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

4.7
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160 Reviews

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Isaias

June 5th, 2020 El Paso, TX DETAILS arrow_drop_down
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It was easy and it helped out that I did notice after I paid off that my credit score jumped up.

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Shirley

June 5th, 2020 Houston, TX DETAILS arrow_drop_down
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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.

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Tammy

June 5th, 2020 Garland, TX DETAILS arrow_drop_down
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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.

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Chad

June 5th, 2020 Conroe, TX DETAILS arrow_drop_down
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I don't have a phone number to call them, but anytime I've emailed they've always gotten back to me within reason. It's very simple process.

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Lakitshia

June 5th, 2020 Grand Prairie, TX DETAILS arrow_drop_down
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It was very easy to use the system. It does not take a long time to get a respone and it's easy to go in and requet as well as receive the fund.

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Tasha

June 5th, 2020 Dallas, TX DETAILS arrow_drop_down
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It was simple. They seem very reasonable and affordable for me. I'm absolutey happy I did it.

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Anthony

June 5th, 2020 Columbia, MO DETAILS arrow_drop_down
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It's a cheaper alternative. It's kind of difficult when you have to link your bank account and you're unable to do so because of the third party that they use.

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Anonymous

June 5th, 2020 Cypress, TX DETAILS arrow_drop_down
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They always work with me expressly, like extensions whn I couldn't make payments and that was invaluable. It was easy to get the loan.

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Latonya

June 5th, 2020 Fort Worth, TX DETAILS arrow_drop_down
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I did have a question about my loan and even after itw as done they were very prompt in answering and they were very knowledgeable about what was going on. It was fast and simple.

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Tiffany

June 5th, 2020 Houston, TX DETAILS arrow_drop_down
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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.

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Pamela

June 5th, 2020 Spring, TX DETAILS arrow_drop_down
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The process of obtaining my loan was easy with Fig Loans.

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Charmona

June 5th, 2020 Houston, TX DETAILS arrow_drop_down
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I chose Fig Loans because they don't add as much interest like the other companies do.

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Lejeanne

June 5th, 2020 Aubrey, TX

It was a small amount of time to get the loan and it didn't cost as much to do the finance.

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Yavonne

June 5th, 2020 Huntsville, TX DETAILS arrow_drop_down
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If you have any problems or anything, they'll work with you. Everything's really quick and easy.

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Angel

June 5th, 2020 Tyler, TX DETAILS arrow_drop_down
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You're always able to get your questions answered. They have great customer service. Everything could be done online and it's an easy process.

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Barbara

June 5th, 2020 Houston, TX DETAILS arrow_drop_down
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It was really quick. Every time I needed any assistance, their help was there. Really easy to respond back quickly.

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Anonymous

June 5th, 2020 Lufkin, TX DETAILS arrow_drop_down
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I was able to talk to someone and it was easy for me to contact them when I needed help. Everything went really good.

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Patricia

June 5th, 2020 Saint Joseph, MO DETAILS arrow_drop_down
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I'd like to see them offer telephone service. It's all done though email but it'd be nice to talk to somebody on the phone. They are one of the lowest rates out there and they do what they advertise.

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Nakedra

June 5th, 2020 Dallas, TX DETAILS arrow_drop_down
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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.

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Arel

June 5th, 2020 Arlington, TX DETAILS arrow_drop_down
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The process was simple and quick. I chose them because of the interest rate and they are very flexible. Everything was perfect

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Anonymous

June 5th, 2020 El Paso, TX DETAILS arrow_drop_down
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I chose them because I could get an easy approval and it was gonna build my credit. Their customer support is easy to get ahold of. There was a miscommunication in terms of the date that I needed the payment to come out.

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Samantha

June 5th, 2020 Irving, TX DETAILS arrow_drop_down
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It was easy to get the loan and I've been able to use them when I need it.

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Alonzo

June 5th, 2020 Fort Worth, TX DETAILS arrow_drop_down
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It helped me with my credit and the repayment interest was not high. It was pretty quick, in a couple days the loan had come through.

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Victor

June 3rd, 2020 Elgin, TX DETAILS arrow_drop_down
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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.

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Reply from Fig Loans

Jun 04, 2020

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

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Sharon

June 3rd, 2020 Houston, TX DETAILS arrow_drop_down
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The support I got was online and they helped me out pretty good. The processis really good. It's an easy process to do.

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Reply from Fig Loans

Jun 04, 2020

Hi Sharon, Thank you so much for your kind words! Warmly, Fig Loans Customer Service

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Luteya

June 3rd, 2020 Kansas City, MO DETAILS arrow_drop_down
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I never talked to anyone physically, just online conversation. It was easy and simple to get the loan.

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Reply from Fig Loans

Jun 04, 2020

Hi Luteya, Thank you for trusting us with a loan! Warmly, Fig Loans Customer Service

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Tammila

June 3rd, 2020 Amarillo, TX DETAILS arrow_drop_down
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It was easy and the customer service was very friendly.

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Reply from Fig Loans

Jun 04, 2020

Hi Tammila, Thanks for the kind words! Warmly, Fig Loans Customer Service

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Dianne

June 3rd, 2020 Fort Worth, TX DETAILS arrow_drop_down
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It was so easy and very affordable. The process is simple, there's no waiting. I get an answer within 24 hours in my experience and they're very accommodating.

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Reply from Fig Loans

Jun 04, 2020

Hi Dianne, Thanks for the kind words! Happy to help. Warmly, Fig Loans Customer Service

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Keisha

June 3rd, 2020 Arlington, TX DETAILS arrow_drop_down
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They made it really easy and step by step. Wish the price could be a little lower sometimes, but I understand what they're trying to do though.

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Reply from Fig Loans

Jun 04, 2020

Hi Keisha, Thank you so much for the feedback! Your rates actually drop over time the more successful loans you have with us :) Warmly, Fig Loans Customer Service

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Tanya

June 3rd, 2020 San Antonio, TX DETAILS arrow_drop_down
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it doesn't take them a long time to do their process of getting you qualified. They answer you in a timely manner when you go through the email.

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Reply from Fig Loans

Jun 04, 2020

Hi Tanya, Thanks for the positive feedback! Warmly, Fig Loans Customer Service

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Angelica

June 3rd, 2020 Fort Worth, TX DETAILS arrow_drop_down
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Usually they got with me when I had a question and got back on it quick. The money was deposited when they said it would be in my account.

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Reply from Fig Loans

Jun 04, 2020

Hi Angelica, Thanks so much for the feedback! Warmly, Fig Loans Customer Service

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Diane

June 3rd, 2020 Houston, TX DETAILS arrow_drop_down
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The whole process was very easy and self explanatory. You don't have to leave the house. I've only had to communicate with them by email and texting and they were very expereinced about getting back with my question.

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Reply from Fig Loans

Jun 04, 2020

Hi Diane, Thanks for taking the time to share your thoughts! Warmly, Fig Loans Customer Service

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Morfield

June 3rd, 2020 Alton, MO DETAILS arrow_drop_down
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I did everything online. It really was super easy and straight to the point. I had it within a couple of days.

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Reply from Fig Loans

Jun 04, 2020

Hi Morfield, Thanks so much for your kind words! Warmly, Fig Loans Customer Service

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Stephanie

June 1st, 2020 Houston, TX DETAILS arrow_drop_down
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Fig Loans is amazing. It's very easy, it's simple, and it saved a lot of time. They're always available. They're quick to answer the questions and they're just amazing.

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Lennes

June 1st, 2020 Lee's Summit, MO DETAILS arrow_drop_down
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It was very easy. Very trustworthy. I was skeptical at first but everything worked out fine.

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Yolanda

June 1st, 2020 Garland, TX DETAILS arrow_drop_down
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They were quick and I didn't have a waiting period. Everything that I called for was solved. I think it's a good company.

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Tamara

June 1st, 2020 Abilene, TX DETAILS arrow_drop_down
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It took them just a little bit to get back to me. Just took a few days.

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Anonymous

June 1st, 2020 Kansas City, MO DETAILS arrow_drop_down
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They were willing to help when I needed to change my date. It was fairly easy to do since I was already a customer.

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Kendric

June 1st, 2020 Mansfield, TX DETAILS arrow_drop_down
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I've used them before and it was easy to apply and to pay off. It was a little wrinkly getting the information and all that.

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Reply from Fig Loans

Jun 04, 2020

Hi Kendric, Thank you so much for the feedback! We'll try to smooth out some of those wrinkles :) Warmly, Fig Loans Customer Service

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Pansy

June 1st, 2020 Spring, TX DETAILS arrow_drop_down
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Customer service has always been very helpful. It's an easy process--1,2,3.

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Reply from Fig Loans

Jun 04, 2020

Hi Pansy, Thanks for the kind words! Our service team is happy to help :) Warmly, Fig Loans Customer Service

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Edmayia

June 1st, 2020 Houston, TX DETAILS arrow_drop_down
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The process was very easy and quick. They were very helpful and patient with me regarding extensions and things like that.

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Reply from Fig Loans

Jun 04, 2020

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

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Elizabeth

June 1st, 2020 San Antonio, TX DETAILS arrow_drop_down
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It's just a very simple process. Anytime I had questions they were very prompt. I just appreciate them and enjoy doing business with them.

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Reply from Fig Loans

Jun 04, 2020

Hi Elizabeth, Thank you so much for this kind feedback! We appreciate you, too :) Warmly, Fig Loans Customer Service

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Linda

June 1st, 2020 Seguin, TX DETAILS arrow_drop_down
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They always contact you back in a quick response. They process everything quickly and let you know when it's being process. I'm glad Fig Loans was there in my time of emergency.

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Vanessa

June 1st, 2020 Seagoville, TX DETAILS arrow_drop_down
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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.

Verified Customer

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Linda

June 1st, 2020 Denton, TX DETAILS arrow_drop_down
Quality of product or service
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Customer service
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Company trustworthiness
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They let me have extra time to make a payment. It's pretty easy to navigate the website.

Verified Customer

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Jillessa

June 1st, 2020 Austin, TX DETAILS arrow_drop_down
Quality of product or service
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Company trustworthiness
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It was an extremly rapid response. The guys were able to get the money really quickly and the process is so simple, seamless, and efficient.

Verified Customer

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Oluwole

June 1st, 2020 Austin, TX DETAILS arrow_drop_down
Quality of product or service
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Customer service
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Company trustworthiness
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It was convienent, simple, and easy going to get the loan.

Verified Customer

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Tracie

June 1st, 2020 Amarillo, TX DETAILS arrow_drop_down
Quality of product or service
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Customer service
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Company trustworthiness
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They're so easy to work with and if you need to change your dates or anything, they're more than wiling to give you quite a bit of time. I've never had a problem. They're just a great company to work with.

Verified Customer

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Tresa

June 1st, 2020 Duncanville, TX DETAILS arrow_drop_down
Quality of product or service
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Customer service
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Company trustworthiness
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It's really quick and easy access to everything. Every time I've tried to contact them, I was able to get a quick response.

Verified Customer

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Christopher

June 1st, 2020 Humble, TX DETAILS arrow_drop_down
Quality of product or service
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Company trustworthiness
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It was very simple, very easy, and fast. I thought it was very efficient.