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Figure Pay Review

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Reviews 1,584

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Michael Graw
Michael Graw
May. 03, 20214 min read

Figure summary

Figure Pay is an all-in-one banking app that offers deposits and transfers, rewards for spending, and access to buy now, pay later loans up to $2,500**. You also get access to 55,000 fee-free ATMs across the US. There are no account fees¹ for Figure Pay and no minimum balance required. Plus, you’ll receive a $100 bonus³ when you direct deposit at least $1,200 per month for 2 consecutive months.

Pros

  • Access buy now, pay later loans up to $2,500**
  • Offers rewards for spending
  • No account fees or minimums¹

Cons

  • Only available in 18 states*
  • Spending rewards vary by retailer

Figure Figure Visit Figure

Advantages Over Traditional Banks

Figure Pay offers many of the leading features of checking accounts with its fee-free deposit account. This account is connected to a Visa spend card that you can use to make purchases anywhere Visa is accepted. You can also make transfers from your deposit account and monitor your balance using the Figure Pay mobile app.

In addition, Figure Pay enables you to earn rewards when you spend at local retailers. You can find retailers with rewards near you using the Figure Pay app.

Cutting-Edge Banking Services

One of the most unique things about Figure Pay is that you can quickly qualify for Buy Now, Pay Later loans** with Figure Pay Credit anytime you make a purchase. These loans let you pay for goods and services in monthly installments, and they don’t have any interest. The amount of credit you can be approved for depends on your credit score, but Figure Pay offers revolving loans up to $2,500.

 Importantly, Figure Pay is available even to those with poor credit or little credit history. There’s no credit check required to open an account, although there is a credit check to qualify for buy now, pay later loans. If you don’t qualify for the maximum $2,500 credit limit right away, you can build credit over time by making monthly direct deposits into your account.

 

Traditional Banking Services

Figure Pay includes free access to more than 55,000 in-network ATMs. You can locate ATMs near you using the mobile app. In addition, the Figure Pay deposit account supports direct deposits. You can get paid up to 2 days early with Figure Pay² . If you direct deposit at least $1,200 per month for 2 consecutive months, you’ll receive a $100 credit in your account³.

 

Interest Rates and Fees

Figure Pay is completely free to use¹. There’s no monthly account fee, no minimum deposit required to open an account, and no minimum account balance. Using a Figure Pay Credit buy now, pay later loan** is also free and these loans don’t have interest.

Account FeeMinimum BalanceInterest RateATM Fees
$0NoneNoneNone

Customer Service and Online Experience

Your Figure Pay account is controlled entirely through the free mobile app for iOS and Android. You cannot sign up for Figure Pay on a desktop computer, nor can you access your account details via a browser.

 However, you can connect with Figure’s customer service team by live chat either through the app or online. Customer support is available 6AM-6PM (PT), 7 days a week. You can also contact Figure’s customer service team by email.

 One thing to note is that Figure Pay is currently only available in 18 states: Alaska, Arizona, Colorado, Connecticut, Delaware, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Missouri, Montana, New Hampshire, New Mexico, Oregon, South Dakota, and Utah. You can sign up to receive an email alert when Figure Pay becomes available in your state*.

 

Mobile App  

https://www.youtube.com/watch?v=zcYQaC2TYNc

The Figure Pay app is available for free for iOS and Android. It enables you to monitor your account balance, find in-network ATMs, and see which nearby retailers have rewards for spending. You can also use the Figure Pay app to activate a buy now, pay later loan when paying for purchases. The Figure Pay app does not offer mobile check deposits, but you can set up direct deposits and initiate transfers in the app.

 

Security

Figure uses encryption and biometric authentication to protect your Figure Pay account. The deposit account is provided by UMB Bank, n.a., and is FDIC-insured. There is no dedicated fraud team, but your spending card comes with Visa’s zero liability policy, which protects you against unauthorized purchases.

 

Summary

Figure Pay is a unique banking app that combines a deposit account, a rewards debit card, and access to buy now, pay later loans. The service is completely free to use with no monthly account fees, no ATM fees, and no minimum balance requirements. Buy now, pay later loans do not carry interest and you can qualify to borrow up to $2,500. Plus, spending at local retailers can earn you rewards.

Figure Pay is only available through a mobile app for iOS and Android, and your account cannot be accessed online. While the service is currently only available in 18 states, you can sign up to be notified when Figure Pay becomes available in your state*. New users who direct deposit at least $1,200 per month for 2 consecutive months can earn a $100 account credit³.

Methodology

This review was based on information on the Figure website and the product description provided by Figure.

Figure Figure Visit Figure


Figure Pay Disclosure

¹ Figure Pay-branded demand deposit account is held at UMB Bank, n.a., member FDIC

² Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Figure Pay generally makes these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

³ Limit one $100 bonus per customer. Bonus will be deposited in the Figure Pay account within 30 days of the second consecutive deposit satisfying requirements for bonus.

* Figure Pay is available in Alaska, Arizona, Colorado, Connecticut, Delaware, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Missouri, Montana, New Hampshire, Nevada, New Jersey, New Mexico, Oregon, South Dakota, and Utah with more states to come.

** This offer is not affiliated with MetaBank, N.A., or Visa.

 



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.‎

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  • author
    Michael Johnson
    3 days ago
    They were not kidding about 5 days!

    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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  • author
    Joseph Stone
    a day ago
    My application has been in Review

    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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  • author
    Carlos B
    3 days ago
    Quick and Easy process.

    Quick and Easy process.

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  • author
    Elayna
    3 days ago
    Best experience ever with loan application

    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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  • author
    Travis Connelly
    Nov 28, 2021
    They saved my realestate deal!

    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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  • author
    Paul W.
    Nov 27, 2021
    They did what they said

    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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  • author
    Reuven Anafshalom
    Nov 27, 2021
    Working with Figure was a breeze

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

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  • author
    Terry
    Nov 27, 2021
    Easy and efficient!

    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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  • author
    Maxim Delbecq
    Nov 26, 2021
    Overall, positive experience

    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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  • author
    Thomas Young
    Nov 25, 2021
    This loan was very simple and funded…

    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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  • author
    Stephanie
    Nov 25, 2021
    Very easy and customer service is very…

    Very easy and customer service is very helpful

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  • author
    Keith Flamer
    Nov 25, 2021
    Figure was extremely professional

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

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  • author
    Nick Pothetes
    Nov 24, 2021
    In accurate home appraisals no one to help :(

    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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  • author
    BG
    Nov 24, 2021
    Extremely easy process

    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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  • author
    Mohammed
    Nov 23, 2021
    Figure is by far the best to work with…

    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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  • author
    Ronald Jenkins
    Nov 22, 2021
    The service was extraordinary

    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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  • author
    Mark Rochester
    Nov 21, 2021
    they use a FLAWED, ERROR RIDDEN automated approach which they cannot fix errors in the data carryover

    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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  • author
    Reno Conlon
    Nov 20, 2021
    Excellent service easy process

    Excellent service easy process

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  • author
    Jay Aklilu
    Nov 20, 2021
    Excellent service

    Excellent service. Simple and fast.

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  • author
    Lindsay Creasy
    Nov 20, 2021
    Smooth transaction

    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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  • author
    ladonna
    Nov 20, 2021
    Application and loan process was easy…

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

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  • author
    John B
    Nov 19, 2021
    A consummate and unique loan process…

    A consummate and unique loan process experience.

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  • author
    Blaine Baughman
    Nov 19, 2021
    The application process was great

    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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  • author
    Reed Huval
    Nov 18, 2021
    Excellent customer service

    Excellent customer service

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  • author
    Neal Mcdonald
    Nov 18, 2021
    Figure CSA verification.

    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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  • author
    James E. Cleveland
    Nov 18, 2021
    Wonderful experience!

    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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  • author
    ROBERT ANDERSON
    Nov 18, 2021
    Beautifully Simple application process...

    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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  • author
    Eric
    Nov 18, 2021
    An amazing experience

    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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  • author
    Pauline Bailey
    Nov 17, 2021
    Does anyone have a physical address for…

    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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  • author
    MicroPriceActionTrader
    Nov 16, 2021
    HELOC Perfection

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

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  • author
    James Oconnell
    Nov 16, 2021
    So far my experience with Figure has…

    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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  • author
    John Bullinger
    Nov 16, 2021
    Loan process was easy

    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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  • author
    Robert
    Nov 16, 2021
    Don’t trust this company.

    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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  • author
    Ebony Nicole
    Nov 16, 2021
    Great company

    Great company, fast and easy service, highly recommended

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  • author
    BigBear Vo
    Nov 16, 2021
    Good service and it fast

    Good service and it fast

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  • author
    Mark Osborn
    Nov 16, 2021
    Quickest hastle free loan I've ever…

    Quickest hastle free loan I've ever gotten.

    ...

  • author
    Milton Santana
    Nov 15, 2021
    Fast and simple process!

    Fast and simple process!

    ...

  • author
    Donald Foster
    Nov 13, 2021
    If you are looking for a HELOC then…

    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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  • author
    Reto Witschi
    Nov 11, 2021
    Great experience

    Great experience. Fast and very professional

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  • author
    Jackie Ramsey
    Nov 11, 2021
    Everything from figure went well except…

    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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  • author
    gary
    Nov 10, 2021
    Professional

    Professional, responsive, caring.

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  • author
    ROBERT ANDERSON
    Nov 10, 2021
    This was a very well-thought-out…

    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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  • author
    Abdul Banks
    Nov 10, 2021
    I have never experienced this level of…

    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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  • author
    Lydia Pagan
    Nov 10, 2021
    Great company

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

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  • author
    Gregory S
    Nov 10, 2021
    My wife and I have had numerous loans…

    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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  • author
    D Gibson
    Nov 09, 2021
    The process was so quick and simple

    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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  • author
    NANCY RUIZ MONTOYA
    Nov 09, 2021
    It was the easiest process ever

    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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  • author
    Bridget Johnson
    Nov 09, 2021
    Quick, smooth and seamless process

    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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  • author
    Stephen Snowden
    Nov 09, 2021
    Figure was extraordinarily easy to work…

    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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  • author
    Kym Bell
    Nov 09, 2021
    Quick and Easy!

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

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  • author
    KIMA
    Nov 08, 2021
    Figure Loans A Great New Startup - Technology Sells

    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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  • author
    Dieuenese Saint
    Nov 06, 2021
    I love it it's cool in nice

    I love it it's cool in nice

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  • author
    Kenny Han
    Nov 06, 2021
    Equity line of credit

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

    ...

  • author
    Andie Hitchcock
    Nov 05, 2021
    This was so easy

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

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  • author
    Richard Lundin
    Nov 04, 2021
    Easy, friendly, fast process!

    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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  • author
    Sandra Klein
    Nov 03, 2021
    No Regrets!

    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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  • author
    Philip Spear
    Nov 03, 2021
    These folks are the real deal

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

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  • author
    Lonnie Green
    Nov 03, 2021
    Thought it was too good to be true...found out it's the real deal!

    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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  • author
    Constance Andrew
    Nov 03, 2021
    Figure’s Line of Credit / Done Awesome On-Line

    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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  • author
    Theresa Leycam
    Nov 03, 2021
    Excellent

    I really like that they were fast and efficient

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  • author
    Rhandell Graham
    Nov 02, 2021
    Great experiance

    Great experiance

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  • author
    Joseph Poole
    Nov 02, 2021
    FIGURE BEST FOR HOME EQUITY FINANCING

    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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  • author
    Jessica Bushong
    Nov 02, 2021
    Easiest and quickest process ever!!

    Easiest and quickest process ever!!

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  • author
    M. O.
    Nov 02, 2021
    Best loan process I have ever seen

    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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  • author
    Pamela
    Nov 02, 2021
    The process of applying for a HELOC…

    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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  • author
    karl c.
    Nov 02, 2021
    Easy to apply

    Very simple application process. Quick response. Recommend to anyone

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  • author
    William Johnston
    Nov 02, 2021
    Every thing worked as advertised

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

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  • author
    Tanya
    Nov 02, 2021
    The application and approval process…

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

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  • author
    Matt Abil
    Nov 01, 2021
    No reliable

    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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  • author
    PGB
    Oct 30, 2021
    Awesome customer service

    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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  • author
    Clarence Smith
    Oct 30, 2021
    Quick and Easy

    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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  • author
    Todd Boren
    Oct 29, 2021
    Amazing automated quick response

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

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  • author
    Becky C.
    Oct 28, 2021
    Wow...Far and away the easiest loan…

    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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  • author
    Kathleen Malloy
    Oct 28, 2021
    I attempted to get a line of credit

    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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  • author
    Mackenj cy
    Oct 28, 2021
    The customer service exceeded my Expectation!

    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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  • author
    Mario Wilson
    Oct 28, 2021
    Fast & easy

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

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  • author
    Kathleen Gifford
    Oct 28, 2021
    Smooth sailing throughout the process!

    Smooth sailing throughout the process!

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  • author
    Ann Bremer
    Oct 28, 2021
    Very responsive with emails and phone…

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

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  • author
    Stephanie Pheasant
    Oct 26, 2021
    I am trying to get a mortgage loan and…

    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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  • author
    Jorge Ramos
    Oct 26, 2021
    Best overall experience ever! Welcome to the 21st Century!

    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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  • author
    Ramon Orlando Nieves Delgado
    Oct 26, 2021
    Quite efficient

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

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  • author
    Jeanette Bamberger
    Oct 26, 2021
    Kept me well informed throughout the…

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

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  • author
    G.A
    Oct 26, 2021
    Totally recommend

    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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  • author
    Joseph Fortuna
    Oct 23, 2021
    Outstanding Service

    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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  • author
    Gunther Tony
    Oct 22, 2021
    I love Figure and the Block Chain!!!!

    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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  • author
    K'la Kamrath
    Oct 21, 2021
    Definitely a thumbs up from me..

    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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  • author
    sandra abubakr
    Oct 20, 2021
    Easy

    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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  • author
    Sarah Hanviriyapunt
    Oct 20, 2021
    So fast and easy! Highly recommended

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

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  • author
    Kelly Dao
    Oct 20, 2021
    The best

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

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  • author
    CMoudy
    Oct 18, 2021
    I can’t believe how easy this loan was

    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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  • author
    Lane Blundell
    Oct 18, 2021
    Smooth, simple experience.

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

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  • author
    Adrienne Adamson
    Oct 14, 2021
    Figure is the best for all your financial needs!

    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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  • author
    Laura
    Oct 13, 2021
    Figure was fast and easy for this 76…

    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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  • author
    D. Eskridge
    Oct 13, 2021
    Good to have someone that helps get…

    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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  • author
    Dennis Johnson
    Oct 13, 2021
    Shaniqua, From North Carolina, Was Superb!

    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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  • author
    Roger Trost
    Oct 11, 2021
    Incredibly easy to secure the loan!

    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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  • author
    Lynne Pryor
    Oct 11, 2021
    Figure is now my go-to kender

    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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  • author
    Tracy Levine
    Oct 10, 2021
    I had stopped trying because NOTHING WORKED

    It was to the point my boyfriend told me to stop trying to get a loan. For almost a month I'd spent several hours several days of the week getting denied. Either flat out or after being jerked around for a day or two. Just when I'd given in I got all of these pre-qualifications on several different amounts from Figure. SOME 4 TIMES MORE THAN THE ONES I WAS DENIED FOR! It took MAYBE a half hour from start to finish. Everyone was very polite, in no rush to end the call, and made me feel like I was the only client they were dealing with. I had such a great experience with them never ever will I go anywhere else. It went from a dreadful task to quite fun, informative, and quick. I would recommend them to ANY AND EVERYONE. And I'm pretty sure I will be a repeat client. Thank you for making a horrible life experiences a lot easier to get thru. Tracy Levine

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  • author
    Mario Moore
    Oct 10, 2021
    The best people you'll want on your side helping you

    Everybody there is great they went above and beyond to help me through the whole process answer all my questions was always nice courteous and friendly the best group of people I've met and the customer service is outstanding thanks again 😀

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  • author
    Darrin Stumpf
    Oct 09, 2021
    Easy to work with and the process is…

    Easy to work with and the process is very simple.

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