States We Serve
Fig Loans is proud to offer personal loans in 46 states across the United States. Check below to see if we serve your state.
Personal Loans Available Nationwide
We are continuously expanding our reach to help more Americans access fair, transparent personal loans. Find your state below to confirm availability.
States Currently Not Served
Due to state regulations, Fig Loans is not currently available in the following states. We are working to expand our coverage.
Why Does Location Matter?
Personal lending is regulated at both the federal and state level in the United States. Each state has its own laws governing interest rates, loan terms, licensing requirements, and consumer protections for personal loans.
Fig Loans is committed to operating in full compliance with all applicable regulations. This means we must be properly licensed in each state where we offer loans, and our loan products must meet each state's specific requirements.
In some states, regulations make it impractical for us to offer our loan products while maintaining our commitment to fair, transparent lending. We continue to monitor regulatory changes and work toward expanding our coverage to serve more Americans.
In a State We Serve? Apply Now!
Check your rate in minutes without affecting your credit score. Get funds as soon as the next business day.
Start Your Application
Getting a Fig Loan in Your State
The application process is the same regardless of which state you live in. We have streamlined our process to make getting a personal loan fast and easy for borrowers across America.
Check Eligibility
Confirm Fig Loans is available in your state by checking our list above. We currently serve 46 states.
Apply Online
Complete our simple online application in just minutes. No paperwork or faxing required.
Get Your Rate
Receive an instant decision with your personalized rate. Checking your rate does not affect your credit score.
Receive Funds
Once approved, funds can be deposited directly into your bank account as soon as the next business day.
State-Specific Loan Terms
While our loan products are similar across all states we serve, some terms may vary based on state regulations. Here is what you need to know about lending requirements in different states.
Loan Amounts
Fig Loans offers personal loans ranging from $500 to $5,000 in most states. However, minimum and maximum loan amounts may vary depending on your state of residence due to local regulations. During the application process, you will see the specific loan amounts available to you based on your location and creditworthiness.
Some states have caps on the total amount consumers can borrow from personal loan providers. We ensure all our loan offers comply with these limits to protect our customers.
Interest Rates and APR
Annual Percentage Rates for Fig Loans typically range from 35.99% to 199%, depending on your state of residence, credit history, and loan term. Many states have interest rate caps that determine the maximum rate lenders can charge.
Your actual rate will be disclosed before you accept any loan offer, so you will know exactly what you are agreeing to with no hidden surprises. We believe in complete transparency with all our borrowers.
Repayment Terms
Loan terms at Fig Loans range from 4 to 24 months, giving you flexibility to choose a repayment schedule that fits your budget. State regulations may affect the minimum or maximum term available in your area.
We offer fixed monthly payments that make budgeting easy. You will know exactly how much you owe each month and when your loan will be paid off. Early repayment is always an option with no prepayment penalties.
Licensing and Consumer Protection
Fig Loans is properly licensed in all states where we operate. We comply with both federal and state consumer protection laws, including the Truth in Lending Act and state-specific lending regulations.
If you have questions about your rights as a borrower in your state, our customer support team is available to help. We are committed to responsible lending practices that put our customers first.
State Availability FAQs
Why is Fig Loans not available in certain states?
Some states have lending regulations that make it impractical for us to offer our loan products while maintaining our commitment to fair, transparent lending. We continuously monitor regulatory changes and work toward expanding our coverage.
I recently moved to a new state. Can I still apply?
Yes, your eligibility is based on your current state of residence. If you have moved to a state where Fig Loans is available, you can apply for a loan. Make sure to update your address information in your application.
Will Fig Loans expand to more states in the future?
We are always working to expand our reach and help more Americans access fair personal loans. Sign up for our newsletter to be notified when we launch in new states.
Are loan terms the same in every state?
While our core loan products are similar across all states, specific terms like interest rates, loan amounts, and repayment periods may vary based on state regulations. You will see your personalized terms during the application process.
How do I verify Fig Loans is licensed in my state?
You can verify our licensing through your state's banking or financial services regulatory agency. We maintain all required licenses and registrations in every state where we operate.