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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
Jose Cruz
Jun 14,2023Don’t get a loan with this company they lie there no good
Terry
Jun 11,2023I had a very quick processing and funding experience with them , no complaints here at all. Really hard to believe how smooth it went . I too was one that was skeptical of their loan processing procedure , but it works. I received my funding quickly after being approved, which was quick also , always being informed by way of email to what was taking place and any other matters I needed to attend to. I wanted to wait to give a review after the whole process was completed. I just had my first payment posted from my bank account I provided them. No problems at all, thanks Figure Loans.
So Archaic
Jun 10,2023They will reject you if you basically have any debt (the whole purpose of why I was applying to this loan) EVEN if you have an impeccable credit score (and I have over a million dollars in equity in my home). They keep saying my income is too burdened by debt. First of call my DTI ratio should qualify for this, and the debt I DO have would immediately be taken care of by this loan. I am not sure who ever qualifies for these loans other than people who really don't need them. Very scammy and misleading!
Michael Keating
Jun 09,2023They were so quick to help and points us on the right direction. Very pleased.
Michael Thomson Hilary Grenier
Jun 09,2023We started our Figure loan process on May 18, 2023 and just recieved our funding on the 8th of June. We filled out our initial paperwork and heard nothing. We contacted Figure three business days later to see if we needed to do anything else. Additional paperwork was sent to us as a result of that phone call, which we filled out immediately. We were approved for our loan on May 24th. We called on the 25th to make sure everything was received and to see if there were additional steps to take since we were on a tight time-line. We were sent a link to set up a notary, there was a 24 hour wait period for the appointment. On the 26th we had our appointment with the notary and the paperwork was sent in. I recieved text confirmation that day of our 3-day recession period starting with a "May 31st end date, you should see money in your account in about 5 business days". On the 1st of June I received an email stating "we are in the process of funding your loan, you should see funds in your bank account in 3-5 business days". Since then we have contacted Figure multiple times. On the 6th we were told by Figure to contact our personal bank, which we did, to check on the ACH. We contacted Figure after talking with the bank and asked for tracking information and were told there was no tracking information for the ACH. Yesterday the 7th, I recieved another email saying we should see funds in 2-3 business days. During this process we spoke to a number of friendly people, but this loan was not funded in the time they initially said it would be. This cost us an additional $5,500 in fees for the loan we were paying off with these funds. Now we have 2 loan payments we are going to have to make every month. We feel as though the ball was dropped multiple times during our loan process. There was a federal holiday in this time period, but that was ONLY 1 business day. The funding shouldn't have taken this long according to what Figure advertises as having funds in 5 days.
Peter
Jun 08,2023The whole experience with this company has been awful. From the initial application, the funding, their website, making payments, to making additional draws. They say your funds will process in 3 to 5 business days. I requested a funds transfer on June 1 and on June 7 I got an email saying it’s in process and will take 2 to 3 business days. That’s after I called them on June 7th. They try to be automated but none of the automation works. I recommend you follow up with every single request with this company. Everything seems to fall through the cracks. Not a single transaction has gone through as expected, you have to stay on top of them.
simcha
Jun 06,2023The HE loan was approved and a Notary appointment made within 5 days with rapid verification of documents and income, assets, appraisal etc - all without any need for phone calls and mysterious delays. Amazing technology and a competitive rate that was half the personal loan rates I was being offered elsewhere for debt consolidation.
Kenneth Brown
Jun 05,2023The whole process was so effortless! Caitlyn Halmans told me about Figure when she heard that we were in the market for a home equity line of credit. It was everything she described and more. I was blown away by how quick and easy the process was. I was also blown away by the awesome customer service from everyone involved!
Donald Sketas
Jun 04,2023Fast, smooth and great communication! Uploading all the requested documents was simple and quick! Have any questions? For a virtual company, you can speak with a "live" person when need be. I received my funding in less than a month and never had to leave my house. All signing is done on-line and is secure. Figure is the real deal!
Todd Tenhet
Jun 03,2023I was told i had 30 days in a written letter to get flood insurance. I got and sent them within 3 weeks my flood insurance. The day after my flood policy started they sent me a $3,000+ bill for the three months I didn't have flood insurance. So basically I had to pay for past flood insurance at 3X my current rate. My new flood policy is $800 for a year not $3000 for the past 3 months.
Corey Ritter
Jun 02,2023They don’t have a traditional application to fill out. Have to wait days and days for them to get back to you to ask for the next piece of information. They want your login to verify tax records. You’re forced into taking 100% of a HELOC upfront which defeats the purpose of a HELOC, except I was just planning to pay it back and then borrow as needed. They have no flexibility to do anything, everything is “automated system”
Amy Weiss
Jun 02,2023Currently in the process of a HELOC. One if the easiest transactions I have ever done.. everyone is friendly I have spoken to and the online process is beyond uncomplicated. Thank you! Amy W.
zander bro
Jun 01,2023Slow payment transfer. I just paid on Friday and it’s still not gone threw and it’s Thursday. High interest, terrible website. They make it to the point you can’t pay unless you log in, get a PIN number from your email and then you can log in.
Margareta Paquin
Jun 01,2023A wonderful experience from start to finish. EXCELLENT staff. Thanks again.
Teddy Ritter
May 31,2023Super easy. Super fast. Awesome product.
Andrea Corry
May 30,2023Easy to apply for funds and super fast to receive them.
Meagan Derewonko
May 25,2023All automated, high interest, basically personal loans. Go anywhere else.
Mark Sanders
May 24,2023My 1st loan that I applied for they approved me for $170,000.00, I didn’t like that amount and talked with an agent to see if they could raise it more, they said no, so I asked for my application to be cancelled. Then I thought I’d try and reapply again, this time they approved me for $550,000.00, so I said what the heck and pulled the trigger. I’ve completed every step, I’m only waiting for the funds to be deposited! Thanks Figure! I'm still scratching my head on why my loan qualification went from $170,000 to $550,000. but any case I got the loan.
Christopher Farley
May 22,2023Easy loan process.
650 S. Tryon Street, 8th Floor, 28202, Charlotte, US
https://www.figure.com/
Wilfred
Jun 17,2023First time I ever heard about the company. It was refferred to me by bankrate.com. So I wanted to give it a try. I was skeptical throughout the loan process until I saw the money in my bank account 6 working days later. I was a bit nervous about allowing them to peek into my online bank account but I was not giving them my id and pw. And besides, even if you work with other loan officers you still have to give them your bank statement anyway. So its the same. You can give them access to either checking, savings or both. Normally it would take at least a month to get a loan but... 6 days? How can it not be a 5 stars! Every step was really quick. Oh, the 6 days includes the 3-day cancellation period during which I could have cancelled it for any reason. So it actually took 3 days to approve my loan (???) I cannot speak for others but it was a very good experience for me. I'm a very happy man.