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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the speed and efficiency of the loan application, approval, and funding processes. Many highlight the convenience and ease of obtaining loans, particularly Bitcoin-backed loans, with funds often available almost immediately. The e-notary process is frequently described as seamless, pleasant, and convenient, allowing consumers to complete the process from home. People appreciate the clarity and straightforward nature of the process, with many noting the absence of hidden fees. Consumers express high satisfaction with the staff, particularly customer service representatives and notaries, who are described as professional, helpful, patient, and knowledgeable. Many reviewers share stories of individual staff members going above and beyond to provide exceptional support, resolve issues, and ensure a smooth experience. The company's proactive communication and readily available assistance are also appreciated. While some consumers report challenges with the AI software used for ID verification and occasional technical issues, the overall sentiment remains highly positive.

Based on these reviews

Rated 5 out of 5 stars
Invited

Behr was absolutely wonderful — personable, attentive, and genuinely caring. When he asked how I was doing, I gave a quick canned answer, but he stopped me and said, “No, how’s your day actually going... See more

Rated 5 out of 5 stars
Invited

It was truly the easiest, most EFFICIENT, process I have ever gone through! From the initial request, to the final closing. Communication and status was solid and available the entire time. I k... See more

Rated 5 out of 5 stars
Invited

Figure made it so easy. The audio was just a little choppy. But that’s such a minor thing compared to the entire experience. Straight-forward and easy. Thanks for making this portion so convenient.

Rated 5 out of 5 stars
Invited

I received a postcard in mail. Went on line and everything was so easy. Thank you for having safe, secure and easy to navigate web site. I will keep your company in mind should I need anything of thi... See more

Rated 5 out of 5 stars
Invited

My experience with your e-Notary face to face was very good. She was vey professional, yet very friendly too. Even though I had a a problem with the connection, she was able to get back to me with e... See more

Rated 5 out of 5 stars
Invited

My primary contact was Laura Torres and she was outstanding. Ms Torres was exceptionally patient and thorough. She led me through the process step by step and followed through with the appropriate do... See more

Rated 5 out of 5 stars
Invited

Very easy process. It seems that the system is very thorough with the property and income reviewing process which means you don't move forward with the rest of the process for nothing. Other companie... See more

Rated 4 out of 5 stars
Invited

quick, easy and super convenient. only qualm is with the notary. a specifc question of acknowledging and agreement that the document was read and understood. apparently you must look into the camera... See more

Rated 5 out of 5 stars

I currently have a loan through a competitor that I am now going to pay off with my new loan with Figure. I was very impressed the seamless process and how quickly the loan was processed

Rated 5 out of 5 stars
Invited

Super easy to follow from my phone. Waited in queue but was fast. eNotary contact walked through steps and all connection worked flawlessly. Thank you!

Rated 5 out of 5 stars
Invited

Figure has me the journey to me getting a HELOC so easy . Initially, I made the mistake of getting a home equity loan from my mortgage company but their customer service was terrible. Figure made ev... See more

Rated 5 out of 5 stars
Invited

I had a few problems with my phone. Everyone I had contact with were absolutely fabulous. Charles Greenaway was a trooper. Any questions and solutions were always spot on. Definitely went the extr... See more

Rated 5 out of 5 stars
Invited

Kiana Brown who was not my agent, did a excellent job! She basically did everything for me as far as the loan process. She took over my process that the first agent failed to do. He called in sic... See more

Rated 5 out of 5 stars
Invited

Speed and efficiency Figure has brought loan application, approval, verification and funding into the 21st century…. It can all be done within a couple hours in this new digital world and this compa... See more

Rated 5 out of 5 stars

Extremely impressed with how easy and convenient it was to get a Bitcoin backed loan. Money was in figure account almost immediately. The only downside is how long it takes to transfer to a bank accou... See more

Rated 5 out of 5 stars
Invited

The entire e-notary experience was very pleasant and very seamless to do. Extremely convenient, never had to leave my house and all done from the comfort of my home.

Rated 5 out of 5 stars
Invited

The notaries were fantastic and that part of the process was easy and quick. Uploading the ID was a bit of a nightmare. No matter how clear the ID was it kept getting kicked back. We had to have our s... See more

Rated 3 out of 5 stars
Invited

they should tell you that no one is allowed to be on screen with you, my co-signer went thru the process only to be told at the end he would need to call back because both of us were on screen.

Company replied

Rated 5 out of 5 stars
Invited

Startlingly FAST! Surprisingly EASY! I became a bit confused at a few certain points in the Application process due to my particular circumstances, but ultimately it became clear to me that I had been... See more

Rated 4 out of 5 stars
Invited

I had trouble with my camera on my computer. I allowed access to the camera and the microphone. The notary did not have patience to let me fix the problem. She just told me to log in on my phone and a... See more

Rated 5 out of 5 stars
Invited

Brenda was patient and very accommodating. It took more time to get a good view of my ID, due to cellphone limitations.

Rated 5 out of 5 stars
Invited

It was a quick and effective experience. I was impressed that when I requested to speak with someone from lending I received a call within 5 minutes. Nice job.

Rated 5 out of 5 stars
Invited

The whole process was quick and easy. I was made aware of any documentation and loan status immediately. The Notary process was very simple and the Notary did a good job explaing everythin

Rated 5 out of 5 stars
Invited

Very easy to do and quick results. Will definitely tell friends and family about Figure

Rated 5 out of 5 stars
Invited

This was the best experience I have ever went through while borrowing money. I couldn't believe how quick and easy it was. You guys are on to something. A good way to do business

Rated 5 out of 5 stars
Invited

Very fast easy and painless process. Straightforward and right to the point no jumping through hoops.

Rated 5 out of 5 stars
Invited

My notary was very professional and patient. I did not feel rushed or confused. It was a pleasant experience.

Rated 3 out of 5 stars
Invited

When my co-signer had his notary the first girl yelled at him that our mic was working and I can't hear you" all within 10 seconds and hung up on us. Completely Rude!

Company replied

Rated 5 out of 5 stars
Invited

The AI software used by Figure to verify ID information is challenging. The customer service reps, were very helpful throughout the process. I would recommend them to friends and family.

Rated 5 out of 5 stars
Invited

Well, pretty much everything was good.More than goodThe only experience I had was trying to get on because I only have one device now.It's a royal pain in my butt

Rated 5 out of 5 stars

Phenomenal experience. Had a small hiccup with the notary scheduling but the matter was rectified within the hour. Highly recommend as the funding/closing took less than 7 days. Impressive

Rated 5 out of 5 stars
Invited

Very professional, and well organized. Had all of my information ready for easy step by step verification. Well done, kudos!

Rated 5 out of 5 stars
Invited

The helpful notaries assisted with patience while I tried to get the technology working on my end.

Rated 5 out of 5 stars
Invited

Super simple process!!! Easy online application with a Quick closing. Simplest loan I ever applied for!!

Rated 5 out of 5 stars

Figure was always (M-F) available to help me with the steps. Their rates were the best that I could find. The money moved fast. I am pleased with the service.

Rated 5 out of 5 stars
Invited

Easy application and quick approval, everything was just like I read in previous reviews and I would highly recommend them.

Rated 5 out of 5 stars
Invited

The application process is easy and response time of chat inquiries and e-notary is so quick. Everyone is very professional and helpful!

Rated 3 out of 5 stars
Invited

Too complex to upload IS Photos. Interest rate too high.

Company replied

Rated 5 out of 5 stars
Invited

It was quick and they were professional. They were also readily available.

Rated 5 out of 5 stars
Invited

Quick and easy. The app process was fast and the enotary was very nice and professional.

Rated 5 out of 5 stars
Invited

It was a straightforward and easy process that only takes a few minutes.

Rated 5 out of 5 stars

I had a great experience working with Behr Holmes in customer service . He was incredibly helpful in getting my payoff completed, and made the whole process smooth and stress-free. He was friendly, ea... See more

Rated 5 out of 5 stars
Invited

The entire process moved incredibly quickly—far faster than traditional lenders—and the rates were excellent. What really stood out was the cutting-edge technology: everything was intuitive, efficient... See more

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Company details

  1. #2 of 7 best companies in Mortgage Broker
  2. #65 of 249 best companies in Non-Bank Financial Service

About Figure

Written by the company

Homeownership gives you options,

Figure unlocks them for you.

Figure Header
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 apart?

  • Apply with our 100% online application in minutes with funding in as few as 5 days.*
  • Lines of credit available from $15k - $400k*
  • 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

4K reviews

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Replied to 100% of negative reviews

Typically replies within 1 week


Rated 4 out of 5 stars
Invited

We had two different notaries as we…

We had two different notaries as we were aware initially that we were not permitted to be in the same room with each other. Both notaries were very thorough but 5e gentleman that did my notarization was not as personable and did not explain things as well as the one that did my wife’s notarization.

October 8, 2025
Rated 5 out of 5 stars

Behr was very patient and…

Behr was very patient and understanding. We had a million questions for Behr and he stayed very professional throughout the call. He made us feel as if he truly cared about our situation. PROMOTE HIM!! True definition of CUSTOMER SERVICE.

October 13, 2025
Unprompted review
Rated 5 out of 5 stars
Invited

I called in with MANY detailed…

I called in with MANY detailed questions regarding the fine print of a HELOC agreement I am pursuing. I was connected rather quickly with Behr, who was cheerful, quick, clear and articulate in his communication. He listened intently to my questions and concerns, and always repeated back his understanding of my question to verify with me that his understanding did, in fact, precisely reflect what I was asking. He was immediately informative on 95% of my questions, but made sure to double-check or look up anything he wasn't immediately confident about. He did place me on hold once or twice to do this, but the hold time was less than 60 seconds each time and always resulted in a confident explanation that cleared any confusion or concern I had. He was patient with me when I realized I didn't have the specific document I needed printed out. He directed me on how to locate the document and waited patiently for me to print all 15 pages so I could follow along with the explanations, even engaging in pleasant small talk while waiting. I felt very understood by Behr, and also felt his sincere empathy and care for me and the personal minutiae of my specific questions, as opposed to the uncomfortable feeling of vital details being obfuscated that I have often encountered when engaging with sales-minded agents elsewhere. Behr was upfront and direct and gave the impression of genuine honesty that absolutely made the difference between my decision to move forward with the loan process.

October 13, 2025
Rated 5 out of 5 stars
Invited

Figure made it so easy

Figure made it so easy. The audio was just a little choppy. But that’s such a minor thing compared to the entire experience. Straight-forward and easy. Thanks for making this portion so convenient.

October 10, 2025

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