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Figure Reviews 4,814

TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Considering 1,698 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for their helpfulness, patience, and professional approach, making the entire process smooth and understandable. People consistently highlight the excellent customer service, noting the clear and informative responses to their questions and the overall efficiency of the service. The user experience is often described as easy, simple, and straightforward, with many appreciating the quick response times. However, some customers also noted issues with communication and coordination, mentioning slow responses to calls and emails, and a lack of clear information. A few other people also felt that the customer service was unhelpful or that the process took longer than advertised, leading to frustration.

What people talk about most

Staff

Customers consistently note positive experiences with staff, highlighting their helpfulness, professionalism,... See more

User experience

Clients share positive opinions on user experience, consistently describing it as easy, simple, and... See more

Service

Customers had positive experiences with service, often highlighting its speed and efficiency. Many reviewers... See more

Customer service

Consumers find customer service to be positive. Many reviewers praise some agents for being patient,... See more

Response time

People report positive experiences with response times, often highlighting the speed and efficiency of... See more

Reviews shaping this summary

Rated 5 out of 5 stars

It was incredibly easy to apply and income verify. Took less than a minute to income verify through bank accounts. Top notch. The money came quickly. The whole process was simple, easy, and proble... See more

Rated 5 out of 5 stars

although the first notary I was linked with was not successful in completing the process (which caused me to worry something hinky was going on....feel free to listen to the recording....), the second... See more

Rated 5 out of 5 stars

Tina Mershon helped me figure out the heloc process with grace and patience. I had an entire list that she spent over 40mins going over with me. She had so much knowledge on the process and was so pat... See more

Rated 5 out of 5 stars

Krishanta was absolutely amazing! Now, if I'm being honest, there was one rep I spoke to initially who wasn't helpful with any questions and was a bit rude (I wish I could remember his name), but Kris... See more


Company details

  1. Mortgage broker
  2. Non-bank financial service

About Figure

Written by the company

Figure Logo

Figure is the #1 non-bank home equity lines of credit (HELOC) lender in America.

You can access the cash you need without ever leaving home. Get your rate online in minutes. Approval in 5 minutes and funding in as few as 5 days* at figure.com.

What sets Figure's HELOC apart?

  • Apply with our 100% online application in minutes with funding in as few as 5 days.*
  • Lines of credit available from $15k - $750k*
  • Faster than a bank loan, cheaper than a personal loan.
  • 5 minute approval. No impact to your credit score.*
  • Get the funds you need now to start that home improvement project or consolidate your debt.

*Terms and conditions apply. Visit figure.com/disclosures

Find my rate


Contact info

Figure Lending

Figure Lending is the #1 non-bank HELOC lender. 5 min application.

4.8

Excellent

TrustScore 5 out of 5

5K reviews

5-star
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Rated 5 out of 5 stars

Figure is the highly rated Heloc loan provider in all aspects including low interest rate, quick turnaround times and highly qualified customer service company.

The loan was closed in 3 days and funds were deposited on 4th day. The online loan submission process was very smooth and easy to apply. The interest rates were cheap compared to other banks. Many different products are available to choose. Loan officer Kiana Brown was very helpful and always answered questions on time. She is highly knowledgeable and dedicated to her job.

28 April 2026
Rated 1 out of 5 stars

I would be skeptical.

I can’t recommend Figure until they get some kinks worked out. Their verification system is lacking and they advertise a drive by- broker price opinion, but they don’t actually do a drive by appraisal. They use some automated system that can be very flawed and not to mention very misleading.

28 April 2026
Unprompted review
Figure logo

Reply from Figure

Thank you for your feedback. We use an automated valuation model in order to get home values quickly without needing an appraisal and this model is what allows us to process our HELOC so quickly. We only do drive by appraisals when this automated valuation is not available for the subject property. We apologize that your experience did not meet your expectations.

Rated 1 out of 5 stars

Don’t waste your time with these clowns 🤡

I applied a WEEK ago they literally advertise ease of use and get funded in as little as 5 days. I have a 780 credit score they still haven’t even pulled my credit 😅 I applied through credit karma what a joke the lady on the phone lied and send my credit was frozen which is a bold face lie I called them and confirmed it was not. I keep getting emails saying my app is about to expire. I’m shopping else where don’t waste your time with these clowns 🤡

28 April 2026
Unprompted review
Figure logo

Reply from Figure

Thank you for your feedback and we apologize for any frustration you have experienced. Since your comment was anonymous, we were unable to locate your application. We would like to address your concerns and recommend that you reach out to us directly so that we can provide further assistance.

Rated 5 out of 5 stars

The e-notary session that I had on 4/23/26, etc.

The e-notary session that I had on 4/23/26, as well as the one my husband had on 4/25/26, were easy, and we appreciated that (both of us are signers on the Figure HELOC I applied for) . The notaries for both our sessions were friendly and professional; everything moved along quickly. The only difficulty we had was on Friday evening, 4/24, when it was my husband's turn to have his e-notary session. There seemed to be a lag time between emails he received from Figure and updates to his Figure account online that resulted in our spending more time and effort than necessary, trying to determine what we thought we might be misunderstanding or doing incorrectly. But this morning (4/25), the emails and his Figure account were all working together as they should. Since technological problems/glitches just happen sometimes, we definitely don't hold that against Figure! Except for that relatively small period of frustration, everything went very well, and we're satisfied.

25 April 2026

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