Fig Loans by FigTech offers payday alternative and credit builder loans in five states. Fig was founded by Wharton Business School graduates Jeff Zhou and John Li in 2015, as a collaboration with the United Way of Greater Houston’s THRIVE initiative. Its aim is to create better, more affordable loan products accessible to low-income Americans with bad credit. 

Fig’s 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, 4-6 month installment loans
  • Credit Builder Loans - reverse loans payments into a secured savings account for 12 months

Fig offers online payday loans and personal installment loans to people 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%

Fig Loan Eligibility and Application Process: 

Fig Loans does not have a minimum credit score or 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, or UT), 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 loan application process requires entering basic information and verifying your bank account with Plaid. Your payment history, income information, and previous loan information are used to determine loan amounts and approval, rather than a credit score. 

Within 24 hours, you can get an email notification about the loan decision. 

Fig Loans offers small-dollar payday-type loans 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. 

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 four to six-month repayment term, borrowers are not required to pay off their 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 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 you repay the loan, Fig Loans reports repayments to all three of the major credit bureaus: Equifax, Experian, and TransUnion. 

Borrowers with poor credit 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. 

If you don’t make a payment on-time this can hurt your credit scores. 

Early Repayment Savings

Fig Loans does not charge an early repayment fee. In fact, customers who repay the full loan balance prior to the pre-set loan term will see savings: all unearned interest will be waived. 

Credit Builder Loans

With Fig, you can work on your credit score with a short-term traditional Fig Loan. You also have the opportunity to improve or repair your credit score through a longer-term credit builder loan, also known as a reverse loan. 

If you can’t get approved by a standard credit card issuer, you probably can’t 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. 

How do Fig Credit Builder Loans help you build good credit? Here’s how the process goes:

  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 your monthly payment is 29 days past due, Fig will close the account and release the funds back to you. That way, you can build good credit when you pay monthly, but your 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 aren’t a source of short-term cash. It takes a while, and people needing immediate money should look towards the standard Fig Loan. 

Customer Support

Fig Loans offers outstanding 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' website provides customers with a very 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 site also includes very detailed info about 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 services 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’s installment loans carry an annual percentage rate (APR) ranging from 36 to 190%. When compared to mainstream personal loan 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’s interest rates are really low compared to other payday loans either online or at a cash store, car title loans, and consumer installment loans, which may be the only other lending options available to people with bad credit that need to gain access to emergency cash. 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 aren’t meant for people that need to borrow a lot of money, all at once. 

Installment-based Fig Loans are small-dollar, short-term loans meant to help not meant for long-term financial answers. Customers can’t borrow more than $500 at a time. This is a relatively low maximum loan amount, which can be constraining for people that need to borrow a bigger lump sum 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, not meant as a quick cash advance or emergencies or medical bills.

Loan Availability

Currently, Fig’s personal loan services are only available in Texas, Missouri, Illinois, Ohio, and Utah, which 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 you make a payment with your debit card, rather than directly from your checking account.

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

The Bottom Line

Fig Loans is one of our highest rated payday lending companies. Its financial products and services offer several attractive policies when it comes to short-term lending for people with no credit or poor credit: flexible repayment schedules, no late fees, customer support, credit building opportunities, and an early repayment discount. 

This lender is a good option for consumers who live in Texas, Ohio, Illinois, Utah, or Missouri, have subprime credit scores, and do not wish to borrow more than $500. This is one of the few lenders offering socially responsible loan terms that help people transition from payday-only credit access to traditional loans 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 is hard to find a lender that will help you establish credit to eventually earn a positive credit report and a good FICO score. 

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User Reviews

Star Rating

4.6
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78 Reviews

Review Breakdown

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Roberto Aguilar
October 8th, 2019 Mission, TX DETAILS
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Great Company excellent service .easy to get a loan.wonderful .Help when I needed it.

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Mrs N Maxwell
May 14th, 2019 Austin, TX DETAILS
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PLEASE READ! i have tried loans with many companies and no other company can compare to Fig! iM on my 2nd loan and the 2nd loan is for a higher amount. so payments are almost double, but, the cool thing is they let me split my payments so before the due date i contact them by email and ask them to split it and they work with u on the dates and viola, never late. i love them so much. YOU WILL NOT BE DISAPPOINTED. and its helped to increase my credit score!! ANOTHER BIG PLUS!!!

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Three time customer
January 2nd, 2018 Spring, TX DETAILS
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They are a great company. Never had any complaints. Just wish they were more understanding when it comes to reporting to credit. Made a mistake once and my payment went passed 30 days. Was an honest mistake. Tried to get it fixed with them with the credit reporting and got no where. So it was pointless, because it showed up as bad credit. Overall, great company. One of the best if not the best small lending company in Texas.

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Gigi
January 2nd, 2018 Roanoke, TX DETAILS
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I have had an excellent experience! They always work with me and provide excellent customer service!

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chantal
January 2nd, 2018 Burnet, TX DETAILS
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Process was not stressful and it helped me out when I needed it most. Thanks so much!

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Proud customer
November 27th, 2017 Red Oak, TX DETAILS
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They allowed me a loan when I was in need and everyone else said no

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Janine
November 27th, 2017 Dallas, TX' DETAILS
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Fig loans is AWESOME! Not only was the company able to help me out in a sticky situation, this loan shot my credit up by quite a bit. They reported on time every month to the three credit bureaus and worked with me if I ever needed to extend my payback dates. Loved it!

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Lisa Polk
November 27th, 2017 Dallas, TX' DETAILS
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Easy, fast approval and next day deposit

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Bando
November 27th, 2017 Dallas, TX' DETAILS
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They will work with you even if you miss a payment. In the will help you get back on track

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Mom/nurse
November 27th, 2017 Wichita Falls, TX DETAILS
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Because they don''t kill you with ridiculously high interest rates and they are extremely nice.

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MARIAN CRAWFORD
November 27th, 2017 Cleburne, TX DETAILS
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THEY ARE CUSTOMER LOYALTY AND SHOW EMPATHY

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Pissed off, OVER CHARGED0, Borrower!!
November 27th, 2017 Arlington, TX' DETAILS
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THEY HAVE THE ABSOLUTE ABILITY TO TOTALLY DESTROY YOUR CREDIT RATING, BY -200 POINTS, SHOULD YOU BE LATE OR MISS A PAYMENT!! BEWARE!!

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Ramon Solabi
November 27th, 2017 Houston, TX' DETAILS
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This is a very good company that gives you room for flexibility with your loan.

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KingKP
November 27th, 2017 Houston, TX' DETAILS
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Easy processing, flexible payments, good customer service, and they really work with you! Don't go with any other loans. Z

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Syd
November 27th, 2017 Houston, TX' DETAILS
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The loans are easily obtained. Simple and direct application and process.

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Sal
November 27th, 2017 Katy, TX' DETAILS
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Came through when nobody else did. My options were few but Fig Loans helped me out with catching up on my bills.

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Mel Nunez
November 27th, 2017 Cypress, TX DETAILS
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Quick and easy application process. It has also increased my credit score.

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Christopher L Smith
November 27th, 2017 Poteet, TX DETAILS
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Rated 4 for no particular reason ,very satisfied with the service provided, prompt response and service.

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Awesome
November 27th, 2017 Missouri City, TX DETAILS
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No problems always there for the customer

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Ag
November 27th, 2017 Missouri City, TX DETAILS
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Kind of expensive. I might try to find another alternative.

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T Bell
November 27th, 2017 Missouri City, TX DETAILS
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Ease of service and the value. Definitely a better option than payday loans and it enhances my credit profile.

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Carmen Jones
November 27th, 2017 Austin, TX DETAILS
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Fig lians gave me a chance when others wouldn't

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Rashida
November 27th, 2017 Pflugerville, TX' DETAILS
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Easy repayment and flexibility of payment schedule

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Melissa
November 20th, 2017 Midland, TX DETAILS
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They are for the community, not the company's pockets.

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Louis
November 13th, 2017 Houston, TX' DETAILS
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Because they worked with me when I couldn't make my payment. I really like them

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Vickie Brinkley
November 13th, 2017 Fort Worth, TX DETAILS
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Very well customer service and support. Very satisfied all thecway. Definitively would recommend

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Queen
November 13th, 2017 Houston, TX' DETAILS
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Hassel free but interest rate higher than other similar loans

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Monique Ukado
November 13th, 2017 Houston, TX DETAILS
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Great service, and very flexible with payment due dates.

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CJ
November 13th, 2017 Lufkin, TX DETAILS
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Very Big help in tough times! They are a good company, but hard to reach!

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Ms Lewis
November 13th, 2017 Houston, TX DETAILS
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Easy and quick approval. Bank draft option.

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Kenneth franklin
November 13th, 2017 Mesquite, TX DETAILS
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I had a loan with them and paid them off. Always keep communication just in case I needed extra time. Then once I paid off the loan I couldn't get another loan.

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Buddy
November 13th, 2017 Jacksboro, TX DETAILS
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Awesome company to work with! Very helpful!

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Teresa
November 13th, 2017 Houston, TX DETAILS
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They were very accommodating and flexible

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EvaM
November 13th, 2017 Houston, TX' DETAILS
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Excellent,expedient, courteous service. Try it!

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Happy Customer
November 13th, 2017 Houston, TX DETAILS
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I have experienced great customer service with FIG loans. They report to the credit bureau. Fig Is more than willing to work with you should any issues arise and you need payment due dates adjusted.

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Mari
November 13th, 2017 Columbus, TX' DETAILS
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They really work with you and offer great customer service

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Danny Thompson
November 13th, 2017 Round Rock, TX DETAILS
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They are Great at being very seviceablr and fair.

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Theresa Davis
November 13th, 2017 Hooks, TX DETAILS
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Always there when needed with my bad credit

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Garfield Norris III
November 13th, 2017 Houston, TX DETAILS
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They are responsive and care! When I had questions they responded by email or phone. They are a GREAT company to boost or rebuild credit!

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Drema
November 13th, 2017 Tyler, TX' DETAILS
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Very accommodating and easy to use website

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Brent
November 13th, 2017 Houston, TX DETAILS
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Very easy to work with, great interest rates considering I have bad credit.

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Maggie
November 13th, 2017 Austin, TX DETAILS
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Very good customer service and easy to work with fee

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James Carroll
November 13th, 2017 Coppell, TX DETAILS
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Easy and great to work with. Never had a problem working with them.

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llm78
November 13th, 2017 Houston, TX' DETAILS
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It was quick, easy and gave me a chance after starting to rebuild my credit.

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Maddie
November 13th, 2017 Houston, TX' DETAILS
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Great customer service, my credit score has increased over 44 points, flexible payments. Awesome mission.

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Alice Carnes
November 13th, 2017 Nederland, TX DETAILS
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They are the ONLY LOAN COMPANY that will Help me with a LOAN... I also like that they are a Once a month Payment, not once a week...

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Minnie
November 13th, 2017 Garland, TX DETAILS
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I like the payments I have at a great lower rate compared to other payday loans I've had.

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Steve
November 13th, 2017 Temple, TX DETAILS
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Because when I needed a loan no one would give me a chance but fig loans and I love them for having faith in me

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Karla M
November 13th, 2017 Fort Worth, TX' DETAILS
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Awesome never hassle me and no hidden fees

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Darryl Clark
November 6th, 2017 Conroe, TX DETAILS
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I've had no problems with them. They let me get loans without problems when I had bad credit. Customer service has been very courteous. I feel good because if I need the money, they're there and give it to me within a few days.