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Rating by Finanso®

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Fig Loans pay off


Repayment of loan

You can repay your Fig Loan weekly or monthly based on which option you selected when applying for a loan. If you miss a payment, Fig does not charge late fees, and you can change your payment date without a fee.

Additionally, if you miss a payment for Fig Loans, you need to contact customer care for a split payment or a delay in making a payment. If you do not contact Fig Loans about being unable to make a payment, they will reach out to you to understand the situation and help you get them back on track.

However, defaulting on a credit-builder loan will cause Fig to treat the case differently from the personal loan. If you are 30 days or more past due on your payments, Fig will terminate your credit-builder loan and reimburse the amount you have already paid, less any interest payable on your past-due payment. As a result, they will classify your debt as closed rather than defaulted.

Steps to repay

When you apply for a new loan, Fig Loans looks at how you have been paying off your previous loans. As a result, you must make your repayments on time or contact customer service if the repayment period has ended but you are having trouble making installments.

To make a payment, go to the website and log in to your account and connect to your preferred money transfer service.

To make online payments, you can use the Automated Clearing House (ACH) system, which uses a secure system to reduce fraud. Remember to make ACH payments a day or two before the due date because the transaction takes at least one business day to set up.

Additionally, you can send your payment via mail to the Fig Loans payment processing center in Beaverton, Oregon, at 9450 SW Gemini Dr, Suite 93137, Beaverton, Oregon 97008-7105.

Conditions of loan extension

Loan extensions are not a problem for Fig Loans if you notify them in advance. So when you are in a difficult position and cannot continue making payments on time, contact customer service and explain your situation.

Early payoff

Paying off your debt early relieves your financial burden, allowing you to pay for other pressing bills. Fig does not charge late fees or early repayment penalties if you repay your loan early. In fact, depending on how quickly you repay your loan, they may even give you a discount.

Log in to your account and select Full Payoff or contact customer service to schedule an early repayment. Then, go to your profile to compare your current balance to your total balance to calculate the discount amount.


How do I make a payment on Fig Loans?

You can pay your Fig loan with automated installments from your bank account, debit card, or bank account (ACH) before 3 p.m. CST on the business day it is due. To repay using a debit card, go to your account, but keep in mind that debit card payments incur a fee that depends on the amount you are repaying.

What happens if you don’t pay back the Fig Loans?

If you fail to contact Fig after defaulting on a loan, they will contact you to see if you can come up with a plan to repay the amount.

Can you pay the loan early?

Yes. You can pay off your Fig loan early, which incurs no additional fees.

Can Fig Loan sue you?

Yes. Fig Loans can sue you, but they will contact you beforehand so that you have time to talk with a lawyer.

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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All Fig Loans’s reviews by September 2022
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