Figure offers larger sums for personal loans with far longer terms, making them a good choice for debt consolidation loans. The rates are also lower. Just bear in mind that if you take a loan with a longer term, even if the rate is lower, you will pay more in the long term. Figure is also more flexible in terms of its lending requirements. You can qualify for a loan with a FICO score of 680, but you will need to have a debt to income ratio of less than 40%. So, if you are in need of a debt consolidation loan, Figure does make a better option compared to Discover.