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BestMoney.com
Figure Pay Review
Reviews 2,167
Figure
Figure
Excellent
Reviews 2,167
Visit Site
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

8.0
Editorial score

Fees?

No fees at all
10.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
10.0

Customer service

Early morning, evening and weekend service with multiple communication options and a dedicated fraud team
8.0

Online experience

No online banking
2.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits
10.0

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 2,167
on
Excellent
88%
Great
3%
Average
1%
Poor
1%
Bad
7%
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michael keating
a day ago
They were so quick to help and points…
They were so quick to help and points us on the right direction. Very pleased.
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cory
8 hours ago
Poor follow through on funding
I got an email on a Saturday saying the transfer had been initiated and that I should receive funding in 2 to 3 business days. After five business days I contacted them and they said it should be any minute and now I just got another email from them saying they’ve just now initiated the transfer. This is six days after I got the first email saying they had initiated the transfer. Very disappointed in the service.
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so archaic
12 hours ago
Almost impossible to Qualify
They will reject you if you basically have any debt (the whole purpose of why I was applying to this loan) EVEN if you have an impeccable credit score (and I have over a million dollars in equity in my home). They keep saying my income is too burdened by debt. First of call my DTI ratio should qualify for this, and the debt I DO have would immediately be taken care of by this loan. I am not sure who ever qualifies for these loans other than people who really don't need them. Very scammy and misleading!
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michael thomson hilary grenier
2 days ago
We started our Figure loan process on…
We started our Figure loan process on May 18, 2023 and just recieved our funding on the 8th of June. We filled out our initial paperwork and heard nothing. We contacted Figure three business days later to see if we needed to do anything else. Additional paperwork was sent to us as a result of that phone call, which we filled out immediately. We were approved for our loan on May 24th. We called on the 25th to make sure everything was received and to see if there were additional steps to take since we were on a tight time-line. We were sent a link to set up a notary, there was a 24 hour wait period for the appointment. On the 26th we had our appointment with the notary and the paperwork was sent in. I recieved text confirmation that day of our 3-day recession period starting with a "May 31st end date, you should see money in your account in about 5 business days". On the 1st of June I received an email stating "we are in the process of funding your loan, you should see funds in your bank account in 3-5 business days". Since then we have contacted Figure multiple times. On the 6th we were told by Figure to contact our personal bank, which we did, to check on the ACH. We contacted Figure after talking with the bank and asked for tracking information and were told there was no tracking information for the ACH. Yesterday the 7th, I recieved another email saying we should see funds in 2-3 business days. During this process we spoke to a number of friendly people, but this loan was not funded in the time they initially said it would be. This cost us an additional $5,500 in fees for the loan we were paying off with these funds. Now we have 2 loan payments we are going to have to make every month. We feel as though the ball was dropped multiple times during our loan process. There was a federal holiday in this time period, but that was ONLY 1 business day. The funding shouldn't have taken this long according to what Figure advertises as having funds in 5 days.
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peter
2 days ago
Be careful using this company
The whole experience with this company has been awful. From the initial application, the funding, their website, making payments, to making additional draws. They say your funds will process in 3 to 5 business days. I requested a funds transfer on June 1 and on June 7 I got an email saying it’s in process and will take 2 to 3 business days. That’s after I called them on June 7th. They try to be automated but none of the automation works. I recommend you follow up with every single request with this company. Everything seems to fall through the cracks. Not a single transaction has gone through as expected, you have to stay on top of them.
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s passehl
4 days ago
I can't believe how efficient and fast…
I can't believe how efficient and fast these folks are. 2 top lenders in the mortgage realm dragged their feet hoping I would give up my 2 percent mortgage with a growing $200K of equity in my home. But the folks at Figure new what my goal was in trying to get some money to pay off some debt and fix up my kitchen a bit. Me and my wife are thrilled and I would highly recommend them over Rocket and or Discover.
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simcha
5 days ago
HE loan from start to funding in record time!
The HE loan was approved and a Notary appointment made within 5 days with rapid verification of documents and income, assets, appraisal etc - all without any need for phone calls and mysterious delays. Amazing technology and a competitive rate that was half the personal loan rates I was being offered elsewhere for debt consolidation.
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kenneth brown
6 days ago
The whole process was so effortless
The whole process was so effortless! Caitlyn Halmans told me about Figure when she heard that we were in the market for a home equity line of credit. It was everything she described and more. I was blown away by how quick and easy the process was. I was also blown away by the awesome customer service from everyone involved!
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donald sketas
7 days ago
Figure Is The Real Deal!
Fast, smooth and great communication! Uploading all the requested documents was simple and quick! Have any questions? For a virtual company, you can speak with a "live" person when need be. I received my funding in less than a month and never had to leave my house. All signing is done on-line and is secure. Figure is the real deal!
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todd tenhet
8 days ago
Flood Insurance scam!
I was told i had 30 days in a written letter to get flood insurance. I got and sent them within 3 weeks my flood insurance. The day after my flood policy started they sent me a $3,000+ bill for the three months I didn't have flood insurance. So basically I had to pay for past flood insurance at 3X my current rate. My new flood policy is $800 for a year not $3000 for the past 3 months.
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corey ritter
8 days ago
Feels like a scam, getting jerked around. Have impeccable credit.
They don’t have a traditional application to fill out. Have to wait days and days for them to get back to you to ask for the next piece of information. They want your login to verify tax records. You’re forced into taking 100% of a HELOC upfront which defeats the purpose of a HELOC, except I was just planning to pay it back and then borrow as needed. They have no flexibility to do anything, everything is “automated system”
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amy weiss
9 days ago
Currently in the process of a HELOC
Currently in the process of a HELOC. One if the easiest transactions I have ever done.. everyone is friendly I have spoken to and the online process is beyond uncomplicated. Thank you! Amy W.
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zander bro
9 days ago
Slow payment transfer
Slow payment transfer. I just paid on Friday and it’s still not gone threw and it’s Thursday. High interest, terrible website. They make it to the point you can’t pay unless you log in, get a PIN number from your email and then you can log in.
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margareta paquin
10 days ago
Topnotch!
A wonderful experience from start to finish. EXCELLENT staff. Thanks again.
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teddy ritter
10 days ago
Super easy. Super Fast.
Super easy. Super fast. Awesome product.
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andrea corry
11 days ago
Easy to apply for funds and super fast…
Easy to apply for funds and super fast to receive them.
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meagan derewonko
17 days ago
All automated, not human
All automated, high interest, basically personal loans. Go anywhere else.
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mark sanders
16 days ago
My 1st loan that I applied for they…
My 1st loan that I applied for they approved me for $170,000.00, I didn’t like that amount and talked with an agent to see if they could raise it more, they said no, so I asked for my application to be cancelled. Then I thought I’d try and reapply again, this time they approved me for $550,000.00, so I said what the heck and pulled the trigger. I’ve completed every step, I’m only waiting for the funds to be deposited! Thanks Figure! I'm still scratching my head on why my loan qualification went from $170,000 to $550,000. but any case I got the loan.
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christopher farley
19 days ago
Easy loan process.
Easy loan process.
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james
20 days ago
Fast, easy, legit.
My experience with Figure was much faster than I expected. I applied on a weekend but the whole process only took 7 actual (not business) days. Figure did ask for a copy of my deed, and be prepared to prove who you are and what/where you own. which only seems safe and fair. I feel that some negative experiences can happen when someone says 3-5 days, they are setting unrealistic expectations. I have decent credit (714), low debt to income ratio and was able to provide everything Figure needed. With that said- they ARE LEGIT, and the process is light speed fast compared to most other funding sources. Thanks Figure.
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peg
20 days ago
Impossible online website access after you’re hooked! Run away!!
This is the worst company if you need to get in touch with a human! They only sign you up in auto pay then you can’t access your account to track what you owe or pay the loan off Walt. Do not wast your time and energy on an application!! It’s impossible to access a viable website to review your account and loan online. They make it as hard as possible for you to pay your loan off early so they can generate fees and interest!
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allan greentree
22 days ago
Got funding within 1 week of…
Got funding within 1 week of application. No issues whatsoever. I read the BBB reviews and they didn't persuade me, seems like most complaints stemmed from applications that weren't complete...
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bradley black
22 days ago
A seamless experience
A seamless experience. I would recommend to anyone who wants to avoid the hassles with a regular bank. Started the process on Saturday and was funded Thursday. Amazing staff support for any questions. 10 stars!!
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cliff
22 days ago
The ease of this group has made…
The ease of this group has made attaining a HELOC a smooth process 👍
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alison bell
23 days ago
Bad customer service
Bad customer service, and unknowledgeable associates.
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dean wilson
23 days ago
Extremely responsive
Extremely responsive, good terms and I was able to receive just the amount I needed. I would heartily recommend Figure to anyone.
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orlando hernandez
25 days ago
Easy process!
Fast, easy process, and very convenient.
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rlink
a month ago
Good line of credit, poor user experience once you have the credit.
I have a home equity line with Figure. It was an easy application process and came through in an emergency situation. Very happy with the loan itself. The biggest drawback is the lack of a mobile app to manage your line of credit. It's quite archaic that in 2023, such a fast and modern approval methodology would be undermined by the 1990's version of accessing your account information. Their website FAQ still mentions that they have a mobile app, but customer support confirmed that this no longer exists. Sadly, that means the only way to manage your account is to connect through the website and an email based code every time. No connection over to Mint or other money management solutions. Minus 2 stars for the lack of modern interfaces and integrations to manage finances effectively and efficiently.
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matthew bracken
a month ago
It was an easy process.
Everything went pretty smoothly. Had a little trouble linking my bank initially, but I don't think that was Figure's fault and it ended up working itself out. Once the application was done, I was able to speak with a notary immediately to get everything signed. After that, the funds hit my bank account in about 4 business days. All in all, the whole process to getting funded took just under a week. The communication from Figure was great. I was getting updates regularly through email so I always knew what was going on. So far my experience has been a good one.
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jacque d
a month ago
Incredibly efficient
Incredibly efficient. Applied on a Saturday, loan was funded the following Friday. Easiest loan I have ever applied for and I never even had to speak to anyone. Excellent product and I highly recommend/
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bassam safi
a month ago
An exception to the rule "if it's too good to be true"
To be honest I had my questions about the company as a whole (credibility, tenure..) simply because it seemed like too good to be true but after doing the research I found some great testimonials and some not so great reviews however I decided to continue the with the process of applying and sharing my personal info and then had some questions about the disclosure that took a couple of extra days to get answerers for but the folks I talked to on the phone were great and followed up which encouraged me to go through with the e-notary and the rest of the process was too good to be true but it was! It took about a week from start to finish (when I got my funding) and was seamless for the most part without too many documents needed, so I would thank you and great job!!
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tina j
a month ago
Just closed on my heloc with Figure and…
Just closed on my heloc with Figure and they are legit. We received our funds within 5 days of signing closing documents
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ayman koteish
a month ago
Most efficient
Most efficient; everyone should go Figure! Amazingly consumer friendly and designed to be so! No one is like Figure! Awesome !
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sal perrone
a month ago
I would recommend Figure to anyone…
I would recommend Figure to anyone applying for a loan. Their advertisement’s are right on the money. I have never never had such a stress free experience when applying for a home equity loan. Figure did 98% of the work for me while sat at home. After my loan was approved, funding took place on the second business day BRAVO!!!!!!!!!
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krishna
a month ago
Very easy process online
Very easy process online. Everything went very well snd quickly! Pleased with the Figure's efficiency.
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jake p
a month ago
Super fast process
Super fast process. I needed a HELOC for home improvement and extra-cash for an investment. The online process worked very well. I didn't encounter any bugs. We had an appraisal in 48 hrs, agreed upon the terms electronically, a field notary met me while I was traveling out of state. The paperwork was uploaded, and I received a deposit within 2-3 days. Overall only took 8-9 days from start to finish. I would highly recommend. The automatic payments setup was nice as well. I don't even have to think about it.
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customer
a month ago
Smooth experience
Easy to work with, professional personnel.
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marina
a month ago
Professional and fast loan process
This was a very easy transaction to secure a loan for a pool remodel HELOC loan Great rates easy on line management of loan process excellent customer service We are definitely very satisfied quick process highly recommend this for your loan needs
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brenda haymore
a month ago
Fast and reliable
My experience was a great move on my part. I was very happy with Figure. There was always someone to answer my questions. The best company to go for an equity loan.
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ht
a month ago
This company is a joke
This company is a joke. If I could give 0 stars I would. We got qualified to finance through them. My husband and I have perfect credit. We were using this money to put down on a business that we were buying. We gave them the details of when we would need the money and they said it was totally fine. Weeks go by and we have to keep reaching out to them to see what is taking so long to get the money. We then finally get a call back saying that they have ran out of money and we wouldn't be able to have the money until September or October. Mind you this was last year around June. What a joke. How do you have no money when you are approving people for money? Don't waste your time with them. Go with someone else!
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paul rogers
a month ago
Great experience!!
Great experience!!! Pleasant to work with and very fast delivery of funds...great job
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brian
a month ago
Highly recommend
Compared to other lenders, Figure was the fastest, easiest solution I was eSigning within 48 hours with very competitive rates.
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jorge hoyos
a month ago
Very quick and simple
Very quick and simple. Right to the point without adding some much fluff most bankers do. Really impress with the speed and very competitive interest rates.
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angie brown
2 months ago
Figure Rocks!
Best re-fi/equity process I've ever experienced and no my credit score did not drop after a pretty large pull out of equity. Go with them, stop looking.
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jose garza
2 months ago
Great & attentive
We have done business for a few years now and i have only great experiences up to this point. Most likely will recommend to family and friends...
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gabriel john stephen
2 months ago
Friendly
Friendly, Smooth, and easy!
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cyndi wilson
2 months ago
The ease of the entire process
The ease of the entire process
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richard anderson
2 months ago
Very easy and responsive.
Very easy and responsive.
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barbara thomas
2 months ago
My experience with Figure Lending LLC was very positive and frustration free.
My experience with Figure Lending LLC was an extremely positive one. Customer service was very helpful, and the entire process of applying and being approved for my home equity (Heloc) loan was expedited and frustration free.
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mr. right
2 months ago
You made it much easier lending process…
You made it much easier lending process by comparison to the traditional lenders. You have a sharp comparative edge. Keep up the good service. Thank you
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permjeet s
2 months ago
The process was super quick and…
The process was super quick and straight forward. They guide you through the entire application. The e-notary session was awesome. Really convenient. Got my cash within a week and could not be happier with the process.
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mark
2 months ago
The process was very easy
The process was very easy, everyone was was very helpful and professional Thank You. Great Experience
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george
2 months ago
Great customer support and service - very happy!!
The customer experience for my Chat session was fast, efficient and solved several problems at once. The agent was able to change a form value that was incorrect, as well has helping me login, and giving me accurate status on the loan application next steps. Thank you!!! Good work Figure.
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tim veach
2 months ago
Don't waste your 5 minutes - impossible to qualify even with 779 clean credit
I agree with people who say these guys are just gathering our personal info to share with their affiliates. I put in my app. They said I didn’t qualify... reason?Experian credit score and delinquent accounts??? I'm looking at my Experian report on Experian right now. My score is 779, no delinquent accounts. On a side note I'm only using 8% of my available credit. So if you have a credit score of 779 and no delinquent accounts you WON'T qualify for a Figure HELOC. It's unclear what you need to qualify. 850 score with zero revolving credit debt? Or maybe low score so you'd accept a lousy interest rate? Anyway, don't waste your time.
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george burton shaw
2 months ago
Great Staff of Friendly Patient People
It took a while but the Figure staff were available to answer any question about my application, and to do what's needed, rather than referring you elsewhere. The process went smoothly, even for the semi-computer-illiterate. Great people, good low rate, a pleasure to deal with. Thanks.
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jennifer
2 months ago
Meh.
I sent in insurance paperwork they requested. They charged me anyway for additional insurance. I finally got it straightened out. Next month rolls around, I see that they're going to pull out the additional amount again. I reach out AGAIN to get this resolved. Nope. Bye bye money.
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eric j. mckirdy
2 months ago
So easy!
So easy - I never had to set foot in a bank! This is delightfully disruptive to the financial services industry. I love it.
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rene garcia
2 months ago
I'm A Realtor for 30 years
I'm A Realtor for 30 years, and got loans with Figure already 2 times with no problems, and recommended them to friends and family. I have been trying to apply with them again for a 3rd time and its been a complete nightmare from the very beginning, even with a credit score of 800 and No debts its been a month a half, and I still haven't been able to get qualify. Most of the Customer associates you talk to sounded like they Couldn't Care Less. Never experience anything like this in my entire life. I just can't believe this is happening.
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jenny bruce
2 months ago
Absolutely a scam
Absolutely a scam - approved me and then told me I needed to resubmit my application to correct the disbursement account. This seemed like a waste of everyone's time and resources, but I did it. I spoke with the agent about cancelling and then resubmitted ALL WITHIN TEN MINUTES and they then denied me. I am pretty sure they just stole all my personal information and then had me cancel my application so they did not have to fund. DO NOT WORK WITH THESE PEOPLE!!! They also do not have dedicated agents so you are just talking to some random customer service person each time.
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jason chan
2 months ago
Fast and efficient approval process took only days to get the direct deposit
Loan was processed and money received within days. Highly efficient and automated process, only spent a few minutes online via webcam with the agent to notarize the loan. 1. Applied online evening of 4/3/2023 (Monday) 2. Had brief notarization session on 4/4/2023 at lunch via web cam (Tuesday) 3. Full loan amount deposited in bank on 4/7/2023 (Good Friday)
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richard leatherman
2 months ago
Horrible Outfit
The “fully funded” message appeared for many days, and nothing happened (no money in my bank account). My wife’s ID is a US “Green Card.” That was the only US ID she had. Figure said the photo was not good enough. I sent new cooies of the photo along with copies of her Costa Rica Passport and Health Card to support the US green card. Still not good enough. Ugh! Delay, delay, delay. I telephoned at least 4 times, and nothing happened. Each time I called or received an email, it was with a different person--I didn’t feel like I had an advocate at Figure. I will never recommend this outfit. Excessive “processing” time. Sloppy organization.
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david davidson
2 months ago
Everything went well
Everything went well. Paperwork signed in a timely manner. A little more correspondence after paperwork signed would be nice. That way there’s not a void until funds are deposited.
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scott schaible
2 months ago
Company will cheat you
I asked not to have the loan deposited by email as required by the contract within the specified period. I wanted to know if I qualified, but haven’t found the right home. They deposited anyway 3 days later, charging a daily interest fee plus 2% origination fee, and when I tried to wire it back, I received a notice that I couldn’t return it because my account wasn’t set up. Can you spell con job?
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mike w.
2 months ago
Terrific company and very smooth process!
Terrific company and very smooth, streamlined, fast process with excellent communication every step of the way. Exceeded expectations and we are very pleased. Thanks for making our experience a great one!
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tuan pham
2 months ago
Best Loan Process Experience
Most direct and simple experience I have had working with a loan process. Definitely the best.
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renee klipin
2 months ago
This is my second experience with…
This is my second experience with Figure. Glad to report the service, convenience and knowledge of the employees involved were terrific as the first time.
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charles hanks
2 months ago
awsome customer service
awsome customer service. very courteous employees. my needs were taken care of very expeditiousl
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susan english
2 months ago
I signed up for automatic payments
I signed up for automatic payments. I was assured that they would take the money from my account on the first - not before. This month they took the payment on the 29th. THAT IS NOT THE FIRST OF THE MONTH. Why assure and vow that the payment would not be taken before the first, and then do the opposite.
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kimberly booth
2 months ago
I have been shopping for a HELOC with…
I have been shopping for a HELOC with several lenders who have all extended offers to me. This one was a total waste of time. Called first to get terms and required credit score. The information I was given was completely inaccurate. Claimed I have adverse info on my credit report, but never could provide what that adverse information was. The rep said it would be uploaded to my dash board and it never was. I pulled the credit report myself prior to applying and nothing adverse is on it. This company uses "Bait and Switch" practices as well as providing misleading information. They do not use accurate property values either. Glad I found out before doing business with this company.
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claudia
2 months ago
Easy to work with
Easy to work with, great to deal with.
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cody hamilton
2 months ago
The process was easy
The process was easy, the closing was painless, I really enjoyed the way the loan went. The loan was funded quickly, just waiting for the slow bank transfer to get completed. The customer service was very good as well.
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gc
3 months ago
Very easy process
Very easy process. Everyone I dealt with was amazing. Easy to understand. Highly recommend!!!!
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katie
3 months ago
Easy application, but where’s our funding?
The application was mostly easy. There were a couple of hang ups that no on emailed or contacted us about, so I had to chat with someone to find out what the issue was. Was no one going to let us know? Got done with the notary signing and states loan has been funded, however here we are 8 days later and we do not have the funds in our account- where is it?
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julia
3 months ago
Really easy to work with
Really easy to work with
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robert
3 months ago
Fast approval and document prep
Fast approval and document prep. Had contact with 4 staff members, all were knowledgeable and pleasant. I highly recommend this lender.
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customer
3 months ago
Process was fast and very detailed…
Process was fast and very detailed information was easy to navigate. Very helpful and professional.
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cindy davis
3 months ago
That this company is helping me and I hope a lot of other people 😊
I am very happy with figure for my finances and hope to do more business in the future.
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troy luckett
3 months ago
Unbelievably Streamlined and Efficient
The process was streamlined and very simple. This was perhaps the easiest mortgage/HELOC I've ever experienced. I provided the basic information Figure needed, and they handled the rest. Although I am a full-time Federal employee, I also have a second private business that generates income I needed to have considered. Once I granted secure access to view my bank accounts for financial verification of my self-employment earnings, it simplified the entire process. Another lender was requesting profit-and-loss statements from the previous year, and YTD earnings. Figure was able to look at my 5-year-old accounts and see that the business was stable and consistent, and did not require these or any other items that needlessly slowed the process. Communication was clear and easy, and then entire process from application to funding in my bank account took 10 days, total. They even had an option where they sent someone to my home for closing, at a time of my choosing, making the entire process even more convenient. I would definitely use Figure for my next mortgage or HELOC experience. It really was an unbelievably easy loan to have funded! I still don't know how they did it.
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dillon corrington
3 months ago
Absolutely amazing and fast service…
Absolutely amazing and fast service with everyone I spoke with. Kept me updated on the process and before I knew it I was done. Thank you!
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matthew bailey
3 months ago
Figure has been prompt and courteous…
Figure has been prompt and courteous when informing me about my account.
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tammi mcglynn
3 months ago
Helpful
When I needed help, the customer service representatives were very kind and helpful.
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michael s.
3 months ago
This was the best experience!
This was the best experience! The entire process was easy to follow. Acquiring the necessary documents were simple procedures due to a very well structured web program. Start to finish was faster than I imagined.
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edward kahn
3 months ago
Honest and Smart Agents
At 1st I was reluctant, then was very satisfied and secure during the process. I was very surprised at their perfect handling of my loan, they are very careful with their money and do not take risks. I like them a lot and will pass them along to my Family and friends, mostly be patient and follow instructions, they are very helpful and smart, they know a good deal. Satisfied.
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gail spalding
3 months ago
Refunded with no quibble
Refunded with no quibble
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wendy m
3 months ago
What a wonderful loan experience!
Their heloc loan process could not have gone any smoother than it did. The application process is so quick and easy. After I met with a notary, there was a 3 day waiting period in case I changed my mind, then I received my funds 2 days later. I highly recommend using them. You won’t regret it!
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c. zeisloft
3 months ago
This is the easiest most seamless…
This is the easiest most seamless process! Follow all the instructions and Figure does all the work. I had a funds in my account within 6 business days. Great Job Figure!
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phillip kelman
3 months ago
What’s the catch???
Very, very streamlined experience. Honestly, almost seemed too easy. They do everything and in quick order. Great, hassle-free experience.
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m. griffin
3 months ago
Fast & Easy
Once the ball got rolling the process was fast and easy.
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mike g.
3 months ago
Everything was accomplished on line
Everything was accomplished on line. I did call to speak to a representative regarding a few questions I had, they were very knowledgeable and straight forward no pressure or any BS. I have already recommended them to a few friends and family. Would definitely do business with Figure again.
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sandra caraway
3 months ago
The entire process was excellent!!
The entire process was excellent!!! Customer service, application, understanding of the process, professional, secure which I really like. The time of process . Before I applied , I read the reviews and they were right. Great experience with Figure!
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shawn barat
3 months ago
Super easy experience!
After going through three days with another company of sending documents and "will they, won't they", within 15 minutes of work online, I was approved from Figure. I knew we had equity in our home that we could use and I'm so glad that Figure made the process SO easy.
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terry q.
3 months ago
struggled a little at first
struggled a little at first, but the staff that help me were great, and mad it easy to finish the application.
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allan
3 months ago
Horrible security
I recently applied, but as I'm in the computer security business, I took a critical look at their security. It's bad, and I suspect based on 1990 threat actors. We I called them about this, the lady said that they have to comply with HIPPA regulations and the company is based in Nevada. HIPPA applies to medical information and the companyh is in South Carolina. Go Figure! I withdrew my application.
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rachelle
4 months ago
The process of getting the HELOC loan…
The process of getting the HELOC loan was super easy and someone was always ready to answer questions and tell me next steps. I was nervous about it because I saw lots of bad reviews on the BBB site, but Bank Rate has Figure listed as one of the top HELOC loans. I found everyone to be helpful, straight forward, and the process to be fast! The notary met us within 5 days of my initial interest, and my loan was funded within 5 days after. I also like that this HELOC is different in that the interest rate does not fluctuate on the initial draw like it does for traditional HELOC.The notary was also very kind and met us at my wife’s work to get everything signed. Thank you Figure!
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patricia
4 months ago
Very friendly customer service
Very friendly customer service. Extremely helpful. Very happy with them
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so archaic
4 months ago
Denied yet does not have accurate info about my income
I was denied just in their one minute auto pre qualify even though I have never been rejected for a loan before. It had to do with them doing some AI or auto check with Experien and then saying I have too much strain on my income, which I assume is the debt that I am seeking a heloc to GET RID OF...I didn't even get a chance to upload my paystubs which show my income. And I have an excellent credit score. Therefore, if you are seeking this loan to pay off debt it is a WASTE OF TIME since they consider that debt and not your current income. Experien has no knowledge of my current income. This is when auto stuff becomes an issue. Very misleading advertising.
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matt miller
4 months ago
Totally automated, So sorry
We applied and were told that our property was ineligible. This has to do with my profession and how it is listed through the county. So according to Bill at customer service. Their system is entirely automated and the there is nothing they could do to help us. Not because there was an issue with our credit or income. Bill confirmed that this had occurred before and was a known issue, yet they were unwilling to try to find a solution.
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james
4 months ago
My experience with Figure was awesome…
My experience with Figure was awesome and very uncomplicated.
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customer
4 months ago
Was very convenient and an easy process.
Was very convenient and an easy process.
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diane morales
4 months ago
Agents were very polite and the process…
Agents were very polite and the process was unbelievable so fast within a week I had my money 👍