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Fig Loans

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547 User Reviews

9.9

Overall Score

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Fig Loans by FigTech is a Texas-based lender that offers payday alternative loans along with credit builder loans in six states. 

Fig Loans was founded in 2015 as a collaboration with the United Way of Greater Houston’s THRIVE initiative. The company's aim is to create better, more affordable loan products accessible to low-income Americans with bad credit. 

Fig Loans’ business model is based on social responsibility. This results in more favorable loan terms, flexible payment schedules, and long-term goals for consumers that have bad credit. Two types of loans are available:

  • Fig Loans — payday alternative, 2–6-month installment loans
  • Credit Builder Loans — reverse loans payments into a secured savings account for 12 months

Fig Loans offers online payday loans and personal installment loans to consumers in the following states: 

Illinois 

  • Amount: $300–$500
  • Term: 180 Days
  • APR: 176%

Missouri 

  • Amount: $300–$500
  • Term: 4 months
  • APR: 190%

Ohio

  • Amount: $200–$400
  • Term: 4 months
  • APR: 162%–199%

Texas 

  • Amount: $300–$500
  • Term: 4 months
  • APR: 190% 

Utah

  • Amount: $300–$500
  • Term: 4 months
  • APR: 190%

Florida 

  • Amount: $300–$500
  • Term: 84 Days
  • APR: 208.56%

Fig Loan Eligibility and Application Process: 

Fig Loans does not have a minimum required credit score and does not require a traditional credit check.

To be eligible for an installment loan, one must live in one of the five states (IL, MO, OH, TX, UT, or FL), and meet the following requirements: 

  • 18+ years old
  • Regular source of income
  • Have an active checking account with 90 days of history
  • Get your paychecks with direct deposit

The company’s loan application process requires that consumers enter basic information and verifying their bank account with Plaid.

The potential borrower’s payment history, income information, and previous loan information are used to determine loan amounts and approval, rather than a credit score.  

Within 24 hours, consumers will get an email notification about the loan decision.

Fig Loans offers small-dollar, payday-type bad credit loans ranging from $200 to $500. They are modeled after home loans and installments are repaid on a schedule that fits the borrower's needs and budget. Fig Loans will work with its customers to adjust payment dates if necessary. 

After an initial loan, borrowers can transition into a long-term, credit building loan. 

Keep reading for pros and cons, plus Fig Loan reviews from real customers. 

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The Good

  • Flexible Repayment Terms
  • No Late Fees
  • Improve Your Credit
  • Early Repayment Savings
  • Credit Builder Loans
  • Customer Support 
  • Helpful FAQ Page
  • Socially Responsible Payday Lending

Flexible Repayment Terms

Fig Loans focuses on helping customers repay personal loans on their own schedule. 

Even though all installment loans are initially set up with scheduled monthly installments to be paid in four to six-month repayment terms, borrowers are not required to pay off their small loan in that time span. 

No Late Fees

The Fig Loans customer service team will alter payment schedules as necessary to better suit borrowers' budgets.

Customers can change their payment dates within one business day of their due date.

Because the company works with clients to avoid NSF fees, borrowers will never be charged a fee to change a payment date or for late payments. This is something that is hard to come by when compared to other payday loan lenders.

Improve Your Credit

Reporting payments to the credit bureaus is the first step toward healthy credit history because it establishes a track record of good payments.

As borrowers repay the loan, Fig Loans will report the repayments to all three of the major credit bureaus: Equifax, Experian, and TransUnion.

Borrowers with poor credit will benefit as they pay off their Fig Loan, payments are reported to the credit bureaus. They can improve their credit score and become more financially stable for the future.

However, it’s important to note that this repayment-reporting process can hurt borrowers’ credit scores if they fail to make each payment on time.

Early Repayment Savings

Fig Loans does not charge borrowers an early repayment fee.

In fact, those who repay their full loan balance prior to the pre-set loan term will see savings, and all unearned interest will be waived. 

Credit Builder Loans

With Fig Loans, consumers can work on their credit score with a short-term traditional loan. Borrowers also have the opportunity to improve or repair their credit score through a longer-term credit builder loan, also known as a reverse loan. 

If consumers can’t get approved by a standard credit card issuer, they likely won’t be able to get approved for an unsecured loan or most other types of loans without a deposit or collateral. 

The U.S. Consumer Financial Protection Bureau (CFPB) recommends that people establish a credit report or build credit with three credit options: a secured credit card, a retail credit card, or a credit builder loan, like the one offered by Fig Loans. 

Here’s how the Fig Credit Builder Loans process works:

  1. Application
  2. Approval 
  3. Pay a one-time origination fee to open the account
  4. Make monthly payments into a savings account for 12 months
  5. Your payments are reported to Equifax and TransUnion (Experian later this year)
  6. Your credit score increases as you make payments
  7. Your money that has been saved is released to you, and your credit score is improved by an average of 47 points

There are no late fees with the credit builder loan. If a borrower’s monthly payment is 29 days past due, Fig Loans will close the account and release the funds back to the borrower. That way, borrowers can build good credit when they pay monthly, but their credit rating can’t be negatively affected by the loan. 

When closed at 29 days, the lender doesn’t have to provide an unpaid or late payment report to the credit reporting agencies, so the loan only adds positive credit history, rather than hurting it. 

These types of loans are not designed to be a source of fast cash. The process does take time, and people needing immediate money should look towards the standard Fig Loan. 

Customer Support

Fig Loans has been known to provide quality customer service. All service representatives are available by phone, email, or text.

Within minutes of contact, borrowers will be connected to an actual Fig Loans staff representative. 

Helpful FAQ Page

Fig Loans' main website provides customers with a helpful FAQ page. Most of the answers that a borrower would have about their loan and payment schedule can be found on this page.

The website also includes detailed info regarding interest rates and terms, and how they compare to popular payday lenders’, as well as a graphic that helps illustrate loan costs depending on terms. 

Socially Responsible Payday Lending

Fig is the first FinTech company to be certified as both a B Corporation, in 2017, and as a Community Development Financial Institution (CDFI), in 2019. 

What does this mean to borrowers?

Financial inclusion: This is a responsible lender with policies that work with, not against low-income and underserved borrowers with bad credit.

Certified B Corporations balance “purpose and profit” by meeting high social responsibility, environmental performance, public transparency, and legal accountability standards.

CDFIs are certified by the United States Treasury Department’s Community Development Financial Institutions Fund. This distinction is reserved for financial service providers that promote community development and serve low-income target markets. Most of these are community organizations like nonprofits and community credit unions. 

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The Bad

  • Interest Rates
  • Credit Limit
  • Loan Availability
  • Debit Card Fee

Interest Rates

Fig Loans’ installment loans carry an annual percentage rate (APR) ranging from 36% to 190%. When compared to mainstream personal loans and traditional loan standards, this is rather high.

The company's introductory loan APRs start on the higher end of the spectrum and decrease as borrowers establish a good history of making loan payments on their small-dollar loans.

As consumers transition into the secondary builder loan, loan rates and fees change because the loan has a different structure and purpose.

However, Fig Loans’ interest rates are still low compared to other payday loans in terms of online or in-store loans, auto title loans, and consumer installment loans, which may be the only other lending options available to people with bad credit who need to gain access to emergency cash.

The majority of payday lenders often charge over 400% APR and in some states, it can be over 1,000% APR. 

Credit Limit

Unfortunately, Fig Loans’ financial services are not meant for people that need to borrow a large portion of money all at once.

Installment-based Fig Loans are small-dollar, short-term loans that are designed to help those who need fast cash, not for those who are looking for long-term financial solutions.

Customers are not allowed to borrow more than $500 at a time. This is a relatively low maximum loan amount, which can be constraining for people who need to borrow a bigger loan amount because they are experiencing financial distress.

Additionally, Fig Credit Builder Loans are meant to help build financial stability for long-term credit success, but it is a secured savings account, which is not designed as a quick cash advance or emergencies or medical bills.

Loan Availability

Currently, Fig Loans’ personal loan services are only available in Texas, Missouri, Illinois, Ohio, Utah, and Florida.

This lack of state availability limits the number of consumers with bad credit who can gain access to this company’s beneficial lending services.

Debit Card Fee

There is a 3% fee charged if borrowers make a payment with their debit card, rather than paying directly from their checking account.

Keep in mind that most other online payday loan lenders or in-store payday lenders don’t even let borrowers make debt payments at all with a debit card. This is a great plus for payment convenience. 

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The Bottom Line

Fig Loans is one of our highest rated payday lending companies. The company’s mission is to help working-class Americans build credit and solve urgent cash needs.

Fig Loans’ financial products and services offer several attractive policies when it comes to short-term lending for people who need quick cash and who have no credit or poor credit: flexible repayment schedules, no late fees, customer support, credit building opportunities, and an early repayment discount.

This payday lender is a good option for consumers who live in Texas, Ohio, Illinois, Utah, Missouri, or Florida, have subprime credit scores, and do not wish to borrow more than $500 at once.

Fig Loans is one of the few lenders that offer socially responsible loan terms that help people transition from payday-only credit access to traditional loan options at mainstream banks or financial institutions.

The Fig Credit Builder is a huge asset. If you are credit-invisible or unscored, due to stale credit history, it can be hard to find a lender that will help you establish credit to eventually earn a positive credit report and a good FICO credit score.

We recommend that you read customer reviews and visit Fig Loans’ main website to learn more about the company’s products and services. 

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Star Rating

4.8

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547 Reviews

Review Breakdown

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4 grade

8%

3 grade

2%

2 grade

1%

1 grade

1%

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Verified Customer

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Amanda Nelson

I highly recommend Fig Loans because they are so different from payday loan companies or other short-term loan companies. I was easily approved and the payments were actually affordable and the interest was much lower than others. The monthly payment was something I could actually afford instead of going further & further into debt trying to pay them back like with most other companies. I've only had to email customer service a couple of times to ask a question and they have always gotten back to me within the hour & have all been super friendly & helpful. I've had 4 loans with them now & currently have one now. The only thing I can say I was a little disappointed with was that I've had several loans with them. I always paid off my current loan & then applied for another and they started loaning me a little more each time. But the last one I had before now, I paid off and didn't request another one for a couple of months & for some reason, I was only approved for $200 this time when I decided to apply for a new one in June. I was a little disappointed over that & didn't really understand why since I have always made all of my payments & paid off all of my loans with them on time, usually early actually, & my income has increased since my first loan with them. My very first loan with them was for $300 so I was pretty surprised to only get approved for $200 this time around, but still a great company to work with and a great experience overall. Plus they do report to the credit bureaus, unlike others, & that is one of the main reasons why I decided to go with them because it does help your credit if you make all of your payments. Fig is awesome & I would absolutely recommend them to anyone needing a small loan that won't put them in a financial bind and help their credit as well.

9 months ago

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Reply from Fig Loans

Hi Amanda, thank you so much for this thorough, thoughtful, and kind review. We're sorry to hear about your experience with the repeat and would love to hear from you at [email protected] to discuss this more in detail and come up with a plan! Warmly, Fig Loans Customer Service

Jul. 23rd, 2020

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Verified Customer

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Autumn

Fig Loans was suggested to me through credit pass. I am glad I did it because even though it is a small loan, it did show up on my credit report and helped improve my score, which is what I wanted because I had erroneously gotten loans from other small businesses to improve my credit score and they did not. I was able to do it all online quickly. The approval process was quick. Having it auto debit my account was great and I got plenty of reminders that money would be coming out of my account. Customer service is the best. When I used them the first time and was trying to understand the system, they responded to my email extremely quickly and all my questions were answered.

10 months ago

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Reply from Fig Loans

Hi Autumn, thank you for trusting us when you needed help! Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Jessica L. Austin, TX

Helped me boost my credit to the next level I needed. They are flexible and easy to work with. Fig loan is here to help you succeed not trick you into high payments. So far I have nothing but a great experience with Fig loans.

8 months ago

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Reply from Fig Loans

Thanks for your kind words Jessica. We strive for transparency and glad to hear it's coming across!

Aug. 28th, 2020

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Veronica Woodway, TX

I was in a very difficult financial situation. It was hard to get approved, that’s why I chose fig loans. Their interest rates are pretty fair. I am happy I ended up finding them because I have been satisfied and I am on my 4th or 5th account with them. They are pretty easy to get a hold of and can more your payment date, which is pretty helpful. It doesn’t take long to get approved, it is about a 24 hour wait.

9 months ago

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Reply from Fig Loans

Thank you for trusting us! We are so happy we were able to help you on your financial journey!

Aug. 10th, 2020

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Quentin

This company is very straight-forward and very easy to deal with. These types of loans should still be used for an emergency but this is quite a few steps up from a typical payday loan in my opinion. Very reasonable fees and repayment terms and it all gets reported to all credit bureaus and really helps your credit whereas a payday loan damages it badly. They even offer a referral program to allow you to earn back a lot of the fees incurred. Highly recommend if you don't have access to funds on more favorable terms at the moment.

9 months ago

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Reply from Fig Loans

Hi Quentin, thank you so much for this kind and thoughtful review. We really appreciate your continued support. Warmly, Fig Loans Customer Service

Jul. 20th, 2020

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Verified Customer

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Timothy

I came across Fig Loans on Instagram and it appeared to me that it would help build my credit, as someone who damaged their credit at a young age. The approved me and since last October I’ve risen my score 85 points. Sometimes in the most recent times, I have only been approved for 200 and not the 400-600, which is not what I wanted, customer support told me that was all they were comfortable loaning me at the time even though I have paid it off consistently.

10 months ago

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Reply from Fig Loans

Hi Timothy, thank you for making us part of your financial journey. Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Michael

I had some repairs I had to do and they seemed to be the company that most fit my needs with a quick turnaround and low interest rated. I got my money real quick. I don’t have any negative things to say about the process. It was quick and painless. They met my needs specifically and made me feel that they actually cared about me as a customer. I have recommended fig loans to my friends and family and might used them in the future if I ever have short term cash needs.

10 months ago

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Reply from Fig Loans

Hi Michael, thank you for trusting us when you needed help! Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Nakedra Dallas, TX

Covers all the information given to you up front. Once you provide your information, it's automatic withdrawal. Just makes it conveinent also with the notification that you have an upcoming draft and things like that is very helpful as well. There was one incident where i had to reach out to them last minute. I needed to switch a date, it was already past. They responded to me within hours anyway to make the adjustments that I need. They were very helpful.

11 months ago

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Reply from Fig Loans

Hi Nakedra, Thank you so much for this thoughtful and warm review! We really appreciate it. Best, Fig Loans Customer Service

Jun. 9th, 2020

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Verified Customer

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Danica Houston, TX

Anytime I have something going on or I'm unable to make a payment or need a little bit of time, I'm able to contact them and they always have a quick response. If I have any questions, they're always available. The process is pretty straightforward. They give you all the information, no hidden fees or anything like that. It's really straightforward and quick to the point.

11 months ago

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Reply from Fig Loans

Hi Danica, thank you so much for the kind words! Warmly, Fig Loans Customer Experience

Jul. 23rd, 2020

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Verified Customer

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Lenolia Givens Houston, TX

Everything is laid out in the website and they don't hide any fees or information from you. They are flexible as far as it goes with how I make my monthly payments. I can also do a payday loan where I pay every two weeks, and the amounts that you have to pay back are also reasonable. Even when I pay them off, they thank me! They are prompt when it comes to responding to my questions and concerns and I've gotten a response every time I call. There were maybe 1 or 2 times when I had to leave a message, but I didn't even have to wait 24 or 48 hours to hear back from them. They never gave me any hassles.

3 years ago

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Reply from Fig Loans

Hi Lenolia, Thank you so much for your kind words! We're so happy to hear that you found our payment plans flexible and our team responsive. Best, Fig Loans Customer Service

May. 11th, 2020

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Verified Customer

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Raymond Fort Worth, TX

The process was easy. I am glad I did it and chose Fig Loans because it was convenient. I did not have to provide them an arm and a leg of paperwork. It was just a few clicks on the website and I was approved. The customer support call answered all my questions.

9 months ago

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Reply from Fig Loans

I'm happy we were able to help, Raymond!

Aug. 10th, 2020

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Verified Customer

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Shawanda Williams

As soon as a applied, I received a response within 24 hours. I chose Fig Loans because of the interest rate, it is lower than Payday Laon and only one payment a month. It is very convenient and easier than Payday Loan. They always communicate efficiently.

10 months ago

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Reply from Fig Loans

Hi Shawanda, thank you for making us part of your financial journey. Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Ramon

They get the highest recommendation from me. They are very assistive. The process went well, it is all able to do online. They don’t tell you why you don’t qualify but if you do they deposit it. It is an easy process and the repayment process is easy.

10 months ago

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Reply from Fig Loans

Hi Ramon, thank you for making us part of your financial journey. Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Malvina

The process was easy, it did not take long at all. I would recommend them over any other loan company for short term loans. There is not a lot of interest. It is a great company. I called in once and couldn’t make the full amount and they let me break it up to save it.

10 months ago

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Reply from Fig Loans

Hi Malvina, thank you for the kind words! Warmly, Fig Loans Customer Experience

Jul. 27th, 2020

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Verified Customer

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Sherry

Very reasonable rate and they are very accommodating. They work well with you and do whatever they can to make sure that no matter what your situation is, they can fix it. They are very understanding and flexible. The website makes it very easy to apply for the loan.

10 months ago

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Reply from Fig Loans

Hi Sherry, thank you so much for the compliments to our service team. We're blushing! Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Aubreanna

I chose it because it is easy and simple and I am glad I did it. I did have difficulties at one point but after a while it was all resolved. Whenever I call customer service with question, I have always been given a complete answer and I have never left without knowing.

10 months ago

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Reply from Fig Loans

Hi Aubreanna, thank you for making us part of your financial journey. Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Richard

I chose it over credit karma and I am happy I did. They’ve been very good with whatever I email them. If I need some type of assistive, they are there to help. It is pretty easy and simple getting the loan. It’s a great company and been a pleasure doing business with them.

10 months ago

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Reply from Fig Loans

Hi Richard, thank you so much for the positive feedback! Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Anonymous

I’ve had a really good experience with them. It’s easy to make the loan and if you can’t pay it, you can postpone or reschedule it. The money appears in my account the nest day. If you need a quick three or four hundred dollars, I would certainly recommend them.

10 months ago

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Reply from Fig Loans

Hi there, thank you for trusting us when you needed help! Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Molly Lindale, TX

They are always available. Everything is used friendly on the website so you don’t need to talk to a representative. It’s easy to figure out what you have going on. They’re honest about their payoff and they don’t try to trick me out of money. I am pleased with them.

10 months ago

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Reply from Fig Loans

Hi Molly, thank you so much for the compliments to our service team. We're blushing! Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Keonna Sterling, IL

I always uses fig loans for a small loan because I am able to pay it back and make my own schedule. The interest is very low so it is easy to get the loan and pay it off. They’re flexible with their payment. It was very easy and simple.

10 months ago

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Reply from Fig Loans

Hi Keonna, Thank you so much for this positive feedback. We're happy to have you in the Fig Fam. Warmly, Fig Loans Customer Service

Jul. 6th, 2020

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Verified Customer

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Leonora Lowery Wylie, TX

Fig Loans has added a level of care and conscientious humanity in its transactions that is sorely missing from many enterprises today. I am lucky to have found them and am grateful for the unyielding support and excellent customer service that they have afforded me during the most difficult finacial crisis we have ever faced! Thank you Fig Loans!

10 months ago

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Reply from Fig Loans

Hi Leonora, this review made me tear up! Thank you so much for this kind, and thoughtful review. Helping you is a privilege, and we sincerely thank you for trusting us when you needed help. Thanks again for taking the time to share your experience with us. Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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GINGER ERWIN Odessa, TX

Best company that are prompt to your needs for.emergency funding (as quick as 24 hrs), professional and compationate staff, loan rates are cheaper, they have flexible due dates, also works with you in any crisis, helps build your credit score

10 months ago

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Reply from Fig Loans

Hi Ginger, thank you for trusting us when you needed help! Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

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Shirley Houston, TX

I'm extremely glad I got my loan through Fig Loans. It was most affordable and it's just easier to pay back the payday loans, you know upfront what you're going to pay and how many payments you'll have to pay. To be honest with you, this has been easier to deal with and more customer service focus. They follow up promptly.

11 months ago

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Reply from Fig Loans

Hi Shirley, Wow, thank you so much for these kind and thoughtful words! We really appreciate it. Best, Fig Loans Customer Service

Jun. 9th, 2020

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Verified Customer

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Tiffany Houston, TX

It was very easy. It's cut and dry, very simple, not much to it. In the event that I have questions, I can contact them by email. They pretty much have it laid out pretty simple and any type of information that you need changed or updated you can do it all online. It's very convenient.

11 months ago

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Reply from Fig Loans

Hi Tiffany, Thank you so much for these kind and thoughtful words! Warmly, Fig Loans Customer Service

Jun. 9th, 2020

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Verified Customer

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Tammy Garland, TX

They were very understanding if I had to move a payment. They were very easy to work with and they just made the experience easy. It's very conveinent. Very user friendly on the app as well as being able to text to your balances.

11 months ago

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Reply from Fig Loans

Hi Tammy, Thank you so much for these kind words! We're happy to hear you're enjoying the app. Best, Fig Loans Customer Service

Jun. 9th, 2020

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Verified Customer

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Victor Elgin, TX

It was quick, I think the next day or after a couple of days. They were very quick with answering questions that I had at one point. There was a few times where I couldn’t' make the payments on time and thyere was just a quick message and they reply right away and help me out a lot.

11 months ago

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Reply from Fig Loans

Hi Victor, Thank you so much for your kind words! We're happy we were able to help. Warmly, Fig Loans Customer Service

Jun. 4th, 2020

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Verified Customer

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Vanessa Seagoville, TX

The process is so seamless. I just log onto my account, request a loan, they pick up 24 hours, after that the money is deposited in my account. It's just easy. Every time I've had an issue or just general purchasing, they helped me out and they always remain professional at all times.

11 months ago

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Reply from Fig Loans

Hi Vanessa, Thank you so much for this kind and thoughtful feedback! Warmly, Fig Loans Customer Service

Jun. 9th, 2020

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Verified Customer

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Delores Houston, TX

Fig Loans should be chosen over any other payday loan. They're one of the best loan companies for high risk partners. They give you a steady loan price to choose to take care of the loan. If you're not able to pay, they work with you no matter what your situation is.

11 months ago

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Reply from Fig Loans

Hi Delores, thank you so much for this kind and thoughtful review! Warmly, Fig Loans Customer Experience

Jul. 23rd, 2020

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Verified Customer

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Maricela San Antonio, TX

It's easy and quick. When you're looking for a loan, you're trying to find somebody that'll give you an answer within a day or so and their quickness and responses were really helpful to me. Every time I needed help and reached out to them, they were alwasy there and responded properly and try to do whatever it takes to help me.

11 months ago

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Reply from Fig Loans

Hi Maricela, thank you so much for this kind and thoughtful review! Warmly, Fig Loans Customer Service

Jul. 23rd, 2020

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Verified Customer

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Jacqueline

It's very simple to fill out the application online and they pretty much let you know within the same day whether you've been approved or not. I love that they text and email me when my next payment is coming up so I don't forget.

11 months ago

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Reply from Fig Loans

Hi Jacqueline, Thank you so much for taking the time to leave this thoughtful review! Warmly, Fig Loans Customer Service

Jun. 4th, 2020

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Verified Customer

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Delisa King Arlington, TX

A friend that used them recommended it to us. It's easy to contact them if I ever have any questions. If I needed to change the date of my payments, they let me do that. They also let me know with several days in advance when a payment is due, and that's when they ask me if I'd like to change the date. Customer service is very friendly, and not a lot of companies do that. I'm glad I signed up with them. I'd recommend it for anybody who is in need of a loan.

3 years ago

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Reply from Fig Loans

Hi Delisa, Thank you so much for this thorough and thoughtful review! We're so happy to hear you've had a good experience. Best, Fig Loans Customer Service

Jun. 9th, 2020

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Verified Customer

star star star star star

Caren Bouchard Houston, TX

It was recommended to me by a non-profit organization. Since their fee was lower than any other company and they were trusted by a couple of other charities, I decided to go ahead with it. They were absolutely fantastic. My car broke down and they were able to get me money immediately to fix it. I could consistently get a hold of an actual person when I called them rather than having to email them. It's a fantastic company and they helped me get through a very stressful time. It helped me a lot.

3 years ago

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Reply from Fig Loans

Hi Caren, thank you so much for this kind and thoughtful review! Warmly, Fig Loans Customer Service

Jul. 23rd, 2020

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Verified Customer

star star star star star

David Walters Austin, TX

I just found them online and since they had reviews and looked like the cheapest option, I decided it was the best way to go. They have good customer service and they always responded to my needs and problems. Even when I was behind on my bills, they helped me. They were able to extend my loan by a few days when I really needed that. I felt pretty good about it.

3 years ago

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Reply from Fig Loans

Hi David, thank you for the positive feedback! Warmly, Fig Loans Customer Service

Jul. 23rd, 2020

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Verified Customer

star star star star star

Jenny Austin, TX

Every time I have a questions, customer service has been really helpful and able to guide me through the steps I need to take to complete the loan. All of it is done online, which is easy.

9 months ago

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Reply from Fig Loans

Thank you for your kind words Jenny! Hopefully we can continue to guide you through steps in your financial life!

Aug. 10th, 2020

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Verified Customer

star star star star star

Falana Cincinnati, OH

For anyone who needs a small loan in a hurry, I would recommend Fig Loans. I liked that they were a way I could pay it back. It was easy online and when I called them, there were not long wait times and they had answers.

9 months ago

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Reply from Fig Loans

Thank you for your review, Falana!

Aug. 10th, 2020

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Verified Customer

star star star star star

Karen Cincinnati, OH

I’ve been satisfied with it every time I have used it. I’ve used it a couple of times. It is easy and very affordable. I have had a few questions and they have answered all my questions. It is convenient and hassle free.

9 months ago

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Reply from Fig Loans

We're so happy to hear this, Karen!

Aug. 10th, 2020

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Verified Customer

star star star star star

Shayna Poplar Bluff, MO

Interest rates aren’t too bad. It’s easy to pay back. They are very quick at procession and getting the money direct deposited into your account. I like the flexible pay aback schedule. I have chosen them a few times now.

9 months ago

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Reply from Fig Loans

Thank you for choosing us, Shayna!

Aug. 10th, 2020

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Verified Customer

star star star star star

Cassaundra Cleveland, OH

Wish they would advertise more so that more people would know about them, I tell everyone about it. It was much better than a payday loan. They were wonderful. I have no complaints.

9 months ago

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Reply from Fig Loans

Hi Cassaundra, thank you for this very important feedback! Where would you like to see Fig advertise? Facebook? Instagram? Let us know and we will make it happen!

Aug. 10th, 2020

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Verified Customer

star star star star star

Nely

They been great, easy, simple and fast. They only let you borrow according to your finances and We pay only once a month way better than any other loans who charge you every check.

9 months ago

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Reply from Fig Loans

Hi Nely, thank you so much for the positive feedback! Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

star star star star star

Anonymous

It’s fast convenient and no hassle. Any time I had a concern I was able to reach out on the phone or chat and they always answered my question. Keep up the good work and thank you for being readily available.

10 months ago

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Reply from Fig Loans

Hi there, thank you so much for this thoughtful review. Warmly, Fig Loans Customer Experience

Jul. 27th, 2020

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Verified Customer

star star star star star_border

Brian

They make it very simple, you apply for the loan and you have a reply within 24 hours of approval. They should have more personal contact with their customers and I think for repeating customers, they should give you access to a higher loan value but other than that it is a great company.

10 months ago

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Reply from Fig Loans

Hi Brian, thank you so much for this thoughtful review. We super appreciate the feedback and will pass it along to our product team! Warmly, Fig Loans Customer Experience

Jul. 27th, 2020

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Verified Customer

star star star star star

Charlene

When you need to change the date, they give you the opportunity. I’ve only communicated with them through email and sometimes you really need to hear a live voice not an electronic one.

10 months ago

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Reply from Fig Loans

Hi Charlene, thank you so much for this thoughtful review. Warmly, Fig Loans Customer Experience

Jul. 27th, 2020

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Verified Customer

star star star star star

Danielle

Any time I’ve ever had any issue, which hasn’t been a lot, they’ve been there to assist me. It is very easy and they are very quick with communication. It is a reasonable amount to pay every month.

10 months ago

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Reply from Fig Loans

Hi Danielle, thank you so much for this thoughtful review. Warmly, Fig Loans Customer Experience

Jul. 27th, 2020

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Verified Customer

star star star star star

Joshua

To anyone that needs a short term loan, I recommend Fig Loans. I needed money because my credit was not that good and it is easy and straightforward. It could be a little easier to reach an actual real person.

10 months ago

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Reply from Fig Loans

Hi Joshua, thank you for the kind words! Warmly, Fig Loans Customer Experience

Jul. 27th, 2020

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Verified Customer

star star star star star

Rickie

Honestly they are doing great. I like the company. Obtaining the loan was really easy and it did not take a whole lot of time. I didn’t get 99 emails but customer service is good.

10 months ago

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Reply from Fig Loans

Hi Rickie, thank you so much for the compliments to our service team. We're blushing! Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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Verified Customer

star star star star star

Anonymous

They were fine. They were available and it was a very easy process. They were kind and didn’t try to sell me anything. Everybody treated me like an individual and were concerned about me.

10 months ago

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Reply from Fig Loans

Hi there, thank you for the kind words! Warmly, Fig Loans Customer Experience

Jul. 27th, 2020

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Verified Customer

star star star star star

Eric Florissant, MO

It was convenient and has a reasonable interest rate. You can change your payment dates or stuff like that on the website so it is pretty easy and simple. They didn’t make the process complicated.

10 months ago

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Reply from Fig Loans

Hi Eric, Thank you so much for this positive feedback! Warmly, Fig Loans Customer Service

Jul. 6th, 2020

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Verified Customer

star star star star star

Samantha Roselle, IL

Fig Loans was recommended to me through a credit company and I am glad I went with them because the payments were affordable and the interest wasn’t to bad and they were flexible with payment.

10 months ago

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Reply from Fig Loans

Hi Samantha, We're so happy you chose us, too! Warmly, Fig Loans Customer Service

Jul. 6th, 2020

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Verified Customer

star star star star star

Sharaif Cincinnati, OH

It was a very fast process. I needed a short loan that could be paid off in a short period of time. It was all handled online and it was handled efficiently. I recommended them to a friend already.

10 months ago

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Reply from Fig Loans

Hi Sharaif, Thank you so much for these kind words! Warmly, Fig Loans Customer Service

Jul. 6th, 2020

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Verified Customer

star star star star star

Charles Williams Houston, TX

5 Star Service in helping the customer not only with finical help but also credit building. I would recommend this service to anyone needing the loan or increasing their credit.

10 months ago

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Reply from Fig Loans

Hi Charles, thank you for trusting us when you needed help! Warmly, Fig Loans Customer Service

Jul. 27th, 2020

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