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Figure personal loan alternatives: 2024 review

Written by Edited by
Published on May 19, 2025 | 1 min read

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Cropped shot of a couple using their laptop and going through paperwork at home
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Figure formerly offered personal loans to consumers with good credit. You could borrow between $5,000 and $50,000 and choose a repayment term between 36 and 60 months. Plus, funding times were fast — just one to two business days for most borrowers — and the rates were some of the most competitive in the industry.

Figure may no longer offer personal loans, but many lenders still do. If you want a lender similar to Figure, consider those offering fast funding and competitive interest rates.

Lender APR range Loan amounts
Upgrade 7.99%-35.99% (with autopay) $1,000–$50,000
TD Bank 8.99%-23.99% $2,000–$50,000
Achieve 8.99%-29.99% $5,000–$50,000

Upgrade

Upgrade logo

Upgrade

Rating: 4.6 stars out of 5
4.6
  • Green circle with a checkmark inside

    Pros

    • Fair credit accepted
    • Debt consolidation rate discount
    • Low minimum loan amount
    Red circle with an X inside

    Cons

    • High origination fee
    • High maximum APR

TD Bank

TD Bank logo

TD Bank

Rating: 4.8 stars out of 5
4.8
  • Green circle with a checkmark inside

    Pros

    • Low APRs and no origination fees
    • Suite of banking products available
    • Prequalification available
    Red circle with an X inside

    Cons

    • Fewer terms offered
    • Strong credit score required
    • Borrowing limited to 15 states

Achieve

Achieve logo

Achieve

Rating: 4.5 stars out of 5
4.5
  • Green circle with a checkmark inside

    Pros

    • Fast funding
    • Low starting APR
    • Fair credit accepted
    Red circle with an X inside

    Cons

    • High maximum APR
    • Origination fee
    • Not available in all states

Why doesn’t Figure offer personal loans anymore?

Figure has shifted its focus from personal loans to helping homeowners leverage their home equity to meet financial goals. It currently offers cash-out refinance loans and home equity lines of credit (HELOCs) in its suite of lending solutions.

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