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Homeownership gives you options, Figure unlocks them for you.
Figure is the #1 non-bank home equity lines of credit (HELOC) lender in America. You can access the cash you need without ever leaving home. Get your rate online in minutes. Approval in 5 minutes and funding in as few as 5 days* at figure.com.
What sets Figure apart?
Apply with our 100% online application in minutes with funding in as few as 5 days.* Lines of credit available from $15k - $400k* Faster than a bank loan, cheaper than a personal loan. 5 minute approval. No impact to your credit score.* Get the funds you need now to start that home improvement project or consolidate your debt.
*Terms and conditions apply. Visit figure.com/disclosures
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Reviews 867
Robert Morrison
May 06,2024The entire process was very easy, all steps were explained in easy to understand detail and from start to finish was kept informed of the progress…very quick & professional
Ezra Weinstein
May 05,2024I have never had such a smooth experience with a lending institution. Your system is spot on (I own a software company). The ease of use, speed and ability to do EVERYTHING on line was incredible!
Joshua Galle
May 05,2024Advertised is access funds in 5 days, it took me 12 days to have funds, and I missed a window to get a contractor to install an RV garage. Now I'm waiting on new quotes but contractors are already booked. Update 5/14/24 your reply to my review is a canned legal response and not a customer satisfaction response. I did everything in a timely fashion your process failed and did not fund the loan in a timely process. Don't blame a customer for your errors in process. Not good customer service, poor business decision.
Alfredo Hernandez
May 05,2024Application process is fairly easy and the rates they offer is reasonable. Communication through out the process from the start is excellent.
Jeremy Kelley
May 04,2024Easy to deal with. No issues with receiving the loan
Stanley Gray
May 04,2024Figure Home Equity Loan Process is what you would called, State of the Art! I have never in the past did a loan that went so smooth. Excellent Customer Service, I say keep up the Good Work!!!
Greg
May 04,2024Super simple to apply. Happy with the result, and how quick and painless the process was. Longest part is waiting for notary docs to arrive and be reviewed since I'm in a state that doesn't allow remote. I would recommend Figure to anyone looking to apply for a HELOC that isn't looking for traditional process. Everything was online (except my signing) and was able to just link accounts to prove my salary, ID, etc. I will follow up with an update as time goes on, though I expect it to be just as simple as the rest.
Charmaine Debrosse
May 03,2024The ease and speed of the entire process was second to none.
Lester Hoagland
May 02,2024The loan process was very easy and fast.
Dave D
May 02,2024WOW!! Amazing process, fairly straightforward, simple & painless!! Was able to tap into 3X's the amount as a previous group that kept running into snags!!
Chantel Mitchell
May 02,2024Figure is the absolute TRUTH!!! I was a little leary at first because I hadn't heard of them but I decided to give them a try. I applied to Figure, 2 of my credit unions and Figure not only provided me the smoothest process I got my money fast!! Literally took 5 business days. So if you were still on the fence or wondering-DON'T!! I need the traditional banks and credit unions to catch up because they're still stuck in the 80s.
BajanOne
Apr 30,2024The process was seamless and timely.
Jesse Evatt
Apr 28,2024Was forced to reapply for loan after they said I put the wrong ss number down. When I reapply my loan amount went down and the interest went up.
Ron Gray
Apr 28,2024I enjoyed this experience. Company folks are knowledgeable and friendly. A positive experience I’d recommend your company to anyone.
Debbie
Apr 28,2024Amazingly quick and easy
Roxane
Apr 27,2024Customer service is always readily accessible and helpful! The entire process was much easier than I would have ever imagined!
Josh
Apr 26,2024I took out a HELOC Loan in March of 2023 paid my payments every month fast forward to January 2024 I receive a email saying after a account review they found they had been over charging me an credited my account an adjusted my monthly payment. You don’t receive any statements from them it’s all online so I login to my account to pay February bill an it automatically puts in what’s due when you select make a payment so I make my payment March comes around I receive a email saying my account in 44 days past due an they also reported it on my credit I reach out to them to find out how an they say I only made half my payment for February that my new monthly payment didn’t start until March I explained to them I paid what it said was due an all I get was sorry for the confusion. I have emailed multiple times called multiple times horrible customer service told me I have to fill out a dispute form a send it back I did now they tell me I gotta wait 30 days. This was not my fault I have all transactions showing where I made the payments. I’m paying for it cause they have messed my credit up
Michael Finch
Apr 26,2024Company did what they said. I was approved, got the loan hassle free and quickly
Jason Hall
Apr 25,2024I went against my gut instinct and decided to apply for a HELOC with Figure. This was a colossal mistake. While I concede that Figure has a lot of positive reviews, I find it VERY difficult to believe that many of them are legitimate. I highly recommend that you pay very close attention to the negative reviews. My Simple Story: I was trying to use the equity in my home to consolidate an unhealthy amount of revolving debt, most of which had been accumulated due to medical expenses (Hooray USA!). Like many others, I didn’t want to do a cash-out refi and sacrifice a low finance rate on an existing mortgage. This is why so many of us are turning to products like the HELOC. After clawing my way through Figure’s online application process, I was ultimately offered a loan of only $20,000. And… Well... That was actually perfect in my case. I had no intention of borrowing more than $20,000, regardless. Some notes about Figure’s online application: It is entirely bot-based—that is, unless you run into a snag and have to “chat” with an agent. If that happens to you, be prepared to read this a lot: “Sorry, we cannot do X-chore manually.” The agent is no help at all and really just directs you down avenues that you’ve likely already traveled. In other words, unless everything in your application can be researched or confirmed via their bots, you’re just out of luck. Although my application finally made it to the finish line, something as simple as a 1099 could not be accepted or considered by Figure. So the full complexion of my income was not recorded. In plain English, there is ZERO personal touch with Figure. While I know some folks will like this, it will without doubt negatively impact a lot of potential borrowers who need a HUMAN to genuinely oversee the process. And then... 24 hours after being told I was approved for $20,000, I received a denial email. Again, read the negative reviews and you will see this happening to a lot of people. Many folks who are approved later receive a denial notice the next day. Even wealthy, well-to-do folks with 800+ credit scores, excellent equity and good salaries are being denied for ridiculous reasons. Figure’s “can’t do manual” nonsense is likely the principal reason for all of these late stage denials. With all of this in mind, the reasons provided to me in Figure’s “adverse action notice” (their afterthought denial) were nonsensical and clearly not sensitive to the true purpose and complexion of my application. Also worth noting: Within MINUTES—not weeks, not days, not hours—my phone was getting blown up by other lenders offering other loan products. My information was sold by Figure before I had even finished the application. I’m not being hyperbolic here. This genuinely happened. About 25 minutes after I entered my contact and financial information, I received three back-to-back calls from multiple lenders. Spamtastic. Figure welcomes anybody and everybody to apply. Why? Because anybody and everybody has data to sell. Figure will make money off you, whether or not you secure a loan with them. Consider that before biting into the apple. Should Figure choose to respond to this review, I’d recommend that you ignore the response. I say this because they will likely either be vague with their excuses or will mischaracterize components of my application in an attempt to gloss over their own poor processing practices and/or to smear my character in an effort to soil my review. Make no mistake: It’s all protective corporate BS, top to bottom. I deeply regret reaching out to Figure. Their marketing campaign does not match their product availability or service execution. Full stop. Be smarter than me. And look elsewhere for your HELOC. THERE ARE MUCH BETTER ALTERNATIVES.
650 S. Tryon Street, 8th Floor, 28202, Charlotte, US
https://www.figure.com/
Michel Garcia
May 07,2024Always great to work with them this is the second time that we have the pleasure to work with Figure thanks.