Financial tools that meet immediate needs and build future wellbeing

Fig's mission is to provide affordable financial products that help American families meet their current needs and secure their financial future. All our products share the following features:

Transparent, Fair, Honest Pricing

Fig Loans are based on the loan you would get from friends & family. There are no hidden fees and we even give discounts if customers are able to pay their loans back early. Why? Because you should be rewarded for good credit decisions.

Flexible Payment Plans

We understand that life doesn't always go according to plan and sometimes you just need a few extra days. This is why we have never charged a change, penalty, late or any extra fee on our loans. We do not believe in charging customers for doing the right thing and proactively managing their budget.

Responsive Customer Service

Customers can reach Fig staff members by phone, text message, email or online chat. We also offer tools for customers to make their own changes by text message or online. Sometimes you need a custom payment plan and we are happy to help!

Credit Reporting

All Fig loans report credit to all 3 major credit bureaus (Equifax, Experian, TransUnion) from day 1 because we believe in financial freedom. Predatory lenders often don't report at all because they're not interested in helping customers improve their credit.


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Quick funds, no debt traps,

The original Fig Loan provides $300 - $750 in emergency funds to meet unexpected needs. Loan terms range from 4 to 6 months, but can be extended without any additional interest or fees with our flexible repayment policy. Applications are reviewed daily and funds are often deposited by the next business day.

Who should apply?

Customers who have an unexpected expense (car repair, medical downpayment, etc..) should consider using this product. Additionally, customers who have been using traditional payday or other high interest rate loans should consider refinancing with our lower cost loan.

and lower prices over time

Sample APRs1

APR Chart

1. Actual APRs vary depending on your repayment history and additional factors.