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
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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 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 |
| Credit Score | Starting at 680 |
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.
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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