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Money & Insurance

Figure

ClaimedCollecting reviews

142 reviews

4.5142 reviews
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About Figure

Data updated
Website
figure.com
Category
Money & Insurance
Location
United States
Status
Unclaimed
Last 12 months
142 reviews
Replies to negative
100% (15/15)
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888-819-6388[email protected]figure.com

About this business

Figure is a fast, easy online HELOC lender. 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

Written by the business, not verified by us.

Is Figure legit?

Figure (figure.com) has a 4.5 out of 5 rating on OK.one, based on 142 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 89% of reviews are 4 stars or higher and 10% are 1 star; The business has replied to 100% of negative reviews; Reviews mostly discuss User experience, Customer service. Last updated 2026-09-02.

What reviewers say

AI generated

Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff and loan officers for being exceptionally helpful, professional, and quick to answer questions. Many people note that the digital platform is intuitive, fast, and makes the entire procedure completely smooth and hassle-free. However, some reviewers noted occasional issues with customer support response times and lengthy phone holds when trying to reach a live representative. A few customers also mentioned experiencing frustrating communication delays and a lack of consistent follow-up from their assigned loan officers. Some individuals additionally described difficulties regarding unexpected application hurdles during the process.

Auto-generated from all reviews of this business. For reference only.

What people say

R
RAYMONDUnited States · 3 reviews · Experienced 2026-07-09 ·

I have used Figure previously for a…

I have used Figure previously for a Heloc 5 years ago. I began the process on 7-12-26. I received an email from M Rogers from Figure, who would be my who would be my " Dedicated loan officer ." I sent M Rogers at Figure an email with a few questions on 7-13 and 7-16. No response. I called M Rogers, with the provided number. I left 2 vms, without an reply. I sent over the requested information from the dash board that is assigned with my loan number. I checked this 3 times a day, just to be on top of things, if additional information or documentation was needed. After 3 days, there was no movement from " verify identity to signs documents." I called the 1- 888 number, which a rep would say, " Oh yeah, we needed this ( additional information ) bc the home was in a revocable trust. There was no alerts under the little " bell " icon, to notify me of this. I provided the additional information requested. Three days went by, and no movement. I called on day 4, which the phone rep said, " Oh yeah, we need this info now. " I provided this additional info, which I waited another 2 days. Still, no alert or movement. No phone calls from anyone. No alert on the bell icon. I called again, which the phone rep said that, " They are looking through things. Can you send over this additional document now?" I said what additional information, I have sent over everything that was requested. I have no request in my bell icon. " Well, we now need additional information. Check your bell icon. " It seemed , that I had to stimulate Figure, to request items, rather than, having Figure request from myself. A phone call provoked a response, " Oh yeah, we now need this....." This was the last time I spoke with Figure. An manager was suppose to call me 2 days ago, which no one returned my call. I will be transparent- I was borrowing $195,000 at 8.95 % interest rate over 30 years. I WILL NOT EVER USE FIGURE AGAIN. I reached out to Better mortgage, who have been 100 % communicative and professional. I have been updated both by telephone and email about my progression of my Heloc by Better mortgage. The reasons I will not use Figure - 1. The Loan " Officer " never responded via email or phone calls. 2. The under writing staff never updated the " Bell icon " in the right upper corner of your your application. 3. The phone representees seemed that they had more important tasks to perform, other than assisting a potential client. The $195,000 that I will be receiving Better mortgage this week, a portion will be applied to my preexisting loan that I had at Figure. These funds will pay off Figure. With $195,000 @ 8.95 % over 30 years, is several thousands of $$ that Figure will not be seeing, because of poor communication and customer service, from the assigned " loan officer" to the call center reps, to under writing team. Poor communication means, no business. Don't waste your time with Figure, all you will receive is frustration. Updated - 8-6-2026 - I received a phone call and email from " AJ," who is the dedicated loan officer manager. I returned an email to AJ, 3 days ago, and I have not heard anything from Figure ( Go figure, right ?! ) I sent the following email 3 days ago : Hi AJ, Thank you for the follow-up. I do appreciate you reaching out. I am currently working through the HELOC process at Better Home and Financing. The reason I reached out to Figure previously is that I have always had a great experience with your company. When I reached out to Roger by email and phone, it was to inquire about a better rate, since we have been repeat customers. I would consider returning to Figure if you are available to improve the following figures from Better Home Financing: HELOC loan at 1.750% with a current rate at 8.500%. New loan request - $156,000 Expedited underwriting/closing and signing for ^%#@$ and me. I would personally go back to Trustpilot and your CEO and add an addendum on how seamless you made this recovery of our account. I would (with your permission) note your full first and last name and that you made this loan come together successfully, without listing the improved interest rate numbers. Thank you, ^&) No response from Figure. This proves my and others' point that they can not be relied upon.

Reply from Figure2026-08-03

Thank you for taking the time to share your feedback. We're sorry to hear about your experience and understand how frustrating it can be when communication and updates don't meet expectations. A member of our management team has reached out in an effort to connect with you, and we hope to have the opportunity to discuss your concerns directly. We appreciate your feedback, as it helps us identify opportunities to improve the experience we provide.

H
Hilary BehaganUnited States · 1 review · Verified · Experienced 2026-07-28 ·

Helpful

I couldn't retrieve the email address of the Stewart Lender associate who emailed me. They found the name I remembered, and gave me his email, making the process move forward. Also, I couldn't get my ID focused for e- notary. I gave them another 🆔 that they uploaded quickly, once again making the process move forward quickly. The second ID worked better for the E notary.