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BestMoney.com
Figure Pay Review
Reviews 2,061
Figure
Figure
Excellent
Reviews 2,061
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Michael Graw
Nov. 28, 2021
2 min read
Michael Graw
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 at a glance

4.0
Editorial score

Fees?

No fees at all
5.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
5.0

Customer service

Early morning, evening and weekend service with multiple communication options and a dedicated fraud team
4.0

Online experience

No online banking
1.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits
5.0

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 by
Michael 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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See what some costumers are saying about Figure
Figure
Excellent
Reviews 2,061
on
Excellent
89%
Great
3%
Average
1%
Poor
1%
Bad
6%
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doris w
2 days ago
I am by no means a person that likes to…
I am by no means a person that likes to handle things online all of the time. Nor am I tech savvy. But the process was fairly simple and straight forward. I like that Figure lets You know whether or not You are approved right away so that You don't waste time waiting around to here from a mortgage person only to put at the back of the burner.
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tom
2 days ago
Figure has ridiculous internal payment…
Figure has ridiculous internal payment "policies" I have never had so much trouble with a company setting up Autopay. I would avoid them at all costs. If they're going to fight about getting paid, what else is going to go wrong over the course of a decade?
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sharon
2 days ago
NO LIVE AGENTS
I would give them a "0" if I could...there is no one to speak to! You have to email of which it was difficult to understand the recording. Terrible...
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katrina walker
2 days ago
I believe this company is using Ai to…
I believe this company is using Ai to do biometric redlining by zipcodes. Then, they are using Experian as an excuse to deny me a Heloc! My credit, like myself is not perfect. But, it's important to note that there are no recent delinquencies! The last three years I have had many medical issues. I even caught Covid, with Pneumonia! But, I still made my payments within thirty days! My application credit score was 688 on the figure dashboard for 1/30/23. Figure states that your score have to be 640! I have a verifiable gross income over $110k. After Figure change the value of my home; I still have at least $80k in equity. But, Figure still has closed the door shut in my face for a home equity loan! I will not apply again. But. I do intend to turn this matter over to the government! I have paid federal taxes too long to be subjected to this kind of treatment from an American company! Yes! I am mad as hell!! Three application with scores of 648, 642 and now 688; and that's not good enough! I have been in this home since 2006! Figure or no one else will ever take it from me! It's a shame that I cannot use my home to consolidate some loans and do home repairs! It's definitely a reason why I cannot; and it doesn't have a damn thing to do with credit!
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karry maciak
2 days ago
Literally one of the worst companies to…
Literally one of the worst companies to ever work with. Their promise of getting a loan fast is a bold faced lie - and their excuses are ridiculous. They are a constant pain in my rear when my password never works even though I just updated it, they refuse to add a bank account for auto pay w/o a bank statement (just run the stupid payment. If it's not a legit account, it won't work), and they force me to provide flood insurance policy docs when they already got that with my original app. They have no way to securely upload docs. They TELL YOU to just go ahead and email it. Go ahead and send your personal info with balances, account #'s, your SS# through unsecured email. Who advises someone to do this! You can upload docs via chat...and hope the other person actually does so and is a legit person. You just have to sit around and wait to see what happens with that doc, if at all. You can't any status at all online. You can only see the option to make a payment. When interest rates go down, I'm refinancing my main mortgage with a cash out option to pay this loan off. I cannot wait to never use them again. Backwards company, behind the times, inadequate employees.
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cal martinez
3 days ago
scam just to sell your information.
scam just to sell your information. I input all my information after credit karma recommended it for a loan. I have 762 score, after they run credit report I got notification to upload driver lenience and and proof of income including w-2, load driver license and while i was looking for the rest, about 1 hours later got email saying my application was close.
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ryan h.
10 days ago
Fast service; easy to work with!
Figure was quick, easy to work with, had convenient online video notary services, and delivered the money into my account in 5 business days.
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jonathan hurst
12 days ago
cannot log into figure 4 account
changed number now cannot log into account sent emails, called etc not helpful will likely deal with a local lender next time dont get a loan from these people
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lori a.
16 days ago
Super easy to apply & very quick…
Super easy to apply & very quick decision on lending!!! Love the auto payments and the great communication each step of the way and monthly payment reminders and confirmations.
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samerjai jitaree
16 days ago
the officer are very informative
I’m glad that figure helping me to get loan I need on time.
M
midniteinmke
17 days ago
They claim they make the process quick
They claim they make the process quick, but they did it by getting everything wrong. They had the wrong mortgage company, missed the bathroom remodel and the solar panels and valued my house $50,000 less than my current appraisal.
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christopher williams
18 days ago
It’s seemed to good to be true but it…
It’s seemed to good to be true but it wasn’t for once ! I’m honestly blown away by how streamlined the whole process was from beginning to end! As self-employed borrower it’s never that easy!
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ofelia jc
20 days ago
I would definitely recommend Figure for outstanding customer service experience
I would definitely recommend Figure for their outstanding customer success representatives. They help make the online process painless. Thanks to all involved, especially Taylor, for an incredible customer service experience.
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savi r.
21 days ago
Figure made this process stress free
Figure made this process stress free. The customer service agents were amazing. Thank you!!!
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shao law
22 days ago
Great experience
Easy to work with. Great rate. process quickly. I searched many lenders and contacted so many lenders. Figure is the best one to fit my needs. Figure saved me so much money. I am glad that I found Figure.
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rj bartel
22 days ago
ease of use....prompt and efficient
ease of use....prompt and efficient
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william burbage
a month ago
Very easy and user-friendly process
Very easy and user-friendly process. Plus the turn around time from start to funding was extremely timely.
Y
yoemil pinero
a month ago
Just poor ethics or just a effing scam
Just get all your info and then tell you they are not available in your area. Poor ethics or just a effing scam
v
vgartdear
a month ago
Everything happened as they said
Everything happened as they said, which is great.
N
neil kelley
a month ago
Very streamlined
Very streamlined, hassle free process. I was kept informed via email and text of each phase of the process. Application was easy and everything was fast and relatively easy. Customer service so far as been outstanding.
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ari
a month ago
I am previous customer who returned to…
I am previous customer who returned to Figure for a HELOC loan. They had approved the loan on Thursday and scheduled a notary signoff for today (3rd Jan 2023 @ 845 pm). While I was out of a trip they canceled the approval without providing any information. When called their manager - Daniel who i spoke with was VERY UNHELPFUL. The only message, Danie, kept repeating like a broken record was he does not have a way to find out what was causing the error and he does not have a way to speak with anyone in the backend to even understand the issue. Knowing what figure used to be because my first HELOC was with them and what they are now, I would not recommend them. Their customer service is absolutely the WORST.
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doug hall
a month ago
We really enjoyed the streamline…
We really enjoyed the streamline technology process Figure has put together. The process eliminates so much of the wasted time in the paper process and time expended in most other traditional loan companies. We felt the rates were on the high side which account for 4 out of 5 stars.
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chiwawamamagmail.com bellababy
a month ago
My husband and I are not good with…
My husband and I are not good with computers at all and the staff helped us fill out everything. It was so easy and fast and convenient.
M
maddi mystic
24 days ago
STAY AWAY!
This company is a fraud! I have all the info and yet at the last second, their 3rd party they use to get assets are NOT connected to TD Ameritrade as it says it is. I was denied because TD Ameritrade dumped this 3rd party and thus could not submit my assets! Horrible experience at the last moment!! BEWARE!!! I still can’t believe how they do business with a 3rd party not connected to major investment companies? And now I get the short end because Figure can’t do it. Not my fault. Now they have all my info. PS: their reply is not customer oriented. Be sure your financial institution is linked to them before going after a loan. No way around their limited list of financial institutions.
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ramona
a month ago
The rate offered was not given
The rate offered was 4 points less than the rate I ended with. I applied online and kept trying to click the loan with a 4% rate but it wouldn’t go through
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john kasimier
a month ago
This process was very easy and fast…
This process was very easy and fast from start to finish. The Figure team was great at communicating and very helpful with any questions I had. I highly recommend Figure to everyone!
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loliz
a month ago
Do not do business with this company I…
Do not do business with this company I regretted not asking how much will charge me for the process..Run from this company When they send the person to sing document they didn't include the amount they will charge for using them. RUN RUN RUN FIN THIS COMPANY
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kathy from florida
a month ago
Easy application
Easy application, fast approval, fast money
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tc
a month ago
Easy and Professional
After speaking with my expert mortgage guy and explaining we were looking for a small second o noir home, he recommended Figure. Coincidentally, I was starring at their webpage when he said this! We applied and within 2 days had wrapped up the entire process. Everyone was very professional and happened as promised.
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lesli reed
a month ago
Too much information on consumers to keep safe
I was ask to show proof of account ownership because I was using a different account to make my on time payment to Figure. I won't do that. I have more than one account in which to make my payments. I feel companies have to much information on consumers to keep safe
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jason rzepa
2 months ago
Quick easy and to the point
Quick easy and to the point. My freind does mortgages not helocs. Had him look over all paperwork because of how quick and easy it was. Seemed to good to be true to be that easy and get funded that fast.
J
juan
2 months ago
Great service
Great service! will recommend!
S
sam
2 months ago
Do. Not. Wait. Another. Minute.
I NEVER write reviews but with a product as good as figure.com, I feel compelled to take action and make the world know about it. Within 24 hours (almost to the minute), - Applied (took 5 minutes) Approved within seconds for up to $90k HELOC with 4 different term options to choose from Signed documents with e-notary Expecting funds within 5 business day Only improvement I would suggest to the site is offering it in multiple languages. :)
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james h
2 months ago
I'm a software engineer so my views…
I'm a software engineer so my views here are based on that perspective. The application and onboarding process is flawless. Their software is exceptional. Easy and secure sign-in options. Easy way to increase the payment on a per-month basis. Which is something my new personal loan provider does not allow. I had full control over my loan. Really top-notch. I will recommend and use Figure in the future
J
john doe
2 months ago
Quick and responsive site
Quick and responsive site. No hassle lending
J
john malcom
2 months ago
Quickest and most efficient process for…
Quickest and most efficient process for home lines I have ever experienced. All can be done on line to include closing with a notary.
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emanuel severino
2 months ago
They send me a link a pre approval…
They send me a link a pre approval ready and denied the loan after fill everything, just to mark and ruin my credit
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christie sears
2 months ago
Great response and customer service
Great response and customer service! I think the apr could be lower and that is the only reason it’s not five stars
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tracy
2 months ago
Super easy and fast process
Super easy and fast process. Customer Service answered my questions thoroughly. Notary was fast and friendly. Would highly recommend. Applied on a Monday, received a noticed Friday night funds are being transferred to my bank which could take up to 3 days- speed is dependent on my bank.
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c hagen
3 months ago
The ease of the process was amazing!
The ease of the process was amazing!! I've dealt with plenty of lenders and this has been the easiest most enjoyable experience I've ever had. 10 Stars if I could give it. No chasing docs for weeks, or annoying loan officers. I literally started the process 6 days ago and the loan funded today. HIGHLY RECOMEND!!!
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darcy patterson
3 months ago
Such an amazingly fast and easy…
Such an amazingly fast and easy process. 15 days from application to having the money in the bank. Crazy fast!
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scott
3 months ago
2nd home equity loan was smooth and…
2nd home equity loan was smooth and painless except for one major issue. Rate was fair, not great, expensive origination fee too. But, after the 3 day rescission period was over, the company told me I was required to have flood insurance on my home. Thankfully I had it, but if I didn't have it, it would have been a big problem as they have already funded the loan and had been paid the origination fee. This should have been verified prior to closing/funding to avoid this issue.
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leonard nieves sr
3 months ago
From start to finish the process was easy
So for from start to finish the application process was very easy to complete, also when I had a question, I was always able to speak to someone, rhats important to me is speaking to a person instead of leaving a message and waiting. When I receive my funds and go through the payment process, I'll add to my very good experience.
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g reed
3 months ago
Very easy and fast process
Very easy and fast process. Will definitely recommend Figure for anyone that want a HELOC.
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michael sinko
3 months ago
Great Work
Had a few IT issues but overall thing got taken care of in a pretty fair amount of time.
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lisa mcnamee
3 months ago
My overall experience with Figure…
My overall experience with Figure Lending has been outstanding. Every interaction has been easy, and the customer service is exceptional!
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vernon mark anderson
3 months ago
Smooth Sailing Loan
One of the smoothest loans I’ve ever acquired. They did all the heavy lifting with the paperwork and what all they needed. Thank you very much!
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daron
3 months ago
🚨SCAMMERS🚨
SCAMMERS. Do yourself a solid and don’t use this banking card. They refused to let me get my money off that just got deposited leaving me and my family broke. I don’t owe them any money whatsoever either. This company has multiple bad reviews on other sites I found out after the fact. SCAMMERS. Update: I was lied to after this I was told that I would recieve a tracking number and that my check would be ups to me. I called today to find out they haven’t even sent my check yet and now it’s after 6pm and still nothing. Which leads me to believe I’m being jerked around so I still stand by my original post.
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scook
3 months ago
Settled
Update: Just after writing this review I received notification that my funds posted. I increased my stars and would have given a 5 star review had they communicated they were a few days behind in posting funds. Other than trying to get an answer this was one of the easiest processes. I do see from reading other reviews that Figure is trying to make their system better. The process for our HELOC from application, approval and notary signing was excellent. It is after this that things don't appear transparent from Figure. The funding time is not as promised, I am okay and understanding of delays if I knew I was still getting funds. It has been five days since my right to cancel period and no word on why my loan hasn't funded or why it has been delayed. The dashboard showed my loan funded and gave a balance due of my draw after fees. All of the sudden my dashboard says 0.00 amount due and the loan has funded. I have called, live chat and emailed their HELOC loan email and can't get an answer except I got a replica of the Congratulations your loan has funded and I will receive funds in 2-3 days only this email now says 3-14 days. I can work with the delays if I knew my loan was still funded and their was just a delay but I can not get confirmation and like others I have lined things up based on their time frame quote. 3-14 day funded is still fairly quick to standard just wish their was transparent information in the delay that would ease the unsettling of not knowing if there is something wrong. It also ties me up from moving forward with someone else. Do I want to start this process again if I know their is a funding delay not an issue with the approval. I will update this review accordingly to receiving my funds or not.
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chris kopinski
3 months ago
Don't believe what they advertise!
Third Update: Once funding came through, everything was seamless... so far. Second update: The funding is in my account. The process was relatively painless, but slightly frustrating. It took a lot longer than I believed it should have, based on the communication that I received from the beginning. They started with a one star rating from me. But, things continued to improve as time progressed. Update: While no progress has been made to obtain funding, I will say that every time I speak with someone at Figure, they are very professional. I have slightly raised my rating because of this fact. So far, not been a great experience! The dashboard shows that my loan has been approved and funded. After waiting for the 3-day rescission period, I received an email stating that I would receive the funds in about 2 to 3 business days, or longer depending on the institution where the funds were deposited. When I called (after waiting three business days) to ask when I might see the funds in my account the person told me that they are having "funding issues" (even though my dashboard shows that it is funded) and that I might see the funds in 3 to 14 business days. That's not what they advertise (promised)!
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terri gilsenan
3 months ago
False advertising
I was told funds would be available in 3-5 days. I called yesterday to ask if there was anything more I needed to do because I was unsure what the message on the dashboard meant and was told funds will take at least 14 days. While I am still in the 3-5 day window, the answer I got was unacceptable especially since I was not notified of a delay. I had some things lined up based on the assurance when I talked to Figure last week that 5 days was maximum. Very frustrating! It did fund on time but the lack of communication was VERY frustrating!
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sarah s
3 months ago
Deceitful advertising
The approval process was easy and great. The process said that I would receive funding in 5 days and yet it’s been over 5 days and my loan is still not funded. I talked with a rep today and they said they have no ETA on when I will receive funding. This is not very professional or acceptable. Clearly if I’m applying for a loan I need access to the money asap and to go through this process and not know when I will receive funding is extremely frustrating.
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maureen irwin
3 months ago
Fastest loan I’ve ever obtained…process…
Fastest loan I’ve ever obtained…process went so smoothly that I didn’t realize it was over when the notary came…the terms were the best I was offered, no other company came close…
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lawrence zoobi
3 months ago
This company was very fast and helpful…
This company was very fast and helpful the entire process. I would recommend this company to anyone looking to get a home equity loan
H
h. tran
3 months ago
It's was an easy proced to follow. Owesom costumer services.
It's was an easy proced to follow.
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guillermo terrazas
3 months ago
Thanks for checking on my account end…
Thanks for checking on my account end keeping me informed, you guys doing great 👍 job. Thx, Gt.
D
david stokes
3 months ago
I have never had a problem so for
I have never had a problem so for, I have never had to pick up a phone to take care of things. Online is very easy to use and understand. This is great for people like me with hearing problems.
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tony l.
3 months ago
Easy as 1-2-3 to get a HELC
I can't begin to say how extremely easy it was to apply for a HELOC on their website. The customer service was incredible, and was very customer focused. They went through every option, explained the process and by the end of the day (actually in a couple of hours), I was approved. This is the 2nd time I've been approved for a loan through Figure. I've paid the first loan off, and when I pay this one off, I plan on using them again should I need another loan or HELOC. Great company, great customer service, and competitive rates.
W
walid yassir
4 months ago
Easy and non obtrusive
Easy and non obtrusive. They recognize that you and your spouse may have challenges being in the same place at the same time. They also use data to determine your ability to repay instead of the endless requests of most underwriters. The notary on demand function is also awesome.
D
david van dusen
4 months ago
Streamlined service
Streamlined service. Very professional and expedient.
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gregory mobley
4 months ago
Excellent
Excellent service and experience all the way through from the application to the time I paid the loan off
P
pete
4 months ago
neat business model.
neat business model. upside: everything is upfront in writing, including interest rate and terms downside: you gotta call every step, and it's set up for internet savvy peeps. I'm an analog bro and I really didn't like all the weird quirks that come with a "verified digital" interface. plus, you really gotta stay on them on the phone overall: if you want a fixed rate HELOC, who else you gonna call?
A
ann morton
4 months ago
excellent service
excellent service! Figure to the world
B
brian morris
4 months ago
HELOC #2
This is my 2nd HELOC with Figure. Simplistic, efficient and trusted. I literally completed the process from my iPhone. I have felt fully secure throughout both process or HELOC I have done. I
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jose alvarez
4 months ago
Pedi un loan de $15000.00 y fue muy…
Pedi un loan de $15000.00 y fue muy facil y rapido lo recomiendo mucho Figure.com
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charles doss
4 months ago
amazing experience
amazing experience both on line and when I needed over phone help.
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jim navarro
4 months ago
I am a real estate broker and deal with…
I am a real estate broker and deal with lenders everyday . Figure was the simplest process in applying for a HELOC in the 25 years of being in the business . - Apply , give access to your checking account , review documents , sign documents and money in 5 days . Absolutely unbelievable. Competitive Fixed rate .
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lance farthing
4 months ago
My Heloc experience with Figure.com
I was offered to apply for a Heloc from Figure.com. I was really impressed by the entire process! It was the easiest way to get a loan that I have ever seen! Everything was streamlined and hassle free!! I would highly recommend it to anyone!
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judy baker
4 months ago
I'm not technologically savvy but…
I'm not technologically savvy but Figure helped me through the process patiently. It couldn't be easier!
A
alex
4 months ago
Very quick and easy to understand…
Very quick and easy to understand process. Highly recommend
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joseph abache
4 months ago
These jerks pulled my HELOC loan right…
These jerks pulled my HELOC loan right after I was approved because the Hurricane Ian. To make matters worse, they included everyone whose loan application was affected on the email traffic compromising our personal data. Never again….
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todd joseph
4 months ago
Five Stars
Five Stars. Everything went smoothly as advertised. I received my loan quickly, and without hassle. No need to have an appraisal, which was great. Highly recommended. Thank you so much Figure!! Ps. I think the people who offered a bad review must of had some previous issues (possibly bad credit) of some kind.
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many customers
4 months ago
Expensive and poor customer services
Expensive and poor customer services
A
alex
4 months ago
Super fast
Super fast, smooth and just great to work with.
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gary fayette
4 months ago
Account should be on auto debit
Account should be on auto debit! Never received document by email to sign! Will not 'log in' to retrieve document! EMAIL ME E-DOCUMENT TO SIGN FOR AUTO DEBIT! Shouldn't be such a hastle! Ridiculous!
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rosalind parrish-brown
4 months ago
Detrimentally bad info from their third party vendor
I applied for a HELOC yesterday online. Their simple application is on a fully automated system that automatically declined my application within seconds, due to some kind of information combination. When I called them today to find out what the issue was, the young lady couldn't even give me the values that were used to get a rating. After being placed on hold several times she then states that my home and land is listed as public use. What!?! I've been in this home for 10 years and I've had a heloc before. When I asked to speak to a supervisor to explain better, she stated the same and that the false information came from their 3rd party vendor. She stated that I need to contact my county and get proof that my home is a single family residence, then forward the correct information to Figure. So mind you, I have my mortgage, deed, and county documents that are legal and notarized, but she can not use them. Not only that, she also stated that once they receive the proof from the county, Figure will then forward it to the 3rd party vendor that gave the bad info, but there is no guarantee when they will update the system. Therefore, Figure can not move forward until that is corrected because the system is fully automated and they can not change it. Wow!!! Thank you for your horrible system service and goodbye.
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ma
4 months ago
Where do I being jumped thru hoops to…
Where do I being jumped thru hoops to get my income verified link bank account didn’t work link irs didn’t work finally I was told pay stubs are ok. Uploaded pay stubs income verified Moved to next stage, figure called me to verify it was me that requested the loan and I was verified. I got message my loan was approved log into you account sign some paperwork choose your bank for the deposit. Great thought everything went successfully Hour later got email that I was declined because can’t verify my identity, figure can’t do anything about it or tell you what’s the issue Called Experian to see if there are any discrepancies nothing. Figure can’t help or assist while they are the lender. Very disappointed
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pk sanders
4 months ago
Mis/poor communication
Getting the HELOC was a breeze but they transferred the money to my bank and then charged me $340.70 as a payment when they were suppose to keep the money until I finalized the Contractor's for, my remodel. I emailed when they charged me the $340.70 and that was two weeks ago and i have yet to hear from them.
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e. burdie
4 months ago
Unsettling
I almost finished applying for a HELOC with Figure but stopped when I reached income verification. They wanted my Username and Password for my checking account! Maybe I've watched too many Kitboga videos on YouTube but I wasn't going to give those out. I tried using the IRS link but again Figure wanted my Username and Password. IRS has a way a third party can receive transcripts for income verification but Figure does not use that method. I'm sorry to say I will have to look to another lender for my HELOC
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wendi harville
4 months ago
This is my second Heloc loan with…
This is my second Heloc loan with Figure. It is so easy, and fast. I am so surprised at the ease at which they walk you through the required documents, all of which I was easily able to access online. I am not the best with the computer type skills, but this was simple both times. I literally had my full approval, documents signed, and online meeting (which only takes about 4 minutes) with the notary completed in less than an hour. My first loan is about a year old and has been exactly as it was promised to me. Payments are easy to make, right online. I would tell everyone to use Figure. You can even get pre approved without running your credit.
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lynn
4 months ago
Two thumbs 👍 👍
Love! Quick application Fast approval fast deposit. No hassle no scam two thumbs up!
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joseph cumer
4 months ago
To begin with the best part
To begin with the best part, Figure or anybody associated never called, Emailed, or texted pressuring me into a loan. They never tried to sell me anything more than I was looking for. Figure probably had the best plan and rate out of the other companies I received a quote from. The process was fairly easy with a few customer service calls to speed things up considering the large amount of money I received.
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chris
4 months ago
Is a SCAM!!!
Is a SCAM!!! Pre-approval came through, nothing at all has literally change since the "pre-approval" and was still denied. Really getting tired of companies like this wasting peoples time, just to get information from you to sell to other companies or bombard you with other services you were not looking for.
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justin aanes
4 months ago
I'm verry pleased with all aspects of…
I'm verry pleased with all aspects of Figure
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brett herzer
4 months ago
Responsive and very simple process
Responsive and very simple process. Like going to Nordstrom versus JC Penney.
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robert watkins
4 months ago
Everything went well until
Everything went well until it came time for the secondary signer had to do her enotary. It took several days for your people to figure out the problem was on their end before she was able to get it done.
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nbk21
5 months ago
Smooth Process
This is our 2nd HELOC with Figure, and the process is always smooth and flawless.
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crystal sims
5 months ago
So easy!
That’s s was the easiest thing I’ve ever done in my life. The notary was even a video chat from my phone! Totally recommend
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patricia summers
5 months ago
Excellent Customer Service
I contacted Figure regarding a home equity loan, and they directed me to their website. It was easy to link my bank and IRS accounts for Figure to verify my income and credit. The. Notary contacted me on September 7th, and the signing with the notary was on September 8th. Today, five business days after I was approved, I received notification that funding will be in my bank account in the next two or three days. This experience was quick, simple, and easy.
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cathy m.
5 months ago
The process with Figure was very smooth…
The process with Figure was very smooth and easy! I would highly recommend.
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michael mann
5 months ago
I called Figure about a HELOC a bit…
I called Figure about a HELOC a bit concerned about the process and access to some accounts they requested. I worked with Maria D and she walked me through the whole process and was extremely professional and knowledgeable and put me at ease. The whole loan worked out and I am very happy with the service!
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ginger frias
5 months ago
The process is the most easiest and…
The process is the most easiest and quickest in regards to any type of loan I've ever done on a home. I did a home equity loan, and I am very happy so far. I am not the whiz on computers, and when I needed to call customer service they were very courteous and helped me on more than one occasion.
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laurie & dave
5 months ago
Still stunned
After waiting 7 weeks for a local credit union to respond I learned about Figure. Figure approved our loan in less than 30 minutes after receiving the necessary information. I immediately called the credit union and advised to cancel my application. Money in our account in 7 business days. Incredibly happy!
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dennis haussmann
4 months ago
How Customer Service is DONE
Customer Service was at the highest level ever expected!!! Very easy online application. Easiness loan I've ever completed. Funded within a week!
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jon weidow
5 months ago
This was the easiest transaction I h
This was the easiest transaction I have ever had in my entire life, what a great experience I wish all customer service was this great
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aurora m
5 months ago
Very highly recommended
Very highly recommended, easy and fast to answers all the requests. Very impressed how management all steps, in technology. Loved.
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joseph grier
5 months ago
Good digital experience.
Good rate. Fast process. Easy to follow.
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bruce gery
5 months ago
I'm so glad to have discovered…
I'm so glad to have discovered Figure.com. The process was so quick and easy, the information I had to provide was checked and verified in a matter of a few days. We will have our money in 7-10 days rather than waiting 35-45 days through the usual process with a bank or other financial institution. I would recommend Figure to anyone needing a loan.
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mister pete
5 months ago
Easy Process
Fast, Efficient, Easy Process.
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lelia
5 months ago
This company is not equipped to process…
This company is not equipped to process a loan if you have a Trust. Even after the attorney who wrote the Trust verified that the paperwork I submitted was the correct paperwork, Figure, who seems to have no understanding of Trusts, would not accept it, and I wasted a credit inquiry. It was frustrating to not be able to speak to those individuals who were disputing my trust paperwork, and I am skeptical of their knowledge of trusts. A VERY frustrating experience and a waste of time!