Figure

4.0 (867 Reviews)

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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

Find my rate

Reviews 867

4.0

Out of 5.0

STACEY

Sep 01,2023

Process was relatively straightforward and easy.

Gerald Faas

Sep 01,2023

Excellent service! Stupid easy to work with they follow through with out delay. I’m very happy I responded to there mail over.

Jason

Aug 30,2023

Fast processing which means the company is messing up their reputation and ruining the customer service. I submitted a paystub and got approved within 24 hours, then I received a second email next day, saying they had issues with my “old” application and asking me to apply a new one without explanation. So I called, the representative told me they cannot approve with any bonuses income. What a joke? They discriminate people making bonuses? I’ve never heard anything like that before with my 10+ years lending experience, and YES, I am a lending officer as well.

WALDO F PUIG

Aug 30,2023

Was fast and good like not any other bank

Stephen

Aug 29,2023

Everything went smooth fast easy application and approval funding within days of approval

Todd Gowin

Aug 29,2023

Horrible bank and very deceptive! The only positive is speed. Borderline Predatory in how they rush things along at closing. Getting a replacement loan right now. They said one thing and then changed it in the paperwork. They do remote closing so They don’t know the paperwork. Deceptive Deceptive… DO NOT USE!!! Update to Figure Response: The reply from the company proves my point. Yes, once you sign it you’re screwed and locked in. The remote closing though rushes you along and if you have questions they threaten to cancel the signing. The paperwork is not straightforward. Again Deceptive and Predatory please for the love of God don’t use these people!!!! Anybody would be better than these people!

Lynn Wright

Aug 29,2023

Figure made this the easiest mortgage/HELOC experience ever! Immediately gave me rate and amounts available. Flexibility of options was nice. And the ability to get the funds without an appraisal was incredible. Also appreciated the proactive communications and responsive employees.

Antonio Beltran

Aug 29,2023

they advertise getting a loan quicker than the rest. It has taken 3 weeks and was advertised as 3-4 days.

Sean Adler

Aug 27,2023

Avoid their equity services like the plague. Have worked with numerous platforms and investment banks but none have overtly lied while cutting 20% of their staff during the listing process. Read the Bloomberg article "Mike Cagney’s Figure Lays Off 20% of Staff Amid IPO Plans" to see why.

Dorian Bee

Aug 23,2023

everything was really easy fast. Very helpful. An awesome experience. I recommend it for anyone needing any kind of loan they’re awesome.

Bethany L

Aug 23,2023

I am very happy with their customer service.

Debra Falco

Aug 22,2023

They came through when other companies did not. The process was smooth. I am grateful for their support

Michael DeGeorge

Aug 20,2023

The speed and clarity of how things came together. The avalibality of customer service to answer questions as this is very different process.

Jeremiah

Aug 19,2023

It was a straight forward, guided experience and the result was a great interest rate. The savings in interest and consolidation using the equity in my home saved me over $700 in monthly payments.

Keith Hardwicke

Aug 19,2023

The best loan experience I have ever had: 1. Absolutely no document uploads 2. Easily breezed through a complex multi-person notarization procedure 3. Even automatic payments are already set up. I don't know how it could get any easier.

Crystal

Aug 18,2023

I am so glad that I came across this company. They literally saved me from losing my home to the town due to back real estate taxes. They are wonderful to do business with. The process was fast, as long as you just keep up with the correspondence from them asking for info, etc. it really was a pleasure!

Gregory

Aug 17,2023

Great company. Have had numerous loans with this company that were paid off; and new loans established. The staff are always very professional and easy to work with.