Young man applying for Fig Loans personal loan on smartphone

Apply for Your Fig Loans Personal Loan

Complete our secure online application in just minutes. Get a decision fast and receive your funds as soon as the next business day.

Why Apply with Fig Loans Today

We have designed our loan application process to be straightforward and stress-free. Here is what you can expect when you apply for a personal loan with Fig Loans.

5-Minute Application Process

Our streamlined form takes just minutes to complete. No lengthy paperwork or complicated questions to answer.

No Impact on Your Credit Score

Checking your rate uses a soft credit inquiry that will not affect your credit score. See your options risk-free.

Bank-Level Security Protection

Your personal and financial information is protected with 256-bit encryption and industry-leading security protocols.

Fast Funding Available

Once approved, receive your loan funds directly deposited into your bank account as soon as the next business day.

What You Will Need to Apply

  • Valid government-issued ID
  • Social Security Number
  • Proof of income or employment
  • Active checking account for deposit
  • Contact information and address

Start Your Application

Fill out the form below to check your personalized rate

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Application Process

How the Fig Loans Application Works

Our straightforward process is designed to get you the funds you need as quickly as possible with minimal hassle.

1

Complete the Form

Enter your basic information and loan request details in our secure online form.

2

Review Your Offers

Receive personalized loan offers with clear terms and competitive rates.

3

Accept Your Loan

Choose the offer that works best for your budget and accept the terms.

4

Get Your Funds

Receive funds directly deposited to your bank account, often next business day.

Excited customer approved for Fig Loans personal loan
Loan Details

Transparent Terms with No Hidden Fees

At Fig Loans, we believe in complete transparency. You will always know exactly what you are paying before you commit to a loan. Our straightforward approach means no surprises and no hidden costs.

Loan Amounts
$500 - $5,000
Loan Terms
3 - 24 Months
Representative APR
35.99%
Funding Speed
Next Business Day

*APR ranges from 35.99% to 199.00% depending on your creditworthiness, loan amount, and term length. Actual rates vary based on individual circumstances. See full disclosure at bottom of page.

Common Questions

Application FAQ

Find answers to common questions about the Fig Loans application process.

To complete your Fig Loans application, you will need your full legal name, date of birth, Social Security Number, current address, contact information, employment details, and bank account information for fund deposit. Having these ready will help you complete the application in about 5 minutes.
Most applicants receive an initial decision within minutes of submitting their application. In some cases, we may need additional information to verify your details, which could extend the review time slightly. We will notify you promptly once a decision has been made.
No, checking your rate with Fig Loans will not affect your credit score. We use a soft credit inquiry during the initial rate check. Only after you accept a loan offer and proceed with the full application will a hard credit inquiry be performed, which may have a minor temporary impact on your score.
Yes, Fig Loans considers applicants with various credit profiles, including those with less-than-perfect credit or limited credit history. We look at multiple factors beyond just your credit score to make lending decisions. Applying will not hurt your credit, so there is no risk in checking your rate.
Once you accept your loan offer and complete the final verification, funds are typically deposited directly into your bank account as soon as the next business day. The exact timing depends on your bank's processing times and when you complete your application.
Absolutely. Fig Loans uses bank-level 256-bit SSL encryption to protect your personal and financial information. We follow strict data security protocols and never sell your information to third parties. Your privacy and security are our top priorities.

Have Questions Before Applying?

Our support team is here to help you understand your options and guide you through the process.

Contact Our Team
Friendly Fig Loans support representative