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FigLoans Reviews


Our mission

Fig adjustments the way in which individuals with adverse credit expertise banking. We provide emergency loans and monetary stability merchandise to get you thru life’s unpredictable challenges. The Fig distinction is our perception in you -- our low charges and cost schedule is smart inside your price range.

At Fig, we stand behind our dedication to supply monetary merchandise to our clients in a socially accountable approach. When debtors search for an emergency mortgage, it is when each greenback counts. That is the explanation our charges are designed solely to cowl the prices of serving the Fig Loan -- that’s it. Our loans present our clients with essentially the most reasonably priced product once they want it most.

We additionally imagine the one strategy to construct an actual, trusting relationship is transparency. This web page shares the efficiency of our preliminary emergency loan portfolio. We hope these statistics can spark dialog and encourage others to assume critically about small greenback lending . (These numbers don't comply with any accounting requirements, besides these of frequent sense, and must be solely used as meals for thought.)

As at all times, in case you have any questions or are occupied with studying extra about our emergency mortgage, please e mail us at

Fig at a look

We provide the entry degree Fig Emergency Mortgage at 190% APR. Our common mortgage measurement is roughly $400. Our per mortgage financials are beneath:

  • Income: $169.88
  • Complete Prices: $172.49
  • Advertising Price: $67.85
  • Default Losses: $84.93
  • Price of Capital: $12.00
  • Underwriting Prices: $19.72

The place we serve

Our journey started within the Lone Star State. We love you Houston!

As of January 2020, we're in a position to serve Missouri, Utah, Illinois, Ohio and Florida residents.

We’re rising quick and can announce new markets quickly! In the event you’re occupied with bringing Fig's emergency loans to your group sooner, please contact us at

Fig is rising and we intend to department out very quickly.

Why Fig Loans began in Houston

The unique Fig private mortgage began as a collaboration between Fig and United Method THRIVE in Houston. On October 14, 2014, we chilly known as 50 nonprofit organizations to be taught extra about how on-line payday loans in Texas have an effect on individuals and communities. We needed to talk to monetary coaches who had first-hand expertise working with payday mortgage clients. The one individual to take our name was Jackie at United Method of Larger Houston and the remaining is historical past!

Jackie defined that THRIVE is a collaborative of employers, group schools, monetary establishments and authorities businesses who concentrate on serving to households attain lasting monetary independence. We talked about our imaginative and prescient for the Fig private mortgage and the way it will be the primary of many accountable monetary merchandise all geared in direction of serving to individuals regain entry to conventional credit score sources.

Over the subsequent 6 months, we labored with Amy, Dorian, Jackie and Rushka at United Method of Larger Houston to be taught extra in regards to the issues attributable to payday lending practices. However maybe extra importantly, we used this time to outline the Fig Mortgage to be, in each approach, a greater mortgage for patrons and communities. On March 18th of 2015, we offered the unique Fig Mortgage to over 80 members of the THRIVE collaborative and requested if anybody can be prepared to assist us pilot this idea. Enter Richard from Household Providers of Larger Houston (Household Houston)!

With assist from Household Houston and United Method of Larger Houston, Fig Loans started providing installment loans in Texas. Over the summer season of 2015, we labored intently with Richard, Dan and Sonia at Household Houston to nice tune the small print of the Fig Mortgage. Their expertise working with our future clients formed the language, options and processes that underpin our Texas installment loans. It was by this course of that Fig’s versatile compensation coverage was born -- as a result of it’s what you'll do for a buddy. From our THRIVE companions in Houston to advocates in Austin, we recieved enter from coaches at organizations throughout Texas. We formally launched our Fig Loans pilot on October 1st of 2015 and we couldn’t have executed it with out all of the assist we acquired from our associates in Houston!

Thanks a lot for welcoming us into "The Big Heart" city!

Don't waste your time. Get a loan online.

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