Figure has a fully automated, paper-free application process. In order to determine your eligibility, Figure requires a copy of a valid government-issued ID, and income verification. However, this can be done by providing copies of documentation such as tax returns or pay stubs. In most cases, Figure will not need to check your bank account and will rely on your credit report. If you can't meet the minimum requirements, you can compare other personal loan lenders or check out personal loans alternatives.