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!

Pre-qualification does not affect your credit score.¹ navigates to the related disclosure

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Approval in minutes. Funding in a few days.

Rates as low as 5.75%² navigates to the related disclosure

Figure offers APRs ranging from 5.75% to 22.94% including a 0.25% autopay discount.

Multiple fixed term options

With a variety of fixed term options, you can plan payments and know exactly when you’ll pay off your loan.

Get up to $50,000³ navigates to the related disclosure

Use your funds for what matters most. Pay off medical bills or fund an unexpected purchase.

Friendly member service

Questions? We’re here to help. Call us at 888-819-6388 Monday through Sunday 6am – 6pm PT.

Apply in minutes from the comfort of home

See your rate in a few clicks

Check your rate without impacting your credit score.¹ navigates to the related disclosure Just tell us a few details about yourself and we’ll provide your prequalification rate.

Automated application process

Connect your accounts with our automated application - speeding up the entire process, so you can receive your funds quickly, with no hassle.

Refer a friend and get rewarded!

You get $150 and they get $150 when their loan funds.⁴ navigates to the related disclosure

Figure offers an easy way to get a personal loan while rewarding you for spreading the word too! Each time you refer a friend, you receive a $150 gift card and so will your friend.

Learn more

Figure's Personal Loan Referral Program is not available to residents of KY, OH, RI.

Terms and conditions

See what our members are saying

Don’t just take our word for it—read what our members have been saying about their experience with Figure.

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Reviews 1,332 • Excellent

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Figure Lending LLC dba Figure 15720 Brixham Hill Ave, Suite 300 Charlotte, NC 28277

General Customer Support:

888-819-6388

Mortgage Refinance Support:

888-697-1506

Figure Lending LLC dba Figure | NMLS #1717824 - For licensing information, go to www.nmlsconsumeraccess.org Opens a new window.

Figure Home Equity Line is available in AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SD, TN, VA, VT, WA, WI, WY with more states to come.

Figure Mortgage Refinance is available in AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, WV with more states to come.

Figure Personal Loan is available in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY with more states to come.

Equal Housing Opportunity

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

As a representative example, an eligible borrower obtained a loan amount of $15,450 with a 3% origination fee at an interest rate of 9.65% for a term of 36 months. That would include an origination fee of $450.00, for an APR of 11.75%. They would receive $15,000.00 and will make 36 monthly payments of $481.55. Loan amounts range from $5,000 to $50,000 and loan term lengths are 36 months or 60 months.

California loans are made and arranged pursuant to a Finance Lenders Law License. Licensed by the Department of Financial Protection and Innovation under the California Finance Lenders Law (License 60DBO81967).

To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Figure’s Personal Loan APRs range from 5.75% to 22.94%, inclusive of a 0.25% discount for enrolling in autopay, and is determined at the time of application. The lowest APRs are for the most qualified applicants based on factors such as credit score, debt-to-income ratio, credit utilization and credit inquiries; rates will be higher for other applicants. The lowest APRs are only available for applicants who are eligible for and select 3 year loan terms; longer terms have higher rates. Rates change frequently so your exact rate will depend on the date you apply. You will be responsible for an origination fee of up to 3.00% of your loan amount, depending on the state in which you reside. Loan terms and fees are also subject to change.

Figure’s Personal Loan amounts range from a minimum of $5,000 to a maximum of $50,000. You may not be eligible for our maximum amount, as minimum and maximum loan amounts vary depending on the state in which you reside and your credit profile.

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Figure’s Personal Loan Referral Program is not available for borrowers or applicants located in Kentucky, Ohio, or Rhode Island, and does not apply to any of Figure’s other loan products. For either party to be eligible to receive the $150 gift card, the referred loan must be funded. Once the referred loan has been funded, it may take up to 5 business days to fulfill the gift card orders, which will be delivered electronically to the email addresses associated with each account.