Figure Personal Loans

Figure Personal Loans

in Personal Loans from Figure Lending LLC


Figure Personal Loans


in Personal Loans from Figure Lending LLC

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APR  (Fixed APR) 5.75% - 22.94%
Loan Amount $5,000 - $50,000
Loan Term (Months) 36 - 60 months

Figure Personal Loans Review

Figure Personal Loans is offered by Figure Lending LLC, a direct lender founded in 2018 and based in Reno, NV. Figure Personal Loans is available in 49 states (and Washington, DC).

Key Takeaways
  • APRs starting at 5.75%. Personal loan interest rates typically range between 5% 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 credit score.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Figure Personal Loans early.
Figure personal loans Pros & Cons
Pros Cons
  • Low APRs available to qualified borrowers.
  • Funding available within business day.
  • APRs as high as 22.94%.
  • Charges an origination fee of up to 3% of the loan amount.
  • Only considers applicants with good credit.
  • Charges prepayment fees.
  • Charges a late fee.
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?

Business 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.

Figure personal loans Interest Rates & Loan Terms
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?

Yes, Figure personal loans may charge borrowers a late payment fee if you miss one of the monthly payments.

Does Figure personal loans charge prepayment fees?

Yes, Figure personal loans may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.

Figure personal loans Fees
Origination Fee up to 3%
Prepayment Fee Yes
Late Payment Fee No

What do you need to qualify for Figure Personal Loans?

Applicants with a credit score that ranges from 680 FICO may be eligible for Figure Personal Loans.

Figure Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Figure Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Figure Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Figure Personal Loans. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit
Figure personal loans Eligibility Criteria
Minimum Age N/A
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • Credit Score Starting at 680 FICO

    What is the estimated funding time for a personal loan via Figure personal loans?

    Figure personal loans will typically approve (or deny) a loan application within 1 hour and fund loans within business day of approval.

    Does Figure Personal Loans report your account activity to credit bureaus?

    Yes, Figure Personal Loans reports your account activity to the following credit reporting agencies:

    • 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 improve your credit.

    SuperMoney Disclosure: 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

    Access up to $50,000 from the comfort of home.
    If you are looking for a fast and convenient way to access cash, look no further. Figure’s application is 100% online and can be completed in minutes!


    Hours of Operation

    • Sunday Closed
    • Monday 6:00am - 6:00pm
    • Tuesday 6:00am - 6:00pm
    • Wednesday 6:00am - 6:00pm
    • Thursday 6:00am - 6:00pm
    • Friday 6:00am - 6:00pm
    • Saturday 6:00am - 6:00pm

    Other Services by Figure Lending LLC


      Available in 49 states and Washington, D.C.
    • Alaska
    • Alabama
    • Arkansas
    • Arizona
    • California
    • Colorado
    • Connecticut
    • Washington, DC
    • Delaware
    • Florida
    • Georgia
    • Hawaii
    • Iowa
    • Idaho
    • Illinois
    • Indiana
    • Kansas
    • Kentucky
    • Louisiana
    • Massachusetts
    • Maryland
    • Maine
    • Michigan
    • Minnesota
    • Missouri
    • Montana
    • North Carolina
    • North Dakota
    • Nebraska
    • New Hampshire
    • New Jersey
    • New Mexico
    • Nevada
    • New York
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Virginia
    • Vermont
    • Washington
    • Wisconsin
    • West Virginia
    • Wyoming

    Feature Breakdown

    Origination Fee (%) Up to 3%
    Employment Statuses Considered
    • Other
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    Verification Documents Required
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    • Proof of Identity
    • Government Issued Photo ID
    • Social Security Number
    Credit Score Range 680 -
    Approval Speed 1 hour
    Credit Bureau Reporting
    • Experian
    • Equifax
    • TransUnion
    Funding Time Range Starting at 2 days
    Payment Options Automatic Payments
    Pre-Approved Soft Credit Inquiry
    Loan Amount $5,000 - $50,000
    APR (Fixed APR) 5.75% - 22.94%
    Loan Term 36 - 60 months

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