Figure Lending offers fast, transparent, and flexible loan solutions tailored to your financial goals. Apply online and get a decision in minutes.
Getting your loan with Figure Lending is simple, fast, and fully digital — no paperwork, no branch visits required.
Answer a few questions about yourself and your property. This soft inquiry won't impact your credit score.
Securely upload your documents online. Our advanced platform verifies identity and income in real time.
Review your personalized loan offer and sign the agreement digitally from any device, at any time.
Funds are disbursed quickly — often within 5 business days — directly to your designated bank account.
Choose from a range of flexible loan products designed to meet diverse financial needs.
Leverage the equity in your home to access a revolving line of credit with competitive rates. Use it when you need it, pay only on what you draw.
Learn More →Unsecured personal loans for debt consolidation, home improvement, medical expenses, and more. Fast decisions, fixed monthly payments.
Learn More →Refinance your existing mortgage or HELOC at a lower rate to reduce your monthly payment or shorten your loan term and build equity faster.
Learn More →We combine cutting-edge technology with transparent, borrower-first principles to deliver a lending experience unlike any other.
Our AI-powered underwriting delivers credit decisions in as little as 5 minutes — day or night.
Your data is protected with 256-bit encryption, multi-factor authentication, and SOC 2 compliance.
No hidden fees. No surprises. You'll always see the full cost of your loan before you sign anything.
Real loan advisors available via phone and email — ready to guide you through every step of the process.
Apply, sign, and manage your loan entirely online. No fax machines, no branch visits, no waiting rooms.
"The entire process was seamless. I applied on a Tuesday morning and had funds in my account by Friday. No other lender came close to this speed."
"I've refinanced twice and the Figure team made it painless both times. The rates were competitive and the digital process meant zero paperwork stress."
"As a first-time borrower I was nervous, but Figure's advisors walked me through every step. Transparent, professional, and genuinely helpful."
Everything you need to know about borrowing with Figure Lending. Still have questions? Contact us directly.
While requirements vary by product, most Figure Lending loans require a minimum credit score of 620. Higher scores may qualify for better rates and larger loan amounts.
Most applications are completed in under 15 minutes. Credit decisions are often returned in as little as 5 minutes after submission.
No. Figure Lending charges no prepayment penalties. You are free to pay off your loan early at any time without additional cost.
After final approval and e-signature, funds are typically disbursed within 5 business days directly to your bank account.
Checking your rate uses a soft credit inquiry which does not affect your credit score. Only a hard inquiry at formal application may impact your score.
Figure Lending is licensed to operate in most U.S. states. Please contact us at contact@figurelending.app to confirm availability in your state.
Join over 150,000 borrowers who have trusted Figure Lending to help them reach their financial goals. Apply in minutes — it's free to check your rate.
Check My RateOur loan advisors are here to help. Reach out by phone, email, or visit our headquarters in San Francisco.