Last Updated: 02/02/2026
SuperMoney User Recommendation Score -17
Mostly not recommended6 total votes
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Highlights
Community Rating
Mostly not recommended
APR (Fixed APR)
5.75% - 22.94%(Verified 06/21/2024)
Amount Range
$5,000 - $50,000
Loan Term (Months)
36 - 60
Number of Reviews
Figure Personal Loans Review
Figure Personal Loans is offered by Figure Lending LLC, a direct lender founded in 2018 and based in Charlotte, NC. Figure personal loans are available in 49 states and Washington, DC.
Key Takeaways
- APRs starting at 5.75%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Figure Personal Loans are on the lower end of the spectrum.
- Large loan amounts. You can apply for loan amounts of up to $50,000 with Figure Personal Loans .
- Prequalified rate. You can check your prequalified rate at Figure Lending LLC with a soft pull that will not affect your FICO or VantageScore.
- Origination fees of up to 3%. This is on the low end for lenders that charge an origination fee. However, plenty of lenders don't charge an origination fee. Origination fees are deducted from the loan amount, so consider them when deciding how much you need to borrow.
Figure personal loans Pros & Cons
| Pros | Cons |
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Figure personal loans FAQ
What interest rates and personal loan terms does Figure personal loans offer?
Figure personal loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Figure personal loans offer?
Figure personal loans offers a fixed APR personal loan product that ranges from 5.75% APR up to 22.94% APR.
How much can you borrow via Figure personal loans?
Personal loan amounts start at $5,000 and go up to $50,000
What is the maximum loan term you can get with Figure personal loans?
Figure personal loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $5000 - $50000 |
| Loan Term | 36 - 60 months |
| APR | 5.75% - 22.94% |
What fees does Figure personal loans charge?
Does Figure personal loans charge an origination fee?
Figure personal loans may charge a personal loan origination fee of up to 3% of the personal loan amount .
Does Figure personal loans charge a late fee?
Figure personal loans does not disclose whether it charges late payment fees.
Does Figure personal loans charge prepayment fees?
No, Figure personal loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | up to 3% |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Figure Personal Loans?
Applicants with a credit score that ranges above 680 VantageScore may be eligible for Figure Personal Loans. Figure Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Figure Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | Starting at 680 VantageScore |
What is the estimated funding time for a personal loan via Figure personal loans?
Figure personal loans will typically fund loans starting at 2 business days of approval and clearing necessary verifications.
Does Figure Personal Loans report your account activity to credit bureaus?
Yes, Figure Personal Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Figure Lending LLC perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Figure personal loans allows you to check your rates with a soft credit pull.
Are Figure Personal Loans legit?
Figure was founded in 2018. It is an established company that has been in business for 8 years. Figure Personal Loans is mostly not recommended by SuperMoney community users.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Figure personal loans
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 6:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -17, or 2.7 on a 5-point rating scale.
-17
-1000+100
No one recommends
Everyone recommends
Figure Personal Loans Community Reviews
Would you recommend Figure Personal Loans to your friends?
DC
Dylan C.
Oct 31, 2023
May or may not recommend
Figure personal loans is MY choice! I could not be more than thrilled to use this loan on my day to day life! I have low interest rates, and I am able to pay it off faster and still use the loan for what it was needed for. For these reasons, I HIGHLY recommend Figure personal loans!
William S.
Feb 6, 2023
May or may not recommend
Figure Personal Loans, you are the best! Your rate was definitely the lowest by far for me! My credit is not the best right now and other lenders interest rates were too high with less money to lend me. Figure gave me much more money than I asked for with lower payments and interest rates. The loan process was simple and quick. Brian, my representative, was personable and helpful. My ...Show More
SS
Savannah S.
Jan 24, 2023
May or may not recommend
They require a fairly decent credit score which seems counter to the APR interest. If you have the credit score they require (650+) than you're better off going somewhere else for a personal loan. Although, if you can get a lower APR than they do provide decent loans.
Della S.
Nov 25, 2022
May or may not recommend
They charge far too high APR and fees for also requiring good credit. If you have good enough credit for them, try elsewhere. Not worth it!
Huda A.
Jul 22, 2022
May or may not recommend
Figure Personal Loans is not the place for you if you are looking to take out a loan. They have extremely high APRs and charge orientation and prepayment fees. There are better options available. For me, the cons greatly outweigh the pros of choosing this company. The customer service is not up to the mark.
Daniel E.
Apr 19, 2022
May or may not recommend
It is worth it if you qualify for a low APR. Very convenient loan tool for impressively large loans. They do hit you with fees, and you can possibly end up with a very high APR.
Showing 6 of 6 reviews
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