Fig Loans: Borrow. Build Credit. No Fees.

Fig Loans. Voted Best Loan for Bad Credit.

Apply for a loan of up to $1,000 that builds your credit. Applying does NOT affect your credit score and takes less than 5 minutes! Instant funding available now.

Currently serving Texas, Missouri, Utah, Illinois, Florida, Ohio and New Mexico. Stay tuned as we continue to expand!

What is Fig?

Hear From Real Borrowers!
“Small loans with an amazingly simple process. Interest rates are acceptable compared to other companies. I don't have the best credit and was approved. No penalty if paid off early. Highly recommended if you are in a tight spot and need some help, this is the company to use!!’ -M Kana Skinner

Credit Building Loans.
Fig’s goal is to help you achieve financial security. We’ll make sure that your loan is working for you and improving your credit. Fig reports credit to all 3 major credit bureaus (Equifax, Experian, TransUnion) from Day One.

Created To Work For You.
The more affordable option. Fig does not charge extra fees of any kind. No hidden fees. No late fees. No date change fees. When you apply for a Fig Loan, the interest is stated upfront so you know exactly how much the loan will cost. This cost will never change over the course of your loan!

Flexible Installment Schedule.
We know that every dollar matters in times of need, especially when you’re making monthly payments. Fig Loans are designed to be flexible. Set up your payment schedule within the app and pay at your own pace. It’s that simple.

Dedicated Customer Service.
We’re here to help you make the best investments for your financial future. Our attentive and passionate team of loan specialists are here to answer your questions by email or text.

LOAN TERMS:

Fig complies with all state and local regulations in the areas we operate.
Minimum Period for Repayment: 61 days
Maximum Period for Repayment: 365 days
Maximum Annual Percentage Rate (APR) for Fig Credit Builder: 18.85% APR

$500 Representative Fig Credit Builder Loan Breakdown:

Amount Financed: $500.00
Period for Repayment: 365 days (1 year)
Annual Percentage Rate: 18.85%
Origination Fee: $42.50
Monthly Installment Payment: $42.50
Total Interest Paid: $52.50
Total Cost of the Loan Including Fees and Principal Repayment: $552.50

$1,000 Representative Fig Credit Builder Loan Breakdown:

Amount Financed: $1,000.00
Period for Repayment: 365 days (1 year)
Annual Percentage Rate: 18.85%
Origination Fee: $85.00
Payment Every Month: $85.00
Total Interest Paid: $105.00
Total Cost of the Loan Including Fees and Principal Repayment: $1,105.00

Fig does not charge late, payment date change, or early repayment fees. Loan terms and repayment schedules vary by state and user. Loan licenses can be found here: https://www.figloans.com/rates and privacy policy here: https://www.figloans.com/privacy. For more information on Fig’s Credit Builders, please visit https://www.figloans.com/credit-builder.

Recent changes:
Better analytics to support our users!