

    Hands down the easiest process I have done for a loan this size. It took 5 minutes to apply, customer service was super helpful and I would suggest using figure to anyone who is looking for a HELOC

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  • author
    Bsanfilipo
    Mar 23, 2022
    GREAT CUSTOMER SERVICE

    I was so happy to reach your customer service people. They were all so helpful to me. I’m not great with today’s technology. They lead me through the app, the ID verification. I loved the ability to share my screen. The entire process was great. I think they should get a raise or bonus. Thank you Figure.Com Beth

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  • author
    Richard Szeluga
    Mar 23, 2022
    This was a pleasant experience for…

    This was a pleasant experience for someone that is not very good with computers. by calling the people at figure I got through the computing parts of the loan process. Thanks for a pleasant experience.

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  • author
    Kimberly Mccoy
    Mar 23, 2022
    Application;They were very easy to follow and not…

    They were very easy to follow and not nerve racking at all. Waiting was challenging but that's normal.

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  • author
    Tara Roesch
    Mar 22, 2022
    Very thankful and working for me

    Very thankful and working for me

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  • author
    Paul Markuz
    Mar 22, 2022
    I am not very computer savvy

    I am not very computer savvy, so I called Figure and they were able to walk me through the on-line application process.

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  • author
    Jorge Pacheco
    Mar 21, 2022
    The service is EXCELLENT

    The service is EXCELLENT! My entire experience in the loan process was the best I've ever encountered. My background is in customer service and understand the demand of consistency and engaging with requests. Figure has implemented a discipline loan process with a key component, communication. In my application process, there was some difficulties, however the staff very pleasant, effective, and informative at all times. The efficiency and timely manner the loan process was conducted was beyond my expectations. I thank all of the Figure staff from Mari, Jason, Chelsey, Robert, David, Karen, Josh, Loraine, to name a few, for your outstanding service!

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  • author
    Melissa Buchanan
    Mar 21, 2022
    Excellent customer service

    I was very pleased with the service I received from all the representatives I spoke with- especially Justice.

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  • author
    Tracy
    Mar 21, 2022
    The process to get the loan is very…

    The process to get the loan is very fast although High rate. Only three stars for awful payment options. You have to go to their website to make payments, No option for bill payer set up at your bank or credit union without autopay. If you do not set up autopay during the loan process you do not get their discount. Imagine if everyplace did this, monthly bill paying would be exhaustive.

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  • author
    K Ross
    Mar 19, 2022
    Excellent customer service

    While I hoped to be able to utilize this service, inaccurate information was a roadblock. The customer service I received from Lyndsay, was excellent, helpful, on point, knowledgeable, and timely, eventhough they were very busy on the weekend. They were able to answer my questions to understand the process to my satisfaction.

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  • author
    Gary R.
    Mar 19, 2022
    Was fast and professional.

    Was fast, secure, They were easy to work with. would for refer to a friend.

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  • author
    Frog
    Mar 19, 2022
    The process was very fast and relatively painless

    I was very surprised at how fast the process went. Even though I'm not internet savvy the customer service specialist navigated me through quickly. Thank you for accommodating me.

    ...

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