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Fig Loans application


How to apply

When you need a loan from Fig or want to open a credit-builder account, there are some prerequisites you must meet first.

Follow these steps to apply for a payday credit with Fig Loans.

  1. Visit Fig Loans website

  2. Click Apply on the top right corner

  3. Confirm your state of residence

  4. Select the loan amount you need

  5. Click on Save

  6. Click on “I Already Have an Account” to log into your account.

  7. After clicking Accept, wait for the lender to notify you if your loan has been accepted or denied

When your application is approved, you will receive a confirmation email, and Fig will deposit funds into your account within three business days. If there is a problem with your application, the lender will contact you through email to inform you of the decision or if additional information is required from you.


So what do you need to apply online for a loan? These are the requirements that you need to follow to apply for a loan:

  • You must be at least 18 years old and live in one of the eight states where Fig Loans is available.

  • You must be a United States citizen with a valid government-issued photo ID.

  • You must have a valid social security number.

  • You must have an active bank account with over $1,400 in transactions in the last three months.

  • Your checking account must have a positive balance when you apply for the loan.

  • Recurring customers should have an excellent repayment history.

Application details

When you create a personal account and apply for a Fig Loan, your loan is granted or declined in hours, especially if it is during a business day.

When you meet all the conditions and requirements, Fig may approve your loan. However, some factors may cause your loan to be denied:

  • When you enter details like social security number, phone number, or email address that belong to another user.

  • If Plaid and IBV do not support your bank accounts.

  • Your bank account reveals several deposit inconsistencies.

  • You have multiple returned checks, or insufficient funds (NSF) fines on your bank account.

  • You have another loan with Fig Loans or another lender.

  • Your prior history with Fig reveals anomalies in making timely payments.

  • Your identification check with Clarity Services was unsuccessful.


How long does it take to get approved by Fig Loans?

Fig Loans will approve your loan request in two hours and deposit the funds into your account in three business days. They also provide instant funding, and you can have money in your account within an hour.

How trustworthy is Fig Loans?

Fig Loans is trusted by its users because it does not conceal any information about loan charges and also has no hidden fees or late fees if you are late on a payment.

Does Fig Loans verify income?

Yes. You must have had a regular salary of over $1,400 for the previous three months. 

Does Fig Loan hurt your credit score?

No. This will not affect your credit score because Fig Loans evaluates your transaction history and income on a bank account statement rather than your FICO credit score when you apply.

Calculate loan payments in Fig Loans

Fig Loans calculator will allow you to calculate an approximate payment schedule for the loan

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