Figure Student Loan Refinancing
Figure Student Loan Refinancing
in Student Loan Refinancing from Figure Lending LLC

Figure Student Loan Refinancing

in Student Loan Refinancing from Figure Lending LLC
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Loan Amount $5,000 - $250,000
Loan Term (Years) 5 - 20 years
Fixed APR 2.036% - 6.33%
Variable APR 3.5% - 6.33%

Figure Student Loan Refinancing Review

Figure Student Loan Refinancing is a student loan refinance offering by Figure Lending LLC, . Founded in 2018, Figure Lending LLC offers student loan refinancing in 48 states (and Washington, DC).

Figure Student Loan Refinancing FAQ

What APRs does Figure Student Loan Refinancing offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate. 

Figure Student Loan Refinancing offers variable rate APRs that range from 3.5% to 6.33%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 2.036% to 6.33% APR.

You can choose to buy down your rate by purchasing discount rates. This is similar to paying mortgage points on a home loan. Typically, it only makes sense to pay this fee if you aren't planning to refinance your student loans again in the forseeable future. If you refinance your student loans after just a few years, the cost of the fee will probably outweigh the savings from the lower interest rate.

How much can you borrow via Figure Student Loan Refinancing?

Loan amounts start at $5,000 and go up to $250,000

Does Figure Student Loan Refinancing charge an origination fee?

No, Figure Student Loan Refinancing does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Figure Student Loan Refinancing charge prepayment fees?

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

What terms does Figure Student Loan Refinancing offer?

Figure Student Loan Refinancing provides refinancing loans of 5 to 20 years.

What type of borrowers will Figure Student Loan Refinancing consider?

Figure Student Loan Refinancing considers loans applications from:

  • undergraduate students
  • graduate students
  • parents of students
  • undergraduate degree holders
  • graduate degree holders
  • parents of graduates

What do you need to qualify for Figure Student Loan Refinancing?

Applicants with a credit score of at least 680 and up to 850 may be eligible for Figure Student Loan Refinancing.

Figure Student Loan Refinancing does not have or does not disclose a minimum annual income eligibility requirement. Figure Student Loan Refinancing only considers borrowers who are employed.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Figure Student Loan Refinancing.

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

  • Driver's license

What is the estimated funding time for a student loan refinance via Figure Student Loan Refinancing?

Figure Student Loan Refinancing will typically provide a credit approval decision in less than an hour and fund the loan within 5 to 21 days.

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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 Student Loan Refinancing

Figure offers an OPTIONAL origination fee that allows you to pay a fee that will reduce your fixed refinance interest rate and monthly payment offers. The origination fee is amortized (included) in the loan payment schedule. Choosing a lower rate with an origination fee makes sense if you don't plan to refinance again If you plan to refinance in the near future it's never a good idea to choose an option that contains an origination fee. We do not currently offer optional origination fees for the variable rate refinance.


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 48 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
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Application Fee $0
Late Fee Amount $0
No Late Fees
No Origination Fee
Optional Discount Points
Origination Fee (%) 0% - 3%
Prepayment Fees No
Credit Score Range 680 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Driver License (or other photo ID)
Approval Speed 0 hours
Credit Bureau Reporting Experian
Funding Time Range 5 - 21 days
Payment Options Automatic Payments
Fixed APR 2.036% - 6.33%
Loan Amount $5,000 - $250,000
Variable APR 3.5% - 6.33%
Loan Term 5 - 20 years

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