Figure Personal Loans Review (2024)

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Enter $2,000 - $100,000

What is is a financial technology company that offers personal loans through a fully online platform. The company was founded in 2015 and is based in San Francisco, California.'s mission is to "transform financial services through blockchain, bringing speed, efficiency and savings to both consumers and institutions." Rates and Fees


Varies depending on borrower

Loan term:

3 or 5 years

Loan amounts:


Hidden fees:

Origination fees

Minimum credit score required


Extra perks:

Financial education, mobile app

Fund availability

Typically within one to two business days

What type of personal loans does offer? offers personal loans to borrowers with good to excellent credit. The loans can be used for a variety of purposes, including debt consolidation, home improvement, and medical expenses. The loans range in size from $5,000 to $50,000 and have repayment terms of 3 or 5 years.

What are the pros and cons of using


  • Fast and easy application process: The entire application process can be completed online in minutes.
  • No credit check required to prequalify: You can see what loans you might qualify for without affecting your credit score.
  • Discounts for autopay: You can save money on your loan by setting up automatic payments.
  • Refinancing options: You can use to refinance existing loans.
  • Seamless online experience: The entire loan process can be managed online, from application to repayment.


  • High origination fees: charges origination fees of up to 6%, which can be high compared to other lenders.
  • Limited repayment term options: You can only choose between a 3-year or 5-year repayment term.
  • No flexibility on payment date: You cannot choose your own payment date.
  • No co-signed, joint, or secured loan options: does not offer these types of loans.

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Who should use is a good option for borrowers with good to excellent credit who are looking for a fast and easy online loan. The company is also a good option for borrowers who are looking to refinance existing loans. However, the high origination fees and limited repayment term options may make a less attractive option for some borrowers.

How to apply for a personal loan?

To apply for a personal loan, you can visit the company's website and complete an online application. You will need to provide some basic information about yourself, including your name, address, income, and debt. You will also need to provide your Social Security number and a copy of your driver's license.

Once you have submitted your application, will review your information and let you know if you are approved. If you are approved, you will be able to fund your loan within 24 hours.

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Is legit and trustworthy?

Yes, is a legitimate and trustworthy lender. The company is regulated by the Securities and Exchange Commission (SEC) and is a member of the Financial Industry Regulatory Authority (FINRA). also uses industry-standard security measures to protect your personal information.

Conclusion is a good option for borrowers who are looking for a fast and easy online loan. The company offers competitive interest rates and has a simple application process. However, the high origination fees and limited repayment term options may make a less attractive option for some borrowers.

Overall, is a reputable and trustworthy lender that offers a variety of personal loan options. However, it is important to compare rates and fees from other lenders before you apply.


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Compare personal loan rates in June, 2024

"A seamless experience from start to finish, and not to mention FAST! I got funded in just 3 days for an unexpected family expense and was able to obtain a great rate"

Marc Amado

"They are a team of top-notch professionals and were very responsive to a few questions I had on my loan application. I’d definitely work with them again. Thank you for making the process so easy and painless!"

Allison Brenner

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Loan rate & terms disclosure: Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.

Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.