Figure Review

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Reviews 1,495

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BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

Figure summary

Founded in 2018, Figure is a fintech company that has made a name for itself by using AI and blockchain to assess applications for home equity loans and mortgage refinancing. Now it is adding student loan refinancing to its list of products – with the promise of assessing refinance applicants quickly and with minimum hassle. Figure’s main target audience is Millennials with $55,000+ household income and a desire to buy their own home.

Pros

  • Quick, hassle-free application decision
  • No origination fees, prepayment fees, or late fees
  • Auto-pay discount of 0.25%

Cons

  • Not available in 18 states (but more states to come)
  • Rates not published on website

Suitable For?

As mentioned, Figure is targeting people aged 28-35 who are college educated, have at least $55,000 in annual household income, and are motivated by the desire to pay off their student debt so they can move into the next stage in life: home ownership. Figure aims to give aspiring homeowners an easy way to save money with a quick, pain-free student loan refinance at a lower interest rate than their original loans.

Loan Features

Figure stands for simplified student loan refinancing: simplified application, simplified fees, and a simplified single repayment instead of the multiple federal and private student loan payments you’re probably stuck with at present. Powered by advanced technologies like blockchain and artificial intelligence, Figure represents a new phase in consumer credit products – where automation works to the borrower’s advantage.

These are the highlights of Figure’s student loan refinancing service:

  • No prepayment, origination, or late fees
  • 0.25% APR discount when you set up auto pay
  • Up to 12 months of forbearance, upon request
  • Automated, paperless application, where Figure does all the legwork of collecting your documents
  • Refinancing of federal loans, private loans, or both
  • Lets users securely link their current student loan account(s) to apply
  • User-friendly personal dashboard that lets you track your application and payment status
  • Unlike some competitors, Figure services its own loans and supports borrowers the whole way through

The Application Process

The most noticeable aspect of the Figure student loan refinancing application process is that it’s really, really quick. Figure’s mission is to make it easier for student debt holders to refinance and it delivers on this by approving most applicants in minutes.

To get started, applicants need only fill out the bare basics to get an offer: name, date of birth, address, contact details, and annual gross income plus bonus. Figure’s powerful automated online assessment tool goes to work to pull up the rest of your details and make an assessment. If it can’t identify you from the information provided, it will ask you for your social security number or individual taxpayer identification number to help it complete the assessment.

To be eligible for student loan refinancing from Figure, you must be a US citizen or permanent residents that has graduated from a four-year or graduate Title IV school in the United States. Checking your rate won’t affect your credit score. However, if you decide to take a loan, Figure may conduct a hard credit pull – which will affect your score. On the downside, Figure doesn’t state its minimum credit score requirement. The only way to find out if you qualify is to apply.

Loan Terms, Amounts, and APR

Figure offers loan amounts of anywhere from $5,000 to $250,000. Repayment term options are 5, 7, 10, 15, or 20 years. Figure doesn’t publish APRs on its website; to find out your pre-qualified rate, you must submit an application. However, it holds out the promise of a superior APR to your old student loans.

How Safe Is It?

By automating the collection and uploading of your personal information, Figure keeps the exchange of personal details to a minimum – streamlining the application process and keeping applicants safer and more secure. Instead of asking you for extensive details, Figure extracts and uploads your details securely to its system. According to Figure, it uses a range of security and encryption techniques throughout the process to keep your data secure.

Rather than force each user to set up a password, Figure provides a link via email to access your account. To log into your dashboard, simply press the login button on the Figure website, enter your email address, and then go to your inbox to find the authentication link. By eliminating the need for passwords, Figure makes its system less vulnerable to hacking.

Help & Support

Although primarily an online operation, Figure provides telephone and email support. It enjoys a 4.8-star rating on Trustpilot, with 93% of customers rating it “Excellent” and only 3% “poor” or “bad”. Although Figure had only just launched its student loan refinancing platform before this review was published, it’s fair to assume its student loan platform will have the same strong level of customer service as its home equity and mortgage refinancing platforms.

To speak to a customer support rep about student loans refinancing, contact:

Phone: 888-819-6388, Mon-Sat, 6am – 6pm Pacific Time (not for use by New York borrowers).

Email: help@figure.com

Summary

Figure is known for disrupting the home equity loan and mortgage refinancing markets and now it is aiming to do the same to student loan refinancing. While Figure doesn’t necessarily offer the lowest rates or loosest eligibility requirements, it does offer one of the most attractive overall refinancing packages – with a lightning-quick approval process and no fees aside from the APR itself. It even offers a discount for setting up auto-pay, helping to reduce the overall cost of your student loans even further.

Physical Address

2019 Figure Technologies, Inc.

650 California Street, Suite 2700

San Francisco CA, 94108

BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

Figure
ExcellentReviews 1,495
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Trustpilot reviews

See what some costumers are saying about Figure
Figure
ExcellentReviews 1,495
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Excellent
90%
Great
3%
Average
1%
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5%
  • author
    Sarah Hanviriyapunt
    13 hours ago
    So fast and easy! Highly recommended

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

    ...

  • author
    Kelly Dao
    14 hours ago
    The best

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

    ...

  • author
    CMoudy
    2 days ago
    I can’t believe how easy this loan was

    I can’t believe how easy this loan was! My higher interest credit card bills are paid off now and I have one lower interest payment! I am a very happy customer! Thank you so much Figure👍

    ...

  • author
    Lane Blundell
    2 days ago
    Smooth, simple experience.

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

    ...

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

    I was shocked at the speed and ease of obtaining a loan. I have never received such fast, professional service from any lending institution. It is usually a long, drawn out process but not Figure. I'm a customer for life and will tell others about my experience. Thank you so much.

    ...

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

    Figure was fast and easy for this 76 year old! They do answer the phone, but most of what I needed was online. I was pleasantly surprised.

    ...

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

    Good to have someone that helps get finances back in order, due to curves that life may throw at you. I appreciate the Figure team for a seamless process.

    ...

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

    The representatives who help you on the telephone are exceptional! They are helpful, very professional, and patient. Especially, Shaniqua! It was a great experience overall. Much better than my experience with other personal loan companies. I would not hesitate to use their services in the future.

    ...

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

    Incredibly easy to secure the loan! VERY professional!! Everyone I spoke to/interacted with was VERY professional/knowledgeable/helpful! VERY pleased with the entire process! I will recommend Figure to any an all!!

    ...

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

    As a small business owner who periodically needs capital, I am so happy I found Figure. This is now my go-to source for funding. I’ve borrowed from them twice. They are fast, friendly and efficient — and their rates have been amazing. Buh-bye, hard money lenders.

    ...

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

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

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

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

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

    Easy to work with and the process is very simple.

    ...

  • author
    Kerri Versluys
    Oct 08, 2021
    I'm happy

    I'm a happy camper

    ...

  • author
    Kenneth
    Oct 08, 2021
    The entire Figure staff has been efficient & very helpful!

    The entire Figure staff has been extremely helpful throughout the entire process. And the website was very efficient and easy to navigate. 5 Stars to Figure!

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  • author
    Nancy Waldrep
    Oct 07, 2021
    I had trouble uploading my Photo ID and…

    I had trouble uploading my Photo ID and navigating the completion of the application, but I called customer service. Mari answered my distress call and walked me through the entire technical process. I am so appreciative of customer service personel, like Mari, who are knowledgeable, kind and patient and helped me complete the loan application. She was a blessing, and thanks to her, I will be receiving my loan within a 3 day period which will be deposited electronically, directly into my bank account. I have auto pay which is a real convenience for me as well. All of this thanks to Mari! Thanks,

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  • author
    Doris Cabezas
    Oct 07, 2021
    The process for applying was user…

    The process for applying was user friendly professional and quick. Thank you

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  • author
    Carlos Alvarez
    Oct 07, 2021
    Very profesional

    Very profesional, I would like to do more business with this institution in the near future.

    ...

  • author
    Scott Curto
    Oct 07, 2021
    Great from start to finish!!!!

    Great from start to finish!!!!

    ...

  • author
    Debbra Culbreath
    Oct 05, 2021
    Your process was quick

    Your process was quick, simple, and reasonable. You meet my needs to consolidate and save monthly at the same time.

    ...

  • author
    Emanuel Cruz
    Oct 05, 2021
    The online process was Excellent and…

    The online process was Excellent and simple highly recommended!!!!

    ...

  • author
    Jordy Wallace
    Oct 04, 2021
    Easy to use website! Great customer Service!!!

    Easy to use website! Was a simple process & everything was setup to make applying & getting a loan a easy process. Will use it future again!!!

    ...

  • author
    Joe
    Oct 04, 2021
    highly recommended for people trying to get out of debt

    The online process was good and simple. I paid off all of my credit cards to one monthly payment with Figure. I highly recommend them. My credit score also went up a bunch (from high 600 to high 700) after consolidating my loans. The monthly payment would also be cheaper than what I paid the debt accounts individually. This is considered a personal loan not a consolidation loan, so looks good on your credit report. I am very pleased and happy that I could trash my high interest credit card debts that were never getting paid off. Five years I should be debt free with Figure! The only thing I would like to see is that we can make bi-weekly payments instead of one. If we pay early they still will take out the total amount on the due date. I get paid every two weeks and this would be a good suggestion.

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  • author
    Alan Kims
    Oct 03, 2021
    Some mishaps took paces

    Some mishaps took paces - pages did not come up accordingly after clicks

    ...

  • author
    Steven Moss
    Oct 03, 2021
    One of the easiest companies to do…

    One of the easiest companies to do business with!

    ...

  • author
    Berta
    Oct 03, 2021
    Great Experience with Figure

    My experience with Figure was great! They processed my application in good time and were very courteous and professional. I have already recommended them to two people. I definitely will keep them in mind if I ever need them again! Thanks everyone!

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  • author
    Chapman
    Oct 02, 2021
    I am glad

    I am glad that this company was recommended to me. Really profitable

    ...

  • author
    Susie
    Oct 02, 2021
    Fast

    Fast, easy, and convenient!

    ...

  • author
    Ryon J. Sharette
    Oct 02, 2021
    No way to account for crypto assets.

    I got screwed out of 15,000 because I counted my staked crypto earnings as part of my income and there was no way to verify that. I sent “feedback to the CEO” that read - “You claim to be powered by Blockchain, but your company doesn’t allow crypto currencies to count as assets when verifying income for a loan. Seems like a conflict of ideals. I was approved for a $40,000 loan based on an income of 106k. Then I’m asked to verify income. Attaching my checking auto verified 98k. The rest of my income comes from blockchain staking where I have ~ $100k worth, depending on market. You can attach stock assets through standard banks, but there’s no way of claiming income through crypto assets? To a bank “powered by blockchain”? Moreover, instead of my approved loan of 40k falling proportionately, say down to $36000, my loan falls all the way to $25k. It feels like I’m being punished disproportionately just for thinking as future-mindedly as this company pretends to be. I get that crypto is volatile, but it should count for SOMETHING.” I got a curt form letter back saying “Figure provides applicants numerous options for income verification and allows multiple sources to be linked. Linkage of tax returns or Payroll Provider, and Financial Institution is required to verify your stated income.” Notice that was something I already knew and doesn’t address my problem at all. Some of my income isn’t in US dollars. If they won’t recognize my crypto assets, they should at least honor a loan for 98k worth of assets. My verified income was less than a 10% difference from the income I originally claimed and the income they found. But my approved loan offer dropped by 40%!

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  • author
    Alan Margolies
    Oct 01, 2021
    Fantastic experience

    Fantastic experience. It was very quick and the support people were very nice and helpful Thank you

    ...

  • author
    Bradford Smith
    Oct 01, 2021
    Good experience!

    Good experience!

    ...

  • author
    Christopher Wright
    Oct 01, 2021
    I am extremely grateful for Figure

    I am extremely grateful for Figure. The loan process was seamless, strait forward and simple. Their staff is extremely bright, professional, and a delight to work with. The loan amount was generous and the repayment terms optimal compared to other lenders. I will be using them again in the future and have already referred them to a friend.

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  • author
    david smith
    Sep 30, 2021
    Extremely quick and easy

    Extremely quick and easy Fantastic results

    ...

  • author
    Bonnie Sonnenburg
    Sep 30, 2021
    Everyone has been friendly

    Everyone has been friendly, kind and spoke to me like I was important. Thank you

    ...

  • author
    Vishnu Gangaram
    Sep 30, 2021
    Super quick service

    Super quick service , this is my first time application for personal loan and I was a bit scared with all the questions and information I have to disperse of . But figure customer service was extremely prompt and very helpful every time I called , I highly recommended them … thanks again everyone

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  • author
    DC
    Sep 30, 2021
    Awesome experience

    Best experience ever!! The whole process from start to finish was very efficient and fast. You won't be disappointed.

    ...

  • author
    Lellita Morse
    Sep 30, 2021
    I applied for a loan yesterday…

    I applied for a loan yesterday (9/28/21), today the 29th, money was already in my bank acct. Now, that is what I called faster service! Thank you fir the quick service. I would definitely recommend to my friends , relatives, neighbors how wonderful your company is! Thank you very much!

    ...

  • author
    Mary
    Sep 29, 2021
    Not so satisfied

    It started off really promising however after several attempts to get the loan funded and wanting to make my first payment it was a nightmare. Their app was down and they would not take a payment over the phone all I wanted to do was make a payment and it was like an act of Congress to get it done. At this point I would not recommend.

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  • author
    Michael Moore
    Sep 29, 2021
    My experience at Figure has been a…Pleasant Surprise!

    My experience at Figure has been a pleasant surprise. Yes the process is waaaay faster and cleaner than other lenders, but what surprised me was the caring of each employee I’ve worked with so far. This team is the best!

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  • author
    Kenneth Bitner
    Sep 28, 2021
    You all screwed me over by putting the…

    You all screwed me over by putting the wrong land on the loan but I just found out you all put my land that has nothing to do with my house as collateral and put my house and land on it as well. That's sorry as hell and very unacceptable. Caused me to have to pay the loan off instead of getting my money for my property. Don't ask me to tell anyone about you all cause you damn sure won't like what I tell people. Yes I'm freaking pissed off and your sorry people lie like no other. 2 people was supposed to call me back but evidently they decided not too that's sorry as hell also.

    ...

  • author
    Ralph L
    Sep 28, 2021
    Exceptional experience in all aspects.

    Exceptional experience in all aspects.

    ...

  • author
    Danny Reese
    Sep 28, 2021
    Good experience

    Other than the lengthy waiting period to have my loan finalized, everything has been a good experience. A good rate on my loan too. Good work Figure!!

    ...

  • author
    NM
    Sep 28, 2021
    Figure’s model is first Class Service

    Figure’s model is first class service. I started my online application on Sunday and got to a point on application thinking the company is closed and I will finish up Monday. A helpful employee responded to my application less then 20 minutes on Sunday and that helped me continue my application for approval. The figure process by far has been the easiest loan process I have personally ever experienced. Thank You.

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  • author
    Juana Lopez
    Sep 28, 2021
    Wow I can’t because how easy and fast…

    Wow I can’t because how easy and fast the whole process was. I was skeptical at first.The bank had turned me down even though I had a lot of equity on my property. U guys are great. Now I can start a new chapter in my life, and start doing my home improvements and feel comfortable, happy in my home.

    ...

  • author
    William Downing
    Sep 28, 2021
    The total process from application to…

    The total process from application to being funded was three business days.Very simple process.Everyone I had contact with was a 10, very knowledgable and polite.Will recommend Figure for a personal loan.

    ...

  • author
    guillermo terrazas
    Sep 27, 2021
    I Hebe not problems at all when I was…

    I Hebe not problems at all when I was applying for my loan application, and I think this is an awesome company to do everything online, plus you can get all the help by phone also in case if you’re experiencing an issue with your paperwork, I’ll recommend to any person in need financial services. Thanks G Terrazas.

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  • author
    Damen Boatner
    Sep 25, 2021
    Very Easy to work website Figure is…

    Very Easy to work website Figure is using. They are the real deal! I shopped around for the right loan after being denied and I am more than glad I decided to try Figure. I recommend them to anyone looking for a loan.

    ...

  • author
    Kenneth Patton
    Sep 25, 2021
    Easy to work it!

    I would highly recommend to do business with figure as they are easy to work with and they are straight forward and you do not have to jump through a bunch of hoops to get funded. Very friendly and patient customer service and professional as well !

    ...

  • author
    B Sarmiento
    Sep 24, 2021
    This was the easiest process I have…

    This was the easiest process I have ever been through for this type of loan. They are also extremely communicative. I appreciate this kind of service more than anything and I would recommend them highly.

    ...

  • author
    Arturo
    Sep 24, 2021
    Easy process

    Easy process. Excellent team!

    ...

  • author
    David
    Sep 24, 2021
    Extremely pleased with having…

    Extremely pleased with having experience working with Figure for getting HELOC. The whole process was so easy and simple, and took only 5 business days to get funded. All Figure representatives I talked to are very friendly and helpful. I want thank Figure from bottom of my heart for getting HELOC so fast! Thank you.

    ...

  • author
    R. Jayapathy
    Sep 23, 2021
    Figure.com is the best

    Figure.com was very fast and easy to maneuver on their website. There response time was quick. Within a couple of days I was accepted and received funds for a personal loan. I called their personal representative regarding the details. Shaniqua was the personal representative who answered my call. She was very nice and professional and answered all my questions in detail. Her knowledge on the process was outstanding! I would recommend figure.com to anyone who needs a loan. It was refreshing talking to someone so positive. Thank you figure.com!!

    ...

  • author
    Veronica Panaroni
    Sep 23, 2021
    Wow this was so easy to apply and the…

    Wow this was so easy to apply and the whole process took less than a week! Outstanding

    ...

  • author
    D.B.
    Sep 23, 2021
    Incredibly fast

    Incredibly fast! I love that Figure doesn’t charge extra fees! I would definitely recommend! Very pleased!

    ...

  • author
    Jack Lazar
    Sep 23, 2021
    greatest on line loan available

    quick process fair rate considering my mediocre credit loan will help get me better credit trustworthy and efficient operation would choose as my first loan source and will use figure again in the future for sure

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  • author
    Betty Williams
    Sep 22, 2021
    They are great to work with.

    They are great to work with.

    ...

  • author
    A. Ez
    Sep 22, 2021
    Do not trust them

    Do not trust them! Horrible customer service and they do not care that you are a person calling in for help. Misinformation, impossible to get a hold of them, and changing of rules depending on who you are talking to. Go elsewhere!

    ...

  • author
    Isabel
    Sep 22, 2021
    Fast and easy to work with

    Fast and easy to work with. No hassles. No hidden fees.

    ...

  • author
    Debra C.
    Sep 21, 2021
    I hope Figure has stock for sale because they have created an OUTSTANDING service for consumers!! This is going to become a market leader in HELOC loans!

    I was trying to make a decision whether to refinance a mortgage or take out a home equity loan. I received a flyer from Figure in the mail and thought it sounded too good to be true because they said it was “simple.” Personal experience usually requires numerous documents, correspondence, phone calls, appraisals, fees and in person meetings to plan and finalize a mortgage deal. I looked the company up online and they had high reviews in the upper 4’s with many positive comments. So I responded to the marketing flyer and within about 30 minutes had my application complete for submission and the first draft credit approval. I was given multiple options to verify my income. I chose the direct link to my checking account (note: I reset security afterward) and within a couple minutes had my identify and income verified. I did need to find my warranty deed and scan/email it to them but as soon as that was completed, I was ready for the notary signing. All that was necessary was to place the call, verify my original identity and approve my documents verbally. I previously was sent a link to review all my loan docs so that call was a very simple process. I work in IT so few things impress me and my standards are high for effective business processes but they really did make the entire application, approval and finalization process —simple. Figure - you were really impressive! Thank you for making a complicated process easier by using technology. I did every part of it using my smartphone. Your communication with me via email through the process certainly helped too and my notary signing associate was very friendly! You have superbly broken down the complex barriers of completing the entire HELOC loan process.

    ...

  • author
    John Brewer
    Sep 21, 2021
    Seamless process from beginning to end

    Seamless process from beginning to end. Loan was funded in 4 business days after closing, and the application process only took one day. Can’t say enough good things about Figure.

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  • author
    David Canales
    Sep 21, 2021
    Absolutely the best

    Absolutely the best! Figure went beyond my expectations. Professional through and through. I did not think they were gonna make it happen but they come through when I needed them the must. I highly recommend Figure to anyone looking for a new and exciting way to get a personal loan. You won't be disappointed. 5 stars hands down! Thank you to the entire team at Figure. You guys rock!!!!

    ...

  • author
    Robert Salita
    Sep 20, 2021
    Unlocked Equity in Investment Property

    Previously it was not possible to secure a home equity loan because my home is rented out, an investment property. Every few years I looked for some solution to this issue. This time I stumbled across figure.com. Just like the 1000s of other reviewers, my account was funded within 48 hours. It would have been faster but figure.com needed to be prompted on how to verify deeds for properties in Cook County Illinois (hint: Cook County Clerk's Office).

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  • author
    Jerry Gallo
    Sep 19, 2021
    Wow that was easy

    Wow that was easy! Easy to understand, easy to apply, easy to qualify, just easy to do business. Amazing! Funded my loan. Time to upgrade my fleet vehicle. Thank you!!! Look forward to doing business with you guys.

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  • author
    Osmany Hoyos
    Sep 18, 2021
    Professional services

    The entire process passed very effectively and you provided me with all the necessary information and tools to obtain this loan.

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  • author
    Franklin
    Sep 18, 2021
    Personal Loan from Figure

    The loan process was simple and quick. Thank you Figure !

    ...

  • author
    Santa Ta
    Sep 16, 2021
    Easy to apply

    Easy to apply, great team, fast approval

    ...

  • author
    Denise Monaco
    Sep 16, 2021
    Exceptional service

    I have been in the mortgage industry for 35 years and this was the easiest, quickest transaction I have ever experienced and it was so easy, painless and the people very friendly! If I could give more than 5 stars I would!

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  • author
    Schakerra Starks
    Sep 16, 2021
    Omg I love Figure they are fast and…

    Omg I love Figure they are fast and customer friendly , omg I applied on a Monday , approved on a Tuesday and funds initiated on Wednesday, all thumbs up I would surely recommend them to anybody. I’m

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  • author
    Anthony Maldonado
    Sep 16, 2021
    Excellent Service

    Quick, fair and easy. Love the service and love the speed of the service that they give to the customer. Would definitely recommend to anyone in need of a loan. I’m definitely satisfied!

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  • author
    Jon James
    Sep 15, 2021
    Definitely an A+ experience

    Definitely an A+ experience, myself and my wife were feeling overwhelmed with credit card debt and needed to consolidate with a heloc loan on our 2nd property and figure stepped up and made it happen with ease and very pleasurable experience! Great job team!

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  • author
    S Ross
    Sep 14, 2021
    I researched a lot of HELOC companies…

    I researched a lot of HELOC companies and after discussing the options and about 2 months of research... we went with Figure. We even discussed them with our favorite mortgage lender who said ... "this deal sounds great. You should grab it!" The process was easy! Very fast and everyone has been fantastic so far.

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  • author
    R. Marshall
    Sep 14, 2021
    The process was easy

    The process was easy, the agent I spoke with professional and accommodating. Excellent experience.

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  • author
    Rick Hernandez
    Sep 14, 2021
    The application process was pretty cool…

    The application process was pretty cool tech wise, easy, seamless. The way they can connect to your other financial institutions was really cool too. I got called the following day to finalize a pending issue with my ID, Brian was very professional and helpful, he was able to send me right to the funding process. Awesome. OH and the interest rate was fantastic! I highly recommend using and doing business with FIGURE.

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  • author
    Ian Preston
    Sep 14, 2021
    I cannot say enough about Figure…

    I cannot say enough about how easy the loan process was to complete as well as the professional and friendly customer service I received. I received amazing support with issues I was having inputting information into the website. I would recommend Figure to anyone looking for a loan.

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  • author
    S.F
    Sep 14, 2021
    Outstanding

    Great customer service easy to apply for.

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  • author
    Shawn
    Sep 14, 2021
    Fastest, smoothest and most efficient loan process ever!

    We chose Figure for our HELOC since the entire process was 100% online. This was the easiest and smoothest transaction we have ever done. Bank verification, income verification etc was also streamlined. The entire application process was less than 15 minutes. We were approved for our loan in less than 18 hours from the time we applied (that includes the time we spend on the notary process). Funding took place after a mandatory 3 day cooling off period. This process is amazing. We contacted the online chat team a couple of times with questions, which were answered in minutes. Highly recommend!!!!

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  • author
    doug larsen
    Sep 12, 2021
    Everyone and everything went extremely…

    Everyone and everything went extremely smoothly Very professional

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  • author
    Nancy Rosengren
    Sep 11, 2021
    Thank you for getting us through the…

    Thank you for getting us through the process for a HELOC. So thankful for your assistance. Your chat feature is helpful in finding out where we were in the process. Thanks again!

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  • author
    Rex Umney
    Sep 09, 2021
    I am an existing Figure customer and…

    I am an existing Figure customer and I'm shocked at how poorly I'm being treated trying to respond to one of their many offers to re-finance with special emphasis on Figure "helping small business" but honestly this company does not like self employed people! In the past I was denied even the oppertunity to apply for the SOLE REASON that I was self employed! Then once again for having "more than two loans" on my property! One of the liens was Figure, so go Figure! Anyway logging onto the website is a PITA, always having to wait a long time for an email confirmation that never comes promptly. What makes matters worse is the site is always hanging up in some part of the application process requiring you to contact Figure directly! I am a current customer of Figure with a HELOC, I have NEVER missed a payment or been late. I had the same issues as mentioned above when trying to apply for my HELOC as I am having with my re-finance right now, but it just feels like they make this big deal out of helping the Self Employed Small Business Owners re-finance but honestly it does not feel that way. I have almost 700 credit score, have 13+ years of flawless payment history and detailed tax records of my income, so really it shouldnt have to be this hard to get credit from a company that claims they specialize in financing small business owners. I guess you could say I'm a little disappointed.

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  • author
    iraqivet33
    Sep 09, 2021
    Simply THE Best

    The easiest, most modern way of lending I have ever experienced!! Figure is definitely THE future of lending, especially in this new virtual age. On top of that, the rates I got were really good. Highly recommended!!!

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  • author
    Josette Bowles
    Sep 09, 2021
    This is BY FAR

    This is BY FAR, the easiest HELOC loan we have ever applied for and received. It took less than 10 days when all others took over a month to process. It would have been less than ten days if MY OWN CREDIT UNION hadn’t been so stubborn about releasing our account status (not Figure’s fault). Great doing business with you folks at Figure Lending.

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  • author
    Dejuan Randall
    Sep 09, 2021
    Super awesome

    Super awesome

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  • author
    Paula McDonald
    Sep 08, 2021
    Fast

    Fast, painless and professional. Totally impressed.

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  • author
    Joseph Garcia
    Sep 08, 2021
    Figure was a quick and easy process

    Figure was a quick and easy process, very professional associates! We went with another company but definitely will keep Figure at the top for next time.

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  • author
    Tanya Colter
    Sep 08, 2021
    Repeat Customer!!

    This is was the most streamlined loan process I have ever utilized. From the start of my HELOC application to the funds being dispersed was extremely quick and blows the other lenders out of the water. Great job Figure!! You have a repeat customer.

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  • author
    Armando Rodriguez
    Sep 08, 2021
    This was the best experience in lending.

    This was the best experience in getting a loan ever. Figure has literally helped me change my finacial future for the better. Wont be going to any other lender! Thank you so much Figure!!

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  • author
    Errol Tc Walters
    Sep 08, 2021
    Easy fast and reliable

    Easy fast and reliable

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  • author
    Russ Parman
    Sep 07, 2021
    It would really be good if they built bank confirmation into the initial process...

    It would really be good if they built bank confirmation into the initial screening process. I only found out by reading negative reviews that this was sometimes a problem after people authorized a hard credit pull, only to find out that their system would not work with their bank. Good thing I checked first because they told me that my credit union was not one of their partners. Be sure to confirm before applying if you are with a credit union or small bank. The up front experience with their website is awesome, but doesn't do any good if they can't work with your bank.

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  • author
    David Barry
    Sep 05, 2021
    All services as promised and easily…

    All services as promised and easily within time frame. Excellent job.

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  • author
    Eric Wilson
    Sep 05, 2021
    Easy fast friendly ....you cant go…

    Easy fast friendly ....you cant go wrong

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  • author
    JANE MCLAURIN
    Sep 03, 2021
    This loan was a blessing

    I tried to get a loan for months. The representative that worked with me was awesome. I don't own a computer or iPhone This man was patient and explained everything twice if needed. In the end, i got so much more than I first asked for. Thank you so much.

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  • author
    Rick Jolly
    Sep 03, 2021
    Simply the easiest loan I have ever…

    Simply the easiest loan I have ever completed. Their process is straight forward. The few times I had a question and had to call them, their customer service was and has been outstanding. If you need a home equity loan I highly recommend and I would imagine their other loans are just as easy and good. I literally did most of the process through my phone. So my wife and I would like to say thank you Figure.com...

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  • author
    John Schnell
    Sep 03, 2021
    How much is your time worth

    How much is your time worth? It might be possible to save some APR at your banking institution, but I guarantee that the process isn't as quick and simple as Figure. I run a business, my wife is a full time educator and we're taking care of kids and parents. I literally pulled over 50K of equity out of my home and, without exaggeration, spent maybe 10 minutes in the whole process - including downloading and reading all disclosures. So for us, Figure was priceless.

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  • author
    Wendy
    Sep 02, 2021
    Easy application process and…

    Easy application process and employment/income verification. Quick approval and funding. Decent rates. I highly recommend!

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  • author
    shannonandlisab
    Sep 02, 2021
    Hands down the absolute best customer…

    Hands down the absolute best customer service I’ve ever received! Figure made our home equity loan simple and seamless. 10/10 recommend!

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  • author
    Debby K
    Sep 05, 2021
    Watch out for the bait and switch

    Watch out for the bait and switch. I paid 3 points for a low rate. All negotiations were through email. The process only took a few days. I ended up with a higher rate and didn't notice it until I got my first bill. The reply to my review from Figure is a lie.

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  • author
    John Maronilla
    Sep 15, 2021
    You guys are great

    You guys are great! You change my prospective from getting a personal loan so hard and complicated to so easy and fast process in closing. I got my funds less than a day.

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  • author
    Sankar S
    Sep 15, 2021
    Spectacular experience with both mortgage refinance and HELOC

    Both our mortgage (jumbo loan) and HELOC are with figure, and the experience with both has been nothing but spectacular. I dont know how they do it, but the process is so fast, easy and efficient compared to other lenders . Our HELOC approval happened within a day, and within a few days of that the notary came home to sign a few documents and in the next few days, the approved amount was in our bank account. Similar experience with mortgage refinance as well. Figure's rate was atleast 0.5% less than than the next lowest and the process was blazing fast as well. During both loan processes, if we have to call their customer care, they have been very professional and responsive. So it has the right mix of fast automated processes, and good human touch. Highly highly recommended !

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  • author
    Beverly
    Aug 31, 2021
    Completely satisfied

    In the past, I had so many issues with credit unions trying to refinance my rental property. With Figure, I completed an online application and a couple of days later my checking account was funded. It went so smooth I could note hardly believe it. I truly recommend this company to take care of your loan needs. All of the customer reps are knowledgeable and kind. Including the notary. Thank you Figure for helping me meet my Financial needs. Michigan

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  • author
    Shawna
    Aug 31, 2021
    Fast

    Fast, easy and seamless experience

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