error This company may not service all states.

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. 

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. 

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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User Reviews

Star Rating

4.8
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530 Reviews

Review Breakdown

5 star
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Quentin

July 16th, 2020 DETAILS arrow_drop_down
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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.

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Reply from Fig Loans

Jul 20, 2020

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

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Marilynn Varner

July 8th, 2020 DETAILS arrow_drop_down
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They are straight forward. Web page very friendly user. The rates and payment plan is great. I like the fact if you come into problem with due date they give you option to change it. Great company to do business with.

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Reply from Fig Loans

Jul 23, 2020

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

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Will

August 7th, 2020 Independence, OH DETAILS arrow_drop_down
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It was easy,quick, and no hassle. Here's what we can do for you, pay it on time or in full and we will give you more. How all loans should be

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Reply from Fig Loans

Aug 10, 2020

Thank you for being such a great customer, Will!

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Nat

August 7th, 2020 Dallas, TX DETAILS arrow_drop_down
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I was able to get a loan with bad credit. I was always approved

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Reply from Fig Loans

Aug 10, 2020

Thank you for your review, Nat!

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Alberto Salgado

August 7th, 2020 Hollister, MO DETAILS arrow_drop_down
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Very easy application no hassle no puzzle

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Reply from Fig Loans

Aug 10, 2020

Thank you for your feedback, Alberto!

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Antonio

August 7th, 2020 Houston, TX DETAILS arrow_drop_down
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It is simple and easy to qualify. They also work with you if you are unable to pay your loan on the due date without charging a bunch of extra fees.

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Reply from Fig Loans

Aug 10, 2020

Thanks Antonio!

Verified Customer

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Deborah Brown

August 7th, 2020 Cleveland, OH DETAILS arrow_drop_down
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Excellent customer service payment plan was very agreeable

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Reply from Fig Loans

Aug 10, 2020

Thank you for being such a great client to work with, Deborah!

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Sandra

August 7th, 2020 Jackson, MO DETAILS arrow_drop_down
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Gave me a loan 2x I paid on time everytime but went to take out 3rd loan for same amount 2 moths later with no income change and was denied for no reason

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Reply from Fig Loans

Aug 10, 2020

Hi Sandra, We work with repeat customers who have been denied. Can you please send an email to [email protected] so we can see what happened to your 3rd loan?

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Alvin Velez

August 7th, 2020 Round Rock, TX DETAILS arrow_drop_down
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great service and fast service. excelent way to obtain a loan with poor credit

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Reply from Fig Loans

Aug 10, 2020

We are so happy we were able to help out Alvin!

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Stacy Tooley

August 7th, 2020 Washington, MO DETAILS arrow_drop_down
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Low payment amounts. With monthly payments instead of biweekly. Approval odds a great when you are in a pinch

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Reply from Fig Loans

Aug 10, 2020

We're so happy we were able to be there for you!

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Sophia Herrera

August 7th, 2020 San Antonio, TX DETAILS arrow_drop_down
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Fig loans have helped me with my credit and helping me pay bills.

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Reply from Fig Loans

Aug 10, 2020

Glad we were able to help!

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Mel

August 7th, 2020 Midland, TX DETAILS arrow_drop_down
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Easy application and fast approval. If you paid it before the 28 days after you have been approved you can pay the money you owe

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Reply from Fig Loans

Aug 10, 2020

That's right Mel! Thanks for your review :)

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Cecil Webb Jr

August 7th, 2020 Greenville, OH DETAILS arrow_drop_down
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Easy payoff schedule & low interest rate

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Reply from Fig Loans

Aug 10, 2020

Thank you for your review, Cecil!

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jennifer

August 7th, 2020 Saint Ann, MO DETAILS arrow_drop_down
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professional and care about their customers

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Reply from Fig Loans

Aug 10, 2020

Thank you Jennifer!

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Nichole

August 7th, 2020 Akron, OH DETAILS arrow_drop_down
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They're fast, easy to apply and a decent interest rate.

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Reply from Fig Loans

Aug 10, 2020

Thanks for your review, Nichole!

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Gregg Green

August 7th, 2020 Austin, TX DETAILS arrow_drop_down
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Easy to work with. Value for my money. No hidden costs. Always available Customer Service

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Reply from Fig Loans

Aug 10, 2020

Happy to hear it, Gregg!

Verified Customer

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Marcus Barber

August 7th, 2020 Kansas City, MO DETAILS arrow_drop_down
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The loan process is easy. And the payback is reasonable.

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Reply from Fig Loans

Aug 10, 2020

Thank you for your feedback, Marcus!

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Edwin Betz

August 7th, 2020 Dayton, OH DETAILS arrow_drop_down
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Always there when I need a little extra cash in an emergency! Easy to apply and fast approval!

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Reply from Fig Loans

Aug 10, 2020

Thank you for your kind words, Edwin!

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Ollie

August 7th, 2020 Kansas City, MO DETAILS arrow_drop_down
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Fig loans has assisted me raising my credit score. All you have to do is pay as directed and Fig loans reports every 10th of the month. Amazing!!

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Reply from Fig Loans

Aug 10, 2020

We are so happy to hear this Ollie!

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Joan Egizii

August 7th, 2020 Temple, TX DETAILS arrow_drop_down
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Great to work with always helpful able to make adjustments to payment if needed

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Reply from Fig Loans

Aug 10, 2020

Happy to hear it, Joan!

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Jemel

August 7th, 2020 El Paso, TX DETAILS arrow_drop_down
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They are not hiding fees or trying to scan you they help you and help when it's needed

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Reply from Fig Loans

Aug 10, 2020

Thank you for your review Jemel! We really appreciate it :)

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Chadrick Petteway

August 7th, 2020 Houston, TX DETAILS arrow_drop_down
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Very easy. Great customer service. Willing to work with you.

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Reply from Fig Loans

Aug 10, 2020

Thank you for your review, Chadwick!

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Annette

August 6th, 2020 Akron, OH DETAILS arrow_drop_down
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They are there to answer any questions you have and help you and the process is easy and fast.

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Reply from Fig Loans

Aug 10, 2020

Thank you for your kind words, Annette!

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Kemistri

August 6th, 2020 Mesquite, TX DETAILS arrow_drop_down
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It wasn’t very difficult or challenging. It was really easy. They were really friendly and knowledgeable. They took my questions and concerns seriously.

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Reply from Fig Loans

Aug 10, 2020

Happy to be of service, Kemistri!

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Jenny

August 6th, 2020 Austin, TX DETAILS arrow_drop_down
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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.

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Reply from Fig Loans

Aug 10, 2020

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

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Kimberly

August 6th, 2020 Dallas, TX DETAILS arrow_drop_down
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It is hard to get in touch with someone with a question to get a better explanation but the process of the loan is easy.

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Reply from Fig Loans

Aug 10, 2020

Hi Kimberly, Which part of the application process did you want a better explanation of?

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Karen

August 6th, 2020 Cincinnati, OH DETAILS arrow_drop_down
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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.

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Reply from Fig Loans

Aug 10, 2020

We're so happy to hear this, Karen!

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Ruben

August 6th, 2020 San Antonio, TX DETAILS arrow_drop_down
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Via email it took a while for them to respond so I had to call their customer service number. The loan process was pretty simple. First time around I got approval within minutes. The second time around it did take a little longer.

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Reply from Fig Loans

Aug 10, 2020

Hi Ruben, thanks for your feedback! Sometimes it does take a bit longer to get approved but that's usually because there's something in your application we try to talk to you about, I hope the communication process the second time around reflected this!

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Angel

August 6th, 2020 Reynoldsburg, OH DETAILS arrow_drop_down
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Everything has been so easy. I have not had to deal with anyone so that makes it great. I am glad I did it.

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Reply from Fig Loans

Aug 10, 2020

Thanks for your review Angel!

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Lola

August 6th, 2020 Katy, TX DETAILS arrow_drop_down
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It was fast since they offer loans with no credit check and applying is easy. They should make it easier for people to pay their bill online without it being a hassle.

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Reply from Fig Loans

Aug 10, 2020

Hi Lola, thanks for your review! For future reference, you can always pay your bills online on your My Fig account!

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Dexter

August 6th, 2020 Trinity, TX DETAILS arrow_drop_down
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They were very understanding of what I needed and they were able to help with when I needed it. The process is easy to get going and I was nice and comfortable doing it.

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Reply from Fig Loans

Aug 10, 2020

Thank you for your review Dexter, glad the process was easy!

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Mark

August 6th, 2020 Salem, OH DETAILS arrow_drop_down
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I needed a little bit of extra money. I never had any problems. It went through pretty quickly.

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Reply from Fig Loans

Aug 10, 2020

Thanks for your kind review, Mark!

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Deonde

August 6th, 2020 Toledo, OH DETAILS arrow_drop_down
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Fig loans helped me establish my credit. It was user friendly and they have great customer service.

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Reply from Fig Loans

Aug 10, 2020

We are so happy to hear it, Deonde!

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Stephen

August 6th, 2020 Rittman, OH DETAILS arrow_drop_down
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You don’t have deal with anyone since it is easy online. It’s quick and gets better. If I needed to, I would definitely use it again.

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Reply from Fig Loans

Aug 10, 2020

Thank you for your review, Stephan!

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Falana

August 6th, 2020 Cincinnati, OH DETAILS arrow_drop_down
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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.

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Reply from Fig Loans

Aug 10, 2020

Thank you for your review, Falana!

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Savannah

August 6th, 2020 Odessa, TX DETAILS arrow_drop_down
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It helped tremendously. It is helping rise my credit score. Also it is super simple and they walk you through everything.

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Reply from Fig Loans

Aug 10, 2020

Thank you for your kind words, Savannah!

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Krisandra

August 6th, 2020 Taylor, TX DETAILS arrow_drop_down
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Using their website is very easy and convenient. I had some credit issues and they approved me so I am satisfied with their services.

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Reply from Fig Loans

Aug 10, 2020

Thanks Krisandra!

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Ashley

August 6th, 2020 Killeen, TX DETAILS arrow_drop_down
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In like 24 hours I was approved so it was a quick process. Every time I reached out, I got a quick response. I like that it short loan.

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Reply from Fig Loans

Aug 10, 2020

Happy to hear it, Ashley!

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Sherkon

August 6th, 2020 San Antonio, TX DETAILS arrow_drop_down
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The website should have more options but they did what they said they were going to do and it did help me.

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Reply from Fig Loans

Aug 10, 2020

Hi Sherkon, what kind of options would you like to see?

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Sonya

August 6th, 2020 Maple Heights, OH DETAILS arrow_drop_down
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Super easy. It was an opportunity to build up my credit and I am happy I did it. They are willing to work with you.

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Reply from Fig Loans

Aug 10, 2020

Thanks for your kind words Sonya!

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George

August 6th, 2020 Pearland, TX DETAILS arrow_drop_down
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Customer support was excellent, I had a wonderful experience with them.

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Reply from Fig Loans

Aug 10, 2020

Thank you for your review, George!

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Raymond

August 6th, 2020 Fort Worth, TX DETAILS arrow_drop_down
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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.

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Reply from Fig Loans

Aug 10, 2020

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

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Veronica

August 6th, 2020 Woodway, TX DETAILS arrow_drop_down
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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.

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Reply from Fig Loans

Aug 10, 2020

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

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Landa

August 6th, 2020 Saint Louis, MO DETAILS arrow_drop_down
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Fig Loans is great. I definitely suggest them. The turn around time is very quick. It was really easy to do. I had a better experience than I had with some other small loans.

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Reply from Fig Loans

Aug 10, 2020

Thank you for your kind words Landa!

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Jamar

August 6th, 2020 Dallas, TX DETAILS arrow_drop_down
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Didn’t have any issues applying for the loans. It is pretty straightforward and simple. Helps rebuild credit.

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Reply from Fig Loans

Aug 10, 2020

Happy we were able to help, Jamar!

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Janette

August 6th, 2020 Akron, OH DETAILS arrow_drop_down
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I would recommend fig loans to anybody including my friends and family. They are there when you need them and it is very easy to fill out the paperwork and submit it.

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Reply from Fig Loans

Aug 10, 2020

Thank you, Janette!

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Shayna

August 6th, 2020 Poplar Bluff, MO DETAILS arrow_drop_down
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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.

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Reply from Fig Loans

Aug 10, 2020

Thank you for choosing us, Shayna!

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Samantha

August 6th, 2020 Mesquite, TX DETAILS arrow_drop_down
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They work with me. During the start of the pandemic we got it paid off. It was super easy.

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Reply from Fig Loans

Aug 10, 2020

Happy we were able to help :)

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Ryan

August 6th, 2020 Conroe, TX DETAILS arrow_drop_down
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Everything was good. I didn’t have any problems. It was a simple process. I would do it again.

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Reply from Fig Loans

Aug 10, 2020

Happy to hear it Ryan!

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Regina

August 6th, 2020 Dallas, TX DETAILS arrow_drop_down
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It is hard to get to talk to an actual person but it is very easy to get the loan.

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Reply from Fig Loans

Aug 10, 2020

Hi Regina, In order to keep costs low for our community, provide greater security, faster response times and ensure everyone has a written record, we try respond to inquiries via email and text. I hope this helps answer your question and thank you again for choosing Fig!