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Figure Pay Review

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Reviews 1,985

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Figure
Michael Graw
Michael Graw
Nov. 28, 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
Figureat 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 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
    Wendi Harville
    Sep 23, 2022
    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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  • author
    Gary Fayette
    Jan 01, 1970
    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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  • author
    Rosalind Parrish-Brown
    2 days 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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  • author
    MA
    Jan 01, 1970
    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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  • author
    PK Sanders
    Jan 01, 1970
    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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  • author
    E. Burdie
    Jan 01, 1970
    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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  • author
    Lynn
    Sep 22, 2022
    Two thumbs 👍 👍

    Love! Quick application Fast approval fast deposit. No hassle no scam two thumbs up!

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  • author
    Joseph Cumer
    Sep 22, 2022
    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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  • author
    Chris
    Sep 22, 2022
    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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  • author
    Justin Aanes
    Sep 21, 2022
    I'm verry pleased with all aspects of…

    I'm verry pleased with all aspects of Figure

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  • author
    Brett Herzer
    Sep 20, 2022
    Responsive and very simple process

    Responsive and very simple process. Like going to Nordstrom versus JC Penney.

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  • author
    Robert Watkins
    Sep 20, 2022
    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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  • author
    Nbk21
    Sep 16, 2022
    Smooth Process

    This is our 2nd HELOC with Figure, and the process is always smooth and flawless.

    ...

  • author
    Crystal Sims
    Sep 15, 2022
    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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  • author
    Patricia Summers
    Sep 14, 2022
    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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  • author
    Cathy M.
    Sep 14, 2022
    The process with Figure was very smooth…

    The process with Figure was very smooth and easy! I would highly recommend.

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  • author
    Michael Mann
    Sep 13, 2022
    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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  • author
    Ginger Frias
    Sep 12, 2022
    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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  • author
    Laurie & Dave
    Sep 09, 2022
    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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  • author
    Dennis Haussmann
    Sep 23, 2022
    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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  • author
    Jon Weidow
    Sep 07, 2022
    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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  • author
    Aurora M
    Sep 06, 2022
    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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  • author
    Joseph grier
    Sep 05, 2022
    Good digital experience.

    Good rate. Fast process. Easy to follow.

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  • author
    Bruce Gery
    Sep 05, 2022
    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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  • author
    Mister Pete
    Sep 04, 2022
    Easy Process

    Fast, Efficient, Easy Process.

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  • author
    Lelia
    Sep 02, 2022
    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!

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  • author
    Brenda A
    Sep 02, 2022
    The easiest process I have EVER had…

    The easiest process I have EVER had with a financial institution. Very impressed. Didn’t have to sit on hold or wait for an appointment with a notary. Everything happened as advertised. Funds within 5 days. Wow!

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  • author
    Jeff
    Aug 30, 2022
    Super experience

    Super experience. The process was easy. All of the agents I worked with either in chat or over the phone were extremely professional and efficient and I was able to be approved and receive the necessary funds quickly. Thank you.

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  • author
    Ann Burns
    Aug 30, 2022
    Good experience.

    I had a good experience. When I called the office, I had component help from the people I spoke with and they helped me.

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  • author
    Sally Carey Camp
    Aug 30, 2022
    Easiest 2nd mortgage ever!

    Very clear, timely process. Easiest 2nd mortgage I have ever gotten!

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  • author
    Deirdre Daly
    Aug 30, 2022
    Refreshingly, Smooth Process

    I have to admit when I first reached out to Figure I was dreading the encounter based on my past experiences. I was so surprised by the ease of the online forms and requested information, the courtesy of the staff I encountered and how quickly the funds were dispersed..the experience was so awesome!! The only hiccup encountered was on my end as I didn't have a web camera hooked up and my phone wasn't cooperating..definitely operator error..me!! lol. I am recommending Figure to my family and friends if they are considering a home equity loan or line of credit. I want to thank Figure for the ease of the process, the friendliness, professionalism, and quality of the staff who work with us sometimes technically challenged customers - my experience was as I said a 'refreshingly, smooth process'!! Thank you!!

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  • author
    Thomas H
    Aug 28, 2022
    Easiest, quickest loan process EVER with great rate and terms. Legit!

    I wasn’t too sure when I started looking at a loan with Figure, but sure enough, not only legit, but the easiest process I’ve ever done for a loan. And for a HELOC. Excellent rate and terms, but the best part was most definitely how easy it was online. The notary part was a short video chat, also extremely easy. Could not be happier with the process and the results. Definitely will use them again in the future if needed.

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  • author
    Chris
    Aug 26, 2022
    Does not follow through

    I expected more since CreditKarma recommended Figure but they promised a $200 Amazon gift card for signing up but it's been over a month and no gift card, and their excuse is the web site is down and we're working on it. So either they have the worst IT development team or this was all BS and they hope I forget.

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  • author
    Justin White
    Aug 26, 2022
    Best Digital Financial Product I've Ever Used

    After large banks dragged their feet processing our application for over a month Figure was able to seamlessly complete the application and approval process in a matter of hours and delivered our initial draw funds 4 days after approval.

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  • author
    Consumer
    Aug 25, 2022
    Caveat emptor - Borrower beware

    Seems bogus. They tease with great rates and a loan up to 400K, then hit you with the bait & switch (higher rates, lower loan amount plus origination fee). I am an A+ borrower and won't do business with them. There are many other solid HELOC lenders out there (like Chartway, Bethpage, Pen Fed, First Citizens, Flagstar, etc.).

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  • author
    Franc Zupancic
    Aug 24, 2022
    FIGURE… BANKING FUTURE

    Amazing… Traditional banking and complicated ‘applications’ are done (for me). FIGURE is future… Congrats for incredible job & THANK YOU. I’m your (new) customer for rest of my life. Franc Zupancic Boynton Beach, Florida

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  • author
    Michael Keller
    Aug 24, 2022
    Effortless

    Effortless, fast, easy to understand, just a great experience for us.

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  • author
    Cane
    Aug 23, 2022
    Everyone was very knowledgeable and…

    Everyone was very knowledgeable and eager to help. It was a simple straightforward process and the ability to just send a chat message to customer service agent when needed resolved the only snag I ran into with a document. Would definitely use again.

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  • author
    John Dean
    Aug 23, 2022
    Figure guides you from start to finish.

    Figure guides you from start to finish. Only a few documents were needed and the deposit was in the my bank in about 2 weeks. Before that, a well known bank kept stalling after 2 months with outdated methods. Figure uses advanced technology for rapid completion of the loan. Everyone was friendly and helpful. I would never consider any other source for a loan.

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  • author
    Maria Copeland
    Aug 23, 2022
    I was so fortunate to find Figure

    I was so fortunate to find Figure. The application process was a breeze and now less than a week later I have funds. Figure offered significantly better rates than competitors. Highly recommend!

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  • author
    Eddy
    Aug 22, 2022
    Figure helped me figure out what I needed

    I needed a personal loan to reduce some debt and make home improvements and Figure helped me figure it out quickly and easily. They gave me a long-term loan at a low rate so I wasn't choked in payments and made the who process amazingly simple. I have had other loans out with other companies but what makes them stand out is three things the low rates, long-term payment options, and how fast & easy the whole process was. Thank you Figure for helping me figure things out.

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  • author
    Francisco Rodriguez
    Aug 22, 2022
    Easy and fast process

    The process was easy and all the people I work with was very helpful.

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  • author
    DONALD
    Aug 18, 2022
    Very Satisfied

    I simply have no complaints I am totally satisfied.

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  • author
    diverdown
    Aug 17, 2022
    This is my second loan in under 2…

    This is my second loan in under 2 months with them nd I would use them again in a heartbeat. The process is beyond easy, fast and not once after the day I applied and met did the exact half dozen simple qualifying steps did I get that stupid aXX call from the broker saying "all looks good, except the underwriter is just asking for one more simple thing and we are good to go" and then you get that call 5 times over the next 2 weeks always while you're out of town and don't have the stupid thing they want. They guys are great and never leave you why underwriting doesn't go thru youre whole packet and give one list of whatever the need so you can back in one 10 session at your file cabinet....instead they hit a point of wanting something, stop freakn dead, look and nothing else and wait 3 days til you give them a stupid letter...lol

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  • author
    Hadun
    Aug 17, 2022
    Thomas Horne of Figure.com provided the…

    Thomas Horne of Figure.com provided the best customer service I have ever experienced!! Thoughtful, professional, patient, helpful and kind. You can't asked for anything more in a customer service representative and Mr. Horne provided that and more! I truly appreciated his service!

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  • author
    MWilliams
    Aug 16, 2022
    links to verify income did not work and…

    links to verify income did not work and kept giving the run around on verifying pay...several back and forth with them lying several times. I'd stay away from this company, complete frauds.

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  • author
    Gary Gyrion
    Aug 16, 2022
    A-1 Figure

    I had to jump through a lot of loopholes in the beginning with bank verification, but figure was always on the other side of the phone to help me along. It was very appreciated. Figure is a great company to work with and has a great staff.

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  • author
    Sunil Maulik
    Aug 16, 2022
    Outstanding experience!

    Outstanding experience and completely smooth and transparent. Even signing the docs was easy as they sent a notary to my home. Can’t recommend Figure.com highly enough!

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  • author
    Laura Stephenson
    Aug 14, 2022
    Great customer service and a super easy…

    Great customer service and a super easy process made getting a heloc on a sunday not only possible but super easy as well.

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  • author
    Vicki Brown
    Aug 12, 2022
    I would never recommend Figure to…

    I would never recommend Figure to anyone The website is buggy. I keep clicking things that don't work or throw errors. I should not need to go to Chat for help with using a web site. I am also VERY UNHAPPY with the rate and the process. We took out a HELOC at 7.16%. Unlike HELOCs from other institutions, all of the money is deposited to your account when the loan is funded. We weren't ready to use it yet, so we "put it back" for a month and a half to avoid paying interest on money we weren't using. That was a BIG mistake. Two months later, the interest rate has gone up 1.5%. I'm sure this is buried in the documentation but Yowza. Most loans lock in a rate when you get the loan. So, our plan to save a few hundred dollars turned into a loss of a few thousand. NOT GOOD. We needed a loan and we got one. There were fewer hoops to jump through than with our bank. Those make Figure worth two stars. But we will never use them again and wouldn't recommend them to anyone.

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  • author
    Ron
    Aug 11, 2022
    The process was extremely efficient and…

    The process was extremely efficient and fast. I compared Figure to several other banking options, and they were the best option and delivered as advertised.

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  • author
    Havier Cervantes
    Aug 10, 2022
    Great experience

    Great experience. Fast process.

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  • author
    Curtisw Williams
    Aug 09, 2022
    Excellent process.

    I’ve only begun the journey with figure but the process has been phenomenal to date. Thank you.

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  • author
    Keith
    Aug 09, 2022
    Very Fast & Easy

    I saw an ad on the TV on a Saturday night, I then applied on Saturday night and was approved by Sunday morning. The paperwork was completed on Tuesday morning and the funds were in my bank account the following Monday afternoon. I can't believe how easy and fast the process was. I actually was thinking it may have been a scam after I started the process because it was so easy. Highly recommend!!!!!

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  • author
    Tom V
    Aug 06, 2022
    Great HELOC Execution

    I am Now a bigger fan of Blockchain technology. Your execution of this HELOC was flawless and very comfortable. Great Rate, good terms and I would share with others. Thanks Tom V

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  • author
    Ryan Grier
    Aug 05, 2022
    Amazing customer service and fast…

    Amazing customer service and fast approval!

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  • author
    Jose Valencia
    Aug 04, 2022
    Simple and quick process!

    Simple and quick process! I would recommend Figure to anyone who is thinking about a HELOC loan, I don’t think I ever had and application approved and funded so quickly in my life. Thank you!

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  • author
    Kenia Adonis
    Aug 03, 2022
    I want to thank you Inter opportunity…

    I want to thank you Inter opportunity your company is giving us. My first impression was the easy that was to apply. The only concern is the high interest But other than that, excellent customer service, specially from Sarah. Thank you again

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  • author
    Michael Esau
    Aug 03, 2022
    Everyone was so helpful Thank You for…

    Everyone was so helpful Thank You for an awesome experience

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  • author
    Marcus Arkan
    Aug 03, 2022
    These guys are a joke!!

    These guys are a joke!!! I applied, and they denied my application because they valued my house based on what I bought nearly two years ago in palm beach, Florida. Think about that for a second, and they’re stating my house didn’t increase even a single dollar in value since I bought it during a time when inflation is rampant??!!! Their marketing is pure manipulative!! I got my HELOC with another lender that got me prime plus one, and they were trying to charge me nearly 8%!! Someone with top-tier credit, and income. Go Figure!!!!!!

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  • author
    Vincent Morosini
    Aug 02, 2022
    Stay away from Bank of America

    I first went to BOA for the HELOC. They told me 6 weeks. Plus they asked for tons of paperwork. As a bartender most of my income is cash. On paper I don't make a lot. I found figure they went off my bank account and in 5 days I got my money 💰💰. Thank God they saved the day.

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  • author
    Raymond Gaines
    Aug 02, 2022
    This was a very easy process

    This was a very easy process. Everyone is very polite and very helpful..two thumbs up.

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  • author
    Mike
    Aug 01, 2022
    After applying for a HELOC

    After applying for a HELOC, being denied with a 812 credit score, being told later there was a "glitche", to apply again, 6 requests to have my personal data purged from their databases and any source that stores information, was denied. This company is a data collector and unless you live in CA you have no recourse. Other states need to adopt the CCPA. Awful experience! 😡

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  • author
    Tonya
    Jul 30, 2022
    Incredibly easy and fast

    Incredibly easy and fast. Thank you!

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  • author
    Lori
    Jul 29, 2022
    Very easy process and any questions…

    Very easy process and any questions were answered promptly.

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  • author
    Clifford Lewis
    Jul 29, 2022
    Great job. I would do it again.

    Great job. Easy process. From start to finish 4 days. I signed with a motor on a Sunday and my 3 days to cancel on Wednesday, and the deposit was in my preferred bank Thursday.

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  • author
    Thomas Dillie
    Jul 28, 2022
    The process from beginning to end was…

    The process from beginning to end was Outstanding!

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  • author
    Manuel Canary
    Jul 26, 2022
    It’s easy to borrow money when you…

    It’s easy to borrow money when you qualify and submit all the requirements that needs.

    ...

  • author
    Michael Maziarek
    Jul 26, 2022
    Experience couldn't be better!

    We are very happy with the entire experience we had in applying for a HELOC with Figure. The application process was quick and easy to complete. We had some questions about the application and found the support staff for Figure to be very knowledgeable and helpful. They really made us feel that our business and satisfaction were important to them. We strongly encourage anyone in need of a home equity loan to deal with Figure.

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  • author
    William Sayer
    Jul 26, 2022
    Total garbage

    Total garbage. Go to a real bank that might actually help you. I thought in todays world i could do a HELOC from my computer, and they make it sound that easy, then kick you to the curb if they don't think you'll make them rich enough. Hey, I'll give my money to someone who wants it. Total garbage. Then to ice the cake, they jump on the opportunity to handle a negative review so nobody sees it, rather than deal with the impersonal heartless business practices. I guess protecting their reputation is more pertinent than building a good one. Confusing! No I don't need to to read to me what a Robot decided for you. I know where you left me, that's all that matters. If you would like me to explain the choices of a human vs the computation of a Robot, please let me know. I would gladly take time out of my day to explain concepts like humanity, compassion, caring, community, empowerment, FRIENDS, and choice.

    ...

  • author
    Jessica Jones
    Jul 23, 2022
    Nice and easy people to work with…

    Nice and easy people to work with process was quick and helpful at every step of the way

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  • author
    Rick
    Jul 23, 2022
    my first online loan on a computer , with out going to bank ,

    this is my first time with an online lender , but i think that they are honest and very helpful , i have not that much computer experiance and they are thoughtful and curtious in ther dealings with me , it makes me fell that all concerned are on the level , and trustworthy ,

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  • author
    Percy Cabrera
    Jul 21, 2022
    Great experience

    Great experience, easy and expedite process. Superb customer service. I highly recommend this company if you are looking for overall results

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  • author
    Dwanette Stokes
    Jul 20, 2022
    Sorry, but....... not a good response

    Sorry, but..... seems to be their go to when they don't have a fair answer to a question. You need to update your automated system to address some of the issues people are having. I realize your automated process is what allows you to fund so quickly, but a personal touch is also helpful for some situations. Not everyone fits into a certain mold. My situation was that I applied with the traditional mold items and it came down to that did not fit my situation because of the state that I live in. I was approved with everything that I put into their system and was later told that the loans are not joint and that I could not count my spouses income in my state. Stupid. Your loans should be joint as most households are joint and their income is just that. I do have one other complaint and that is whatever you use for appraisal of properties is not a good one. Your system valued my house 40% lower than what is the average for my area and my house is just that average. Maybe with some improvements you can get some of the negatives to positives. I realize you have more positives, but there are more people out there that you could help.

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  • author
    KB
    Jul 19, 2022
    Beware predatory lending!!

    Only use them if you really want to waste thousands upon thousands of dollars. When we signed up for this we thought we were getting a great deal however once we started making payments and looking at statements and realize that out of a $492 payment they were only putting $43 towards the principal is when we realized we were being screwed. During the signing process and details it does not tell you that they’re only going to put such a small amount towards the principal otherwise we would’ve never signed up, this is a prime example of predatory lending and I pray to God that we can get out of this sooner than the 30 years we signed up for.

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  • author
    Dorine
    Jul 16, 2022
    HORRIBLE online process

    HORRIBLE online process, issues verifying ID, want you to "link" your financial institutions & IRS accounts to verify income. Too much like an online SCAMMER to be a true lender. They used very old out dated information from Experian on a closed loan over 10 years old. CoreLogic is a horrible valuation company. Their data is so outdated it's unreal. 3 different people have been on the "chat" feature. Which makes it feel even more like a SCAM. The inability to manually upload documentation is another red flag. I won't use this company and I advise others to be very careful with their information.

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  • author
    Terry Harris
    Jul 15, 2022
    I asked them to stop direct payments…

    I asked them to stop direct payments from my checking account! They said ok and. Took the 901 out anyway! So today I will be closing that account!

    ...

  • author
    Dennis Koolhaas
    Jul 13, 2022
    Fast and efficient

    Fast and efficient! All of the interactions have been great, most recently with Carlos. Their information is clear and understandable, their process flawless.

    ...

  • author
    Lawrence Caparella
    Jul 13, 2022
    A no worries company Figure is from the…

    A no worries company Figure is from the start till present would recomend to my friends.

    ...

  • author
    Michael Hogains Sr
    Jul 13, 2022
    Very seamless and wonderful experience

    Very seamless and wonderful experience

    ...

  • author
    Scott Smith
    Jul 12, 2022
    Wonderful experience!

    The entire experience with Figure has been wonderful. From the initial phone call through the completion of funding they were available, caring and very competent. I would highly recommend Figure to anyone seeking this type of funding.

    ...

  • author
    Steven LaFata
    Jul 12, 2022
    Figure was fantastic

    Figure was fantastic! My ac died and living in Phoenix AZ you have to have ac, also the roof were the ac sits is bad and needs replacing. Figure application was fast and easy and I was approved in 5 minutes. All the customer service representatives were knowledgeable and listened to me about my needs. Way to go Figure!

    ...

  • author
    Ashley Miller
    Jul 08, 2022
    Very impressed with Figure Loans

    Very impressed with Figure Loans. The process was easy and fast. Customer service was awesome. Also, loved the ease of being able to do everything straight from my phone.

    ...

  • author
    P. Pape
    Jul 08, 2022
    Satisfied customer

    This is my first experience with Figure.com and I couldn’t be more pleased. The process was simple and fast and the customer service agents I spoke with were professional, helpful, great listeners and friendly.

    ...

  • author
    Nika Perkins
    Jul 08, 2022
    This was the best experience I've ever…

    This was the best experience I've ever had with a lender. Great terms, quick process, and completely online!

    ...

  • author
    Debbie Spiegel
    Jul 07, 2022
    Very Smooth

    The loan HELOC application to funding was very smooth and customer service was excellent. Highly recommend.

    ...

  • author
    Ruth Thigpen
    Jul 07, 2022
    Outstanding process

    Outstanding process! I applied for a HELOC loan thinking it would take at least a couple of weeks. It only took five days from start to finish. I highly recommend Figure Lending.

    ...

  • author
    Tracy
    Jul 07, 2022
    Service

    Process was very fast, minimal time to complete the entire loan.

    ...

  • author
    Robert Rising
    Jul 07, 2022
    Figure Lones

    Figure is all some l would do it agane so if you are thing about it go for it .

    ...

  • author
    Robert and Melissa Dull
    Jul 06, 2022
    Convenient and Quick

    The process was easy, entirely online and we were able to complete with an eNotary on-demand which was very convenient. The chat assistants were very helpful. The only area of improvement would be for them to be better about emailing if there is a hang up. I had to chase down the delay through Chat to find out they needed additional documents.

    ...

  • author
    Robert Aubry
    Jul 06, 2022
    Very easy to work with.

    Very easy to work with.

    ...

  • author
    Susan Raybuck
    Jul 03, 2022
    Hands down the fastest

    Hands down the fastest, best loan experience I have ever had in over 40 plus years. Staff extremely courteous and personable. Would absolutely use again and tell anyone not to look anywhere else for HELOC loan.

    ...

  • author
    KR
    Jul 01, 2022
    Cadi went so far above and beyond!

    Cadi went so far above and beyond! Her thoughtfulness and resourcefulness made all the difference for us. She treated us with true humanity, listening carefully to the situation we were facing -- and she did the hard work and due diligence needed to take our application to the next level. And she even followed up on several fronts for us, calling back to ensure we had everything lined up in a tight timeframe. We are so grateful to Cadi for making it all possible! Thank you!

    ...

  • author
    FREDERICK AGYEIBI
    Jun 29, 2022
    HELOC with figure.

    This is the most simplest and straight forward transaction i have dealt with so far.

    ...

  • author
    Will Tacs
    Jun 29, 2022
    Amazing fast.....

    Amazing fast.....

    ...

  • author
    W. K. Curry
    Jun 29, 2022
    No complaints

    No complaints. The Figure team made everything clear, simple, and straightforward as any group I've ever encountered.

    ...

  • author
    Duc Le
    Jun 28, 2022
    This is a very good company

    This is a very good company, has good service and funding.

    ...

  • author
    David Oslund
    Jun 28, 2022
    It was a easy

    It was a easy , fast way to get our loan. Everyone was very helpful and professional. Thank you for a great experience.

    ...

  • author
    Richard Hoadley
    Jun 28, 2022
    Amazing experience!!

    I’ve never used an online lending company, Only my local credit union, so I was skeptical at first. I started the Application and from there the entire process was super easy. Anytime I had a question I called/chatted and there was someone there immediately to help me. I honestly couldn’t be any happier With this experience. I’ve already told friends and family members about Figure! HIGHLY RECOMMEND!!

    ...

  • author
    Cathy
    Jun 28, 2022
    I’m so glad I chose to go with Figure…

    I’m so glad I chose to go with Figure for my home equity line of credit. The process was easy and the funds were in my bank in less than 10 days. They were extremely helpful and responsive when I had questions. They saved me lots of money in interest without the need to lose my low rate on my existing mortgage.

    ...

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