Personal Loan: Referral Program - Terms & Conditions

Eligibility. The Program is available to all persons residing in states where Figure’s Personal Loan is available with the exception of Kentucky, Ohio and Rhode Island; see our website (  Opens a new window.) for more details. For you and the person(s) you refer to be eligible for the gift card reward, the person you referred must be a first-time borrower with Figure. The person(s) you refer must apply for a Personal Loan via the referral link you share, or by using the email address associated with your Figure account. The gift card rewards are earned when the person you refer applies for a Personal Loan, is approved, accepts the loan and signs the necessary documents, and then receives the funding of such loan. Once the referred loan has been funded, it may take up to five (5) business days to fulfill the gift card orders, which will be delivered electronically to the email addresses associated with each account.

Restrictions. Figure members (only) may refer others, those who have not applied for a Figure product will not be awarded. You are only eligible to receive a gift card reward the first time that a person you refer obtains a Personal Loan using your referral link or the email address associated with your Figure account. You are not eligible to receive another gift card reward if that same person later applies for and/or obtains an additional Personal Loan from Figure. Similarly, you will not be eligible for a gift card reward if the person you refer has previously received a Personal Loan from Figure. Please note that you cannot “refer” yourself and you will not receive a gift card reward for any attempt to do so. The Program is limited to Figure’s Personal Loan, and you will not receive any gift card reward for referring any other loan products Figure offers. If you choose to participate in the Program, you must comply with all applicable laws and regulations, including, but not limited to, email and anti-spam laws. Soliciting referrals for commercial purposes or via bulk email distribution, social media, or with the assistance of a hired third party is prohibited. Soliciting referrals shall be limited to your friends, family, and other direct, personal acquaintances you believe would have an interest in Figure’s Personal Loan product. Figure reserves the right in its sole determination to prohibit any email or social media distribution of the referral link or information. There are no limits to the number of referrals that a customer can make.

Miscellaneous. You acknowledge that your participation in the Program is solely as an independent contractor, and that it does not constitute any type of employment relationship, nor shall it be considered or construed to be a partnership or joint venture. Any compensation/benefits received in connection with your participation in the Program is limited to the gift card rewards that you earn by following the rules set forth herein. Additionally, the activities you conduct as part of your participation in the Program shall be limited to providing the referral link or information to your friends, family, and direct personal acquaintances, and you agree to not solicit and/or accept applications on behalf of Figure, or assist individuals with completing loan applications. Each participant in the Program is solely responsible for any taxes on any reward received in connection with the Program, and if applicable, you may receive an IRS Form in the event that your rewards exceed a certain dollar amount. By participating in the Program, you agree to release, and hold Figure, its employees, officers, directors, shareholders, representatives, advertising agencies, and Program administrator harmless from any and all liability, injuries, losses, and damages that result, directly or indirectly, with your participation in the Program, including, but not limited to, attorneys’ fees and court costs. Figure, in its sole discretion, has the right to disqualify any participant who Figure determines has not followed these rules or is otherwise ineligible.

Program Changes. Figure reserves the right to modify, suspend, or terminate the Program at any time, for any reason.