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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
Michael Mason
Feb 12,2023Excellent transaction and fast, just supply pertinent info and wait 5 days! Smooth sailing with Figure, so happy we got involved.
Yolanda Harwell
Feb 11,2023The loan application process was easy online. I was kept up to date through emails for each step and progress.
Ken Baker
Feb 10,2023Communication was clear and prompt. The process was straightforward and unbelievably fast. Really impressed!
Joshua Bryant
Feb 10,2023Great! Great!
ALLI
Feb 09,2023This company uses a third party to verify your home address and value before you can even apply for a loan. Because of this, this is the first company I have dealt with that could not verify my address. I volunteered that I am exempt from public records and they used that as why they could not verify. That would mean that any first responders would not be able to borrow if that was true. Then, after telling me they could not help me due to not finding my address, they send me an email stating I was ready to continue with my application and it showed the address and value. The representative told me he didn’t not feel comfortable providing his last name, yet he was supposed to be a supervisor, and they expect you to provide your personal identity information. I am glad I didn’t go with this company. The customer service seemed sketchy, and the follow through was lacking.
J. Alan Hatcher Hatch
Feb 09,2023They report your HELOC to the Credit Bureaus like it's a revolving, unsecured credit card, so your credit usage will be 100% of a large amount of money when you take out the HELOC. Get ready to watch your credit score plunge. It's not unsecured, it's backed by the equity in your home. They will never give you anything but a canned answer when you contact them. I made a mistake choosing this company. It will not happen again. EDIT: Notice the completely "canned" premade answer they gave below. This is absolutely typical of this company and you will never receive an answer that is any different from this.
Ben S.
Feb 08,2023We could not believe how fast the process was to recieved funding. Literally by the end of the week we where funded. Contrary to many other HELOC programs this one is fixed on the original funds. The terms do not change unless more funds are pulled out which is fantastic. The rates are slightly higher then a home equity loan but the terms worked so much better for us. Plus making extra payments towards principal could not be any easier.
Judy Boyles
Feb 05,2023This was an amazing experience. Quick and efficient, easy. I was approved in about an hour. I'm still waiting for the bank and credit union, two other places I was going to apply for a HELOC, to call back. Figure has already approved me!!! I loved the convenience of applying from my home office where all my papers are located. I highly recommend FIGURE.
Nicole O.
Feb 04,2023The process was super easy and streamlined. Anytime I did have a question and called in, the representatives were very helpful and knowledgeable. I work in the mortgage industry and was very impressed with the ease of the process. I would definitely recommend to friends and family.
Christopher R., Virginia
Feb 03,2023I am impressed with the customer service provided by Figure. I found your assistance top notch. Truth be told I found your company on a whim through BankRate.com. I have recommended to others how professional the loan process was.
Tom
Feb 02,2023Figure has ridiculous internal payment "policies" I have never had so much trouble with a company setting up Autopay. I would avoid them at all costs. If they're going to fight about getting paid, what else is going to go wrong over the course of a decade? EDIT: I have NEVER had an account rejected when I signed up for Autopay from any lender, ever. They do a $0 debit "test" and then approve it. Clearly, this "FinTech" can't handle basic account verification without getting all my account numbers and balances, birth dates, etc of my BROKERAGE accounts. I think this *might* be a restraint of trade. I will be discussing this with someone familiar with such issues in the near future.
Sharon
Feb 01,2023I would give them a "0" if I could...there is no one to speak to! You have to email of which it was difficult to understand the recording. Terrible...
Doris W
Feb 01,2023I am by no means a person that likes to handle things online all of the time. Nor am I tech savvy. But the process was fairly simple and straight forward. I like that Figure lets You know whether or not You are approved right away so that You don't waste time waiting around to here from a mortgage person only to put at the back of the burner.
Katrina Walker
Feb 01,2023I believe this company is using Ai to do biometric redlining by zipcodes. Then, they are using Experian as an excuse to deny me a Heloc! My credit, like myself is not perfect. But, it's important to note that there are no recent delinquencies! The last three years I have had many medical issues. I even caught Covid, with Pneumonia! But, I still made my payments within thirty days! My application credit score was 688 on the figure dashboard for 1/30/23. Figure states that your score have to be 640! I have a verifiable gross income over $110k. After Figure change the value of my home; I still have at least $80k in equity. But, Figure still has closed the door shut in my face for a home equity loan! I will not apply again. But. I do intend to turn this matter over to the government! I have paid federal taxes too long to be subjected to this kind of treatment from an American company! Yes! I am mad as hell!! Three application with scores of 648, 642 and now 688; and that's not good enough! I have been in this home since 2006! Figure or no one else will ever take it from me! It's a shame that I cannot use my home to consolidate some loans and do home repairs! It's definitely a reason why I cannot; and it doesn't have a damn thing to do with credit!
Karry Maciak
Feb 01,2023Literally one of the worst companies to ever work with. Their promise of getting a loan fast is a bold faced lie - and their excuses are ridiculous. They are a constant pain in my rear when my password never works even though I just updated it, they refuse to add a bank account for auto pay w/o a bank statement (just run the stupid payment. If it's not a legit account, it won't work), and they force me to provide flood insurance policy docs when they already got that with my original app. They have no way to securely upload docs. They TELL YOU to just go ahead and email it. Go ahead and send your personal info with balances, account #'s, your SS# through unsecured email. Who advises someone to do this! You can upload docs via chat...and hope the other person actually does so and is a legit person. You just have to sit around and wait to see what happens with that doc, if at all. You can't see any status at all online. You can only see the option to make a payment. When interest rates go down, I'm refinancing my main mortgage with a cash out option to pay this loan off. I cannot wait to never use them again. Backwards company, behind the times, inadequate employees. (Their responses to these complaints are ridiculous. TAKE OWNERSHIP. "If you're not comfortable emailing documents..." Tell us, WHO is comfortable emailing their account #'s and personal info unsecured? NO ONE.)
Cal Martinez
Jan 31,2023scam just to sell your information. I input all my information after credit karma recommended it for a loan. I have 762 score, after they run credit report I got notification to upload driver lenience and and proof of income including w-2, load driver license and while i was looking for the rest, about 1 hours later got email saying my application was close.
Ryan H.
Jan 24,2023Figure was quick, easy to work with, had convenient online video notary services, and delivered the money into my account in 5 business days.
Jonathan Hurst
Jan 22,2023changed number now cannot log into account sent emails, called etc not helpful will likely deal with a local lender next time dont get a loan from these people
Lori A.
Jan 19,2023Super easy to apply & very quick decision on lending!!! Love the auto payments and the great communication each step of the way and monthly payment reminders and confirmations.
650 S. Tryon Street, 8th Floor, 28202, Charlotte, US
https://www.figure.com/
Octavio Barron
Feb 15,2023I applied online with Figure.com for an equity line of credit. There is NO live human being reviewing or underwriting the application, it's all done by computer. When I first applied, I was offered 60,000. Then when I linked my bank account to furnish my funds and income, the loan amount dropped to $28,000. Then I accidently linked the same bank account to my application but the Loan amount dropped again to $15,000. I then had to reapply because the name on my ID was different from my name which is on vesting on my property. So they canceled my application so I could reapply again, but now... I am completely denied!!!! I was NOT approved for anything at the end of the day, and day was wasted! The old-fashioned way is much better, a live person will review your documents and determine the outcome, not an automated online underwriter. I do NOT recommend!!!