Frequently Asked Questions

Fig Loans is an online lead generation service. We are not a lender, loan broker, or financial institution. When you submit a loan request through our website, your information may be shared with one or more participating lenders, lending partners, affiliate networks, or marketing partners who may contact you with a loan offer. We do not make credit decisions and we do not guarantee that you will receive a loan offer.

No. Fig Loans is not a direct lender. We are an advertising-supported lead generation service. If you submit a request, your information may be shared with third-party lenders and lending partners who will make their own independent credit decisions. We are not involved in the lending decision, loan terms, or funding process.

Submitting a loan request through this website is free. Fig Loans is compensated by participating lenders and marketing partners. You are never charged a fee by us for submitting a request. However, if you are matched with a lender, the lender may charge origination fees, late payment fees, or other fees as described in their loan agreement. Review the lender's offer carefully before accepting.

You may submit a loan request for amounts between $350 and $5,000. However, the actual loan amount you may be offered, if any, depends entirely on the lender's review of your application, your creditworthiness, income, state of residence, and the lender's own lending limits. Submitting a request for a specific amount does not guarantee that amount will be offered.

After you submit your loan request, your information may be reviewed by participating lenders or partners. If a lender is interested in working with you, they may contact you directly by phone, email, or text message (if you provided consent). They may present you with a loan offer. You are under no obligation to accept any offer. If you accept, the lender will walk you through their application and funding process. Fig Loans is not involved in this process after your information is submitted.

No. You are never obligated to accept any loan offer. Submitting a request through this website is exploratory — it allows you to see whether participating lenders may be interested in working with you. Before accepting any offer, you should carefully review all loan terms including the APR, fees, repayment schedule, and consequences of late or missed payments.

Funding timelines vary by lender and are not controlled by this website. Some lenders may deposit funds as quickly as one business day after loan approval, while others may take longer. We cannot guarantee any specific funding timeline. After receiving a loan offer, ask the lender directly about their expected disbursement timeline.

Loan availability varies by state due to state lending laws and regulations. Not all lenders in our network operate in all states, and certain loan products may not be available in your state. Please submit your request to find out whether participating lenders are available in your area.

Interest rates are set by individual lenders, not by this website. Rates available through participating lenders in our network may range from approximately 5.99% to 35.99% APR, depending on the lender, loan amount, loan term, your creditworthiness, and state of residence. This range is not guaranteed. Your rate may be higher or lower than this range. You will receive the lender's specific rate disclosure before you accept any offer.

Fig Loans does not charge you any fees. However, lenders to whom you are connected may charge origination fees, late payment fees, prepayment penalties, returned payment fees, or other fees as described in their loan agreement. All fees must be disclosed in the lender's Truth-in-Lending disclosure (TILA) before you accept the loan. Review all fees carefully before signing any loan agreement.

Repayment terms are set by the individual lender and vary by loan amount and creditworthiness. Terms available through participating lenders may range from 12 to 84 months. Your specific repayment schedule will be detailed in the lender's loan agreement. Review your repayment schedule carefully to ensure the monthly payment fits your budget.

Submitting a loan request through Fig Loans alone does not affect your credit score. However, if a lender receives your request and decides to pull your credit report as part of their review process, that credit inquiry may appear on your credit report and could have a minor impact on your credit score. The lender will disclose whether they will perform a hard or soft credit inquiry before processing your application.

Credit score requirements are set by individual lenders, not by this website. Different lenders have different minimum credit score requirements, and some lenders specialize in working with borrowers across a range of credit profiles. Submitting a request does not guarantee that any lender will offer you a loan, regardless of your credit score.

You may submit a request regardless of your credit profile. Some participating lenders may consider applicants with a range of credit histories. However, a poor credit history may affect the loan offers you receive, including higher interest rates or lower loan amounts. We cannot guarantee that you will receive an offer if you have poor credit or a limited credit history.

Fig Loans is a legally operating online lead generation service. We use industry-standard security measures to protect your submitted information. We encourage you to read our Privacy Policy and Important Disclosures pages before submitting any information. If you have questions or concerns, please contact us at support@loansfig.com.

When you submit a loan request, your information may be shared with participating lenders, lending partners, affiliate networks, and marketing partners for the purpose of presenting you with loan offers. Your information is handled in accordance with our Privacy Policy. California residents have additional rights under CCPA — see our Do Not Sell page. For full details, please review our Privacy Policy.

This initial loan request form does not require your Social Security Number. If a lender decides to process your request further, they may ask for your SSN as part of their own credit application process. Any request for your SSN would come directly from the lender, not from this website. Never provide sensitive financial information unless you have verified the lender's legitimacy.