At A Glance
Life doesn’t always go as planned. When you’re short on cash and traditional banks say no, finding a fair, affordable loan without high fees or predatory terms can be challenging. That’s where Fig Loans loan quotes come in.
Designed specifically for people with poor or limited credit, Fig Loans personal loan quotes offer fast, ethical, and easy access to small-dollar installment loans. Whether you need help covering rent, utility bills, car repairs, or just bridging a gap between paychecks, Fig Loans aims to provide short-term financial relief without trapping you in a debt cycle.
In this guide, we’ll walk you through:
- What is Fig Loans, and how does it work?
- How do you view your Fig Loans personal loan quotes through Beem?
- What makes Fig Loans different from payday lenders?
- How to compare offers to find the best deal.
- What to do if Fig isn’t your best match.
What Are Fig Loans?
Fig Loans is a mission-driven online lender focused on helping borrowers who traditional banks often overlook. They aim to provide an ethical alternative to payday and title loans by offering small personal installment loans with transparent terms and an opportunity to build credit.
They’re not in the business of profiting off hardship. Instead, they partner with nonprofit organizations and community programs to provide financial education, fair rates, and flexible repayment options for everyday people.
Read Also: Elevate Personal Loan Quotes: Explore Smart Lending Options Designed for You
Why Fig Loans’ Personal Loan Quotes Matter
Getting accurate, customized information is key when you’re exploring borrowing options. That’s what Fig Loans’ loan quotes provide—personalized loan offers based on your income, location, and repayment ability.
Here’s why you should check your Fig Loans personal loan quotes before borrowing:
- You get a clear picture of interest rates, repayment terms, and total cost.
- Quotes are based on real data, not generic ranges.
- You can compare Fig Loans’ loan quotes with those of other lenders on Beem to find the most affordable solution.
- Checking quotes through Beem uses a soft credit check—it won’t affect your score.
With just a few taps, you can access your Fig Loans personal loan quotes and see how they stack up in real-time.
Key Features of Fig Loans’ personal loan quotes
Fig Loans offers unique benefits you won’t find with most small-dollar lenders:
1. Small, Purpose-Driven Loan Amounts
- Loan sizes usually range from $300 to $1,000.
- Designed for real-life needs—utility bills, groceries, emergency repairs.
- Avoids overwhelming borrowers with significant loan obligations.
2. Transparent, Fair Pricing
- No hidden fees.
- Clear APR and total repayment breakdown.
- You always know what you’re paying for.
3. Repayment Terms That Make Sense
- Loan terms typically range from 3 to 6 months.
- No lump-sum paybacks—just equal monthly payments.
- Early repayment is allowed without penalties.
4. Credit Building Opportunities
- On-time payments are reported to all three major credit bureaus.
- A great way to build or improve your credit profile over time.
- Unlike payday loans, Fig Loans personal loan quotes are designed to help, not hurt.
Who Should Consider Fig Loans?
If any of the following sound like you, Fig Loans’ loan quotes might be the perfect fit:
- You’ve been denied loans because of low credit scores.
- You need a small loan fast—$300 to $1,000.
- You want predictable payments with no surprises.
- You want to avoid payday loan traps.
- You’re looking for a chance to build your credit responsibly.
Remember: not all personal loans are created equal. With Fig Loans’ loan quotes, you get a borrowing option built for your reality.
How to Check Your Fig Loans Personal Loan Quotes on Beem
Getting your Fig Loans personal loan quotes is easy and safe, and it takes just a few minutes with Beem.
Step 1: Download the Beem App
The Beem app is available for iOS and Android. Download and open it to get started.
Step 2: Enter Your Basic Info
Tell us:
- How much do you want to borrow?
- Your income and employment details.
- Your location and contact info.
Step 3: See Your Personalized Offers
Beem will show your Fig Loans personal loan quotes instantly, along with quotes from:
- NetCredit
- Braviant Holdings
- Credit Ninja
- LendingPoint
- MoneyKey
- Upstart
- SoFi
You’ll see:
- The loan amount you qualify for
- APR and repayment term
- Estimated monthly payments
- Disbursement speed
Comparing Fig Loans’ loan quotes With Other Lenders
It’s smart to check your Fig Loans personal loan quotes, but even smarter to compare.
Here’s how Fig Loans stacks up on Beem:
| Lender | Loan Amount | Best For | Funding Speed |
| Fig Loans | $300 – $1,000 | Ethical small loans, credit building | 1–2 business days |
| Credit Ninja | $100 – $5,000 | Flexible short-term loans | Next day |
| MoneyKey | $250 – $2,000 | Emergency borrowing | Same day |
| Braviant | $1,000 – $5,000 | Installment loans for bad credit | Fast approval |
| NetCredit | $1,000 – $10,000 | Personal loans with flexible terms | Same day possible |
With Beem, you can compare your Fig Loans personal loan quotes with these lenders to see who offers the best terms for your situation.
How Fig Loans’ loan quotes Help Build Credit
Fig Loans is invested in your long-term financial health, unlike many small-dollar lenders. That’s why every Fig loan includes:
- Credit bureau reporting: On-time payments help build or rebuild your credit.
- No penalty for early repayment: Pay off faster and save on interest.
- No rollovers or refinancing traps: Each loan stands on its own.
Read Also: Compare Personal Loan Quotes from Top Lenders: How to Find the Best Deal in Minutes
What If You Don’t Qualify for Fig Loans?
Sometimes Fig Loans might not be available in your state or may not match your income profile. That’s why Beem also shows alternative quotes instantly.
Some strong alternatives include:
- Braviant Holdings – Great for slightly larger loans with flexible approvals.
- Credit Ninja – This is for same-day approval and repayment flexibility.
- LendingPoint or NetCredit – Ideal if your credit is improving and you need a longer-term loan.
- SoFi or Upstart – Higher credit tiers and larger loan amounts.
Or try Beem’s Everdraft™ feature, which is perfect for $50 to $250 emergency funds without requiring a formal loan.
Everdraft™: Instant Emergency Cash, No Hassle
If your need is urgent and you’re not ready to take on a whole loan, Beem’s Everdraft™ feature is your fast-track solution.
Benefits:
- Get up to $250 instantly
- No hard credit check
- No paperwork
- Flexible repayment based on your paycheck schedule
Use Everdraft™ as a backup while reviewing your Fig Loans personal loan quotes or comparing other offers.
Conclusion
Fig Loans’ loan quotes give borrowers access to ethical, affordable, and fast small-dollar loans, without the dangers of payday lending. Whether handling an emergency or rebuilding your credit, Fig Loans provides a transparent and responsible path forward.
And when you use Beem, you don’t just get a quote—you get options. Instantly compare your Fig Loans personal loan quotes with top lenders to make the best decision for your financial future.
Download Beem now and check your personalized Fig Loans personal quote today—safe, fast, and credit-score friendly.
FAQs About Fig Loans: Personal Loan Quotes
How much can you borrow from Fig Loans?
Fig Loans typically offers loans ranging from $300 to $1,000, depending on your state and eligibility. These are small-dollar installment loans designed to help borrowers cover short-term financial needs such as bills, rent, or emergency expenses.
Unlike payday loans, Fig Loans are structured to be repaid over several months, making them more manageable and affordable. Loan limits may vary based on income, credit profile, and state regulations.
What credit score do you need for a Fig Loan?
Fig Loans is designed for borrowers with low or limited credit history, so no minimum credit score is required to apply. The company focuses more on your banking activity and income stability than your FICO score.
This makes Fig Loans a good option if you’ve been denied elsewhere due to inadequate or no credit. However, having a history of on-time banking transactions and consistent income can improve your chances of getting approved.
What is the interest rate for Fig Loans?
Fig Loans offers interest rates starting from 8.99%* APR, significantly lower than traditional payday loans. The actual rate you receive will depend on your state, income, financial profile, and loan amount.
While the starting APR is competitive, not all borrowers will qualify for the lowest rate. Fig Loans focuses on providing transparent, fixed-rate installment loans with no hidden fees, making them a safer alternative for people who need short-term financing and want to build their credit over time.
Note: *You will only receive a loan offer and be approved for a loan if you meet Fig’s current credit standards, which include the following conditions: you do not currently have an active Fig loan, and Fig has not declined you within the last 30 days. Further, any approval received is conditional on Fig’s standard review, which may include a verification of (i) your identity, (ii) information provided as part of your application, and (iii) your ability to pay.
Fig loans range from $2,000 to $35,000 with 24 to 60 months terms. Annual Percentage Rates (APRs) range from 8.99% to 29.49%. The APR is the same as the interest rate. Your loan amount and your APR will depend on the assessment of your credit profile. Offer excludes residents of the Northwest Territories, Nunavut, and Yukon. Source: Fig Loan
Does Fig Loan check credit?
Yes, Fig Loan does perform a soft credit check when you apply, which does not affect your credit score. This allows them to assess your financial profile without damaging your credit history.
They focus more on your banking behavior and income stability than your credit score, making them a popular option for borrowers with limited or challenged credit histories.
Which bank is best to get a personal loan?
Some of the best banks for personal loans include Discover, Wells Fargo, Marcus by Goldman Sachs, and LightStream. These banks offer competitive interest rates, zero fees, and fast funding for qualified borrowers.
However, banks often have stricter requirements. If you’re unsure where you stand, platforms like Beem let you compare bank and non-bank lenders in one place, so you get the best match for your credit and income level.
What is the best personal loan company?
The best personal loan company depends on your credit score, loan amount, and financial goals. Some top-rated lenders include SoFi, Upstart, Best Egg, LightStream, Fig Loans, and Avant, each offering competitive rates and fast approvals.
Using a loan comparison tool like Beem can help you identify your specific profile’s best personal loan provider. Beem partners with multiple top lenders, allowing you to compare real offers without affecting your credit.
What interest rate is too high for a loan?
An interest rate above 36% APR is generally considered high for a personal loan. The National Consumer Law Center suggests anything over this rate may be predatory, especially for longer-term loans.
If interest rates exceed this threshold, consider credit unions, nonprofit lenders, or secured loan options. Before committing, you should use platforms like Beem to compare lower-rate alternatives from reputable lenders.
What is considered a good credit score?
According to most credit scoring models, like FICO, a good credit score typically falls between 670 and 739. Scores in this range make qualifying for loans, credit cards, and favorable interest rates easier.
A good credit score means you’ve shown responsible financial behavior, such as paying bills on time, keeping debt low, and managing multiple credit accounts effectively. You’ll have access to better loan options and lower APRs if you’re in this range.
