Since its founding in 2014, FreedomPlus has aimed to create a unique and valuable personal loan experience for its customers. The lending company consistently does this by providing quality loans that meet individual needs through its sophisticated yet simple application and vetting process. FreedomPlus also provides professional advice through knowledgeable loan consultants and experts. 

Read FreedomPlus reviews below to see what consumers have to say about this lender.

The Good

  • Quality Customer Service
  • Flexible Loan Terms
  • Same-Day Lending Decisions
  • FreedomPlus Reviews
  • Simple Loan Application Process
  • FreedomPlus Credit Score Requirement
  • Fixed-Rate Loan and Payments
  • Debt Consolidation Loans
  • No Prepayment Fees
  • FreedomPlus Max Personal Loan Amount

Quality Customer Service

FreedomPlus provides quality customer service to its borrowers primarily through its loan consultants. Customer service and loan consultants help you make the best financial decisions while balancing your financial needs.

The company offers a simple and easy-to-use form to start your loan process online and allows you to call when you start your application with any questions. Friendly and knowledgeable loan consultants and experts are able to assist you throughout your application. User reviews indicate these interactions are extremely valuable for potential customers. Customer service also handles complaints. There is little to no wait time for customer service.

Flexible Loan Terms

FreedomPlus has flexible loan terms ranging from two to five years. FreedomPlus also allows borrowers to pay off loans earlier than the loan due date, so your loan repayment can ultimately be as brief as you'd like. This could save you a great deal of money in interest fees if you decide to repay the loan before your official payoff date.   

Same-Day Lending Decisions

FreedomPlus offers same-day loan decisions. However, this isn't guaranteed and will fluctuate based on your provided documentation, application verification, what time of day it is, etc. Having a quick loan decision from online lenders makes it faster and simpler for borrowers to find a personal loan that works best for them and is available as soon as possible. 

FreedomPlus Reviews

FreedomPlus has an exceptional star rating from consumers. Quality reviews demonstrate to consumers that FreedomPlus is a trustworthy and high-standard lender. Reviews highlight reasonable rates and fees, simple repayment options, and exceptional customer service. This can provide peace of mind to potential borrowers that FreedomPlus is a good choice for their personal loan needs. 

Simple Loan Application Process

Receiving your loan as fast as possible is a highly desired feature for most, if not all, borrowers. 

FreedomPlus's intuitive initial online application takes a few minutes at most. Simply select the loan amount you are looking to borrow, describe the reason for taking out the loan (home repairs, credit card refinancing, consolidation loans, etc.), submit your credit rating (based on your credit score), what state you live in, then your name and phone number or email address.

From there, a loan consultant will get in touch with you to complete the transaction. FreedomPlus has extremely fast approval and funding times. It can usually approve your loan and get the money in your hands in as little as three days. Your loan repayment term can range from 24 months–60 months, with rates from 5.99 percent APR–29.99 percent APR.

FreedomPlus Credit Score Requirement

If your credit history is less than perfect, FreedomPlus might be a good match. Unlike many competing lenders, at 620, FreedomPlus has a lower minimum credit score requirement. A 620 FICO score is below average for Americans, is considered bad credit or fair credit. 

You will still receive better rates and repayment terms, the higher your credit score is, but a lower credit score requirement allows for a wider range of borrowers. Requirements of competing personal loan providers are generally higher: 

  • Best Egg minimum credit: 640
  • SoFi minimum credit: 680
  • Lending Club minimum credit: 699
  • Discover minimum credit: 750

Fixed-Rate Loan and Payments

FreedomPlus offers loans with an annual percentage rate from 5.99–29.99 percent, including the loan origination fee.  On top of that, it uses fixed monthly payments, so your monthly payment amount will never fluctuate. FreedomPlus also has fixed rates, so your APR will never be subject to change, as it can with a variable rate. This can provide peace of mind and stability to borrowers knowing the numbers they receive in the beginning will be the same throughout the lifespan of their loan. 

Debt Consolidation Loans

If you are seeking personal loans for debt relief, its important to know that FreedomPlus helps with debt consolidation and debt settlement by working with creditors on your behalf. For example, if you are seeking a personal loan to help tackle credit card debt, FreedomPlus will exclude said credit card debt from your debt-to-income ratio and pay off the credit card once you are approved. This service can help you qualify for more money and make bill payments simple. 

You could even qualify for rate discounts if you let FreedomPlus pay your creditors on your behalf, have retirement assets, or apply with a cosigner.

No Prepayment Fees

FreedomPlus does not charge any prepayment fees, regardless of when you decide to pay off your loan. This means you can pay off your loan anytime you want, regardless of your loan term. FreedomPlus also has fixed rate loans and one fixed monthly payment, so your APR will never fluctuate. This provides stability for borrowers and the opportunity to save money in interest charges if they want to pay off the loan early. 

FreedomPlus Max Personal Loan Amount

FreedomPlus has a max personal loan amount of $40,000 with a minimum loan amount of $7,500. Funds are available within 48 hours of credit approval (at least a 620 credit score required), and the APR ranges between 5.99 percent and 29.99 percent. You can have a FreedomPlus personal loan for up to five years. 

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The Bad

  • Origination Fees

Origination Fees

FreedomPlus charges an origination fee between 0 percent and 5 percent on its personal loans. While a fee like this isn't necessarily exorbitant for the industry, some industry leaders omit such processing fees from their loan applications altogether, but they are still quite common.

The Bottom Line

The most important factor to consider when choosing between potential personal loan companies is whether their loan parameters meet your borrowing needs. In other words, does the length of the loan, interest rate, monthly installment payment, and borrowing amount match what you need in a loan? 

FreedomPlus personal loans accept FICO scores starting at 620. They have wide parameters for interest rates, high loan amounts, quick approval times, flexible loan terms, and no hidden fees. Having a large number of positive reviews, FreedomPlus complaints are limited and customers highlight exceptional customer service, a painless loan process, and great loan rates. 

FreedomPlus is a great option for your personal loan needs. Whether you're wanting to consolidate debt, cover home repairs, or fund other expenses, FreedomPlus is a quality lender.

*All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 5.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 5.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $14,000.00, and with a term equal to 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you qualify.

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User Reviews

Star Rating

4.6
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2,072 Reviews

Review Breakdown

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1 star
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Sentiment Criteria

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R Seay Jr

April 7th, 2020 Benton, LA DETAILS arrow_drop_down
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I found his customer service skills outstanding. The way he was able to explain every detail in a way that anyone would be able to understand the material as if they had a doctorate in finance. The process was quick and his ability to reassure the normalcy of everything was the most amazing gift that I've encountered in all my years dealing with banking and finance. Should be considered an asset to your company and most assuredly promoted above his peers.

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Isabella Langan

April 2nd, 2020 Nashua, NH

John F was great- he made sure I got the best deal and experience

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Gary Harrell

April 2nd, 2020 Arlington Heights, IL DETAILS arrow_drop_down
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I have a loan started at 15k now 5k always hard to get hold of and even email sometimes they respond back as they are being inconvenienced.The last 3 -4 month I have been making some smaller payments then about 3 days out from due date I then go in to pay the balance for that bill however cant get in mysteriously wrong password and then locked out.Then hit with a late fee then finally they7 unlock the site so I can pay.Now they hit my credit report and the fee this is not any help.I would recommend them if they were more reasonable on fixing being locked out.They also see where the last 3-4 months I reached out over 10 times each month asking to unlock

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Karlyn Bebout

April 1st, 2020 Dallas, TX DETAILS arrow_drop_down
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I was pleased with you until I actually needed to speak to someone! March 23 I started sending e-mails almost every day and i get no response except for the automated one! I tried calling I was on hold 45min and then disconnected I am very annoyed

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wingnut1950

April 1st, 2020 Livonia, MI DETAILS arrow_drop_down
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Working with Serena C was great a true professional.

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Calvin

March 31st, 2020 Geneva, IL DETAILS arrow_drop_down
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Victoria was great to work with. One of the only companies I felt was trying to help. She gave me sound advice, and made such an impact that I've come back for future loans and moved a loan from another company. Thank you for all your help and I look forward to working with you again.

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Sherry L. Reed

March 30th, 2020 Fayetteville, GA DETAILS arrow_drop_down
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The loan was process in only a couple of day. The representative was very knowledgeable of the process, very professional, and walked us through the entire process. Excellent service. Sherry Reed

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Mary Engel

March 28th, 2020 Sherwood, AR DETAILS arrow_drop_down
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I only have great things to say about FreedomPlus. They saved me two years ago and reached out to me this month to lower my interest rate on my last two years of payments and saved me a bundle in interest. FreedomPlus is the only financial assistance I would ever use or recommend.

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Vidura Stich

March 28th, 2020 Sacramento, CA DETAILS arrow_drop_down
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Super service and really appreciate how your staff keeps things focused on the goal of gaining financial freedom. It is a great pleasure working with your team!

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Susan M Pan

March 26th, 2020 Lawrence, MA DETAILS arrow_drop_down
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Freedom Plus has been a nightmare to deal with, hiding behind a Telemarketing boiler room with no real contact with anyone with authority. After being a strong customer for 2 years we sought a deferment of a few months due to a severe accident and serious illness. In March, we were informed by their representative that FP would offer us one more month deferment and that we were completely current and we would commence our regular payments in March. When I attempted to make such payment I was informed we were 29 days delinquent and that they would not honor their own representation to defer February. They also informed me that they did not care what was said via phone by their rep as they had a contract and were now reneging on their previous representations. This is not only fraudulent practice it will affect our credit and we only knew of their reversal by accident. Do not do business with this company.........high rates, origination fees, and false and deceptive representations.

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James Lindsey, Longview

March 26th, 2020 Longview, TX

A loan was initiated on Mar 19, today is Mar 26, and the loan amount has not been deposited. I have requested cancellation of all transacions.

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Ruth Hertzberg

March 26th, 2020 Springfield, MO DETAILS arrow_drop_down
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Freedom Plus is and has been an answer to my financial difficulties. I have always been able to pay my bills on time and the full amount, but I wanted totally out of debt so that my Social Security and retirement annuity could be used for fun and adventure not bills. Freedom Plus has given me the opportunity to consolidate all my payments into one and live really live on what is left. In a few months I will be debt free of all the elective debt. Still have housing and transportation expenses but in my world those will always be there. Working with their staff has been wonderful. Courteous people, very knowledgeable and professional. I be glad to refer this company to my family and friends.

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Dave Roush

March 26th, 2020 Key Largo, FL

Simple Easy and quick. Agents were the best, very helpful.

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Steven Washburn

March 22nd, 2020 Denver, CO DETAILS arrow_drop_down
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The process & experience was seamless. The service was exemplary. Would definitely choose FreedomPlus again!

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Nancy cannon

March 22nd, 2020 Chicago, IL DETAILS arrow_drop_down
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Fast , friendly and convenient! Aleece R. was our loan representative and she was great. Very friendly and helpful and efficient. She kept in touch with me very often to make sure I knew how things were going and answered all my questions. Highly recommend her!

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John Rhodes

March 19th, 2020 Denison, TX DETAILS arrow_drop_down
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I had been searching for some time hoping a good honest company would approve my debt consolidation at a fair interest rate. Freedom Plus has exceeded my expectations! Thank you Freedom Plus and staff.

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Robin Arth

March 19th, 2020 Citrus Heights, CA DETAILS arrow_drop_down
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Great service and support. My contact was clear and was able to help me get a very favorable rate to pay off high interest accounts! Thank you!

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[email protected]

March 8th, 2020 Philadelphia, PA DETAILS arrow_drop_down
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Excellent products and great customer service

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Brian Tierce

March 8th, 2020 Las Vegas, NV

The service was fast but also did a great job of protecting my identity. I had my contract signed sealed and delivered within 24 hours. Couldn’t have asked for a smoother process from start to finish!

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Richard Medina

March 5th, 2020 Lake Worth, FL

Perfect just Perfect! Jaime B the Loan consultant is the best there is! she help me every step of the way til the end. If you need a Loan to pay of your credit cards or any other debts FreedomPlus is the way to go they'll find a way to help get out of debt or to get a personal loan like I said Perfect!!!

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Fred B

March 5th, 2020 Cordova, TN DETAILS arrow_drop_down
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Kathi was exceptionally knowledgeable, professional, and courteous. Could not have asked for a better experience. Had I not gotten approved, i would have left the same review.

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Chad Spencer

March 5th, 2020 Chester, VA DETAILS arrow_drop_down
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Sandra M E is one of the best loan officers I have ever dealt with within my 30+ years! She is very knowledgeable and very easy to work with!

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Patrick Roberts

March 3rd, 2020 Chicago, IL DETAILS arrow_drop_down
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I feel very fortunate that FreedomPlus gave me an opportunity to consolidate my debt. My consolidated payment is lower than what I was paying to each card altogether and I'm now out of a vicious cycle of handling interest on top of my balance. My interest rate is lower than what I was paying, although not amazingly lower...it's still lower and strategically that makes a difference to me. There's no penalty to pay off my principal balance ahead of schedule, so that's advantageous in getting further ahead of the interest rate. That being said, I can rely on a low monthly payment if needed. I considered giving 3 stars because of the interest rate still being double digit, but it's personally meaningful enough to warrant at least 4 stars considering no company is obligated to assist -- it's simply their opportunity. Overall I have some breathing room, and I'm very grateful to be able to have a more manageable method to handling my debt. Had a rough patch, but many more years to work well ahead of it. The process was comfortable, and the old balances were paid in about 7 business days. Thanks again, FreedomPlus!

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Rocky E.

March 3rd, 2020 Barbourville, KY

I choose FreedomPlus from one of Credit Karma's lending list because not only were they only one of the two lending institutions offering me high approval chance of obtaining a loan but, they offered an Okay APR % rate. Yet to be confirmed but, they also said after first 6 months of making no late payments they would restructure my loan reducing the APR to below 5%. That's a Plus. One side note, they worked the loan in about 30 minutes and I was good to go. I was able to payoff a few lenders and and had some $ left over direct deposited into my bank account, the whole process was completed in about 4 days. I would use them again.

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Steve

March 3rd, 2020 Sioux Falls, SD

Easy to work with. Quick approval. Everything was explained in detail before signing agreement.

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Robert Waters

March 2nd, 2020 Berkley, MI

I had been searching for sometime hoping a good honest company would approve my debt consolidation at a fair interest rate. Freedom Plus has exceeded my expectations! Thank you Freedom Plus and staff.

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April McGee

February 26th, 2020 Springfield, IL

Made easy and don't feel stressed on getting things done on my end and on Freedom Plus end. Terrence made it easier and was very helpful and I hope he feels he does a wonderful job in what he is doing. He is polite courteous everything you need in an agent. I appreciate all he and Freedom Plus has done. Thank you very much. This is my first loan with Freedom Plus and I hope it is a good experience.

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tanji meador

February 25th, 2020 Cantonment, FL

Casey M provided top notch, professional service. This is our first time getting a loan and were very nervous and ignorant to the process. Casey answered our questions and made us comfortable and confident that we were making a good decision. This decision is huge for us and will be a game changer for us. We received the offer in the mail just a few days ago, the process from start to finish was smooth and it was a bonus to have Casey as our Loan Consultant. He is an asset to your company and I hope you appreciate him as much as we do. Thanks!

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Julie

February 21st, 2020 Minneapolis, MN DETAILS arrow_drop_down
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Was an easy loan process. Was told I would be contacted 6 months after the loan was initiated for consideration of a refinance at a lower rate. No one has contacted me.

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Melanie Jones Utler

February 21st, 2020 San Ramon, CA DETAILS arrow_drop_down
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I would highly recommend Freedom Plus for a personal loan. The process was very simple and smooth. Aleece R was my loan consultant. She provided a detail explanation as we moved through each stage of the process and maintained frequent communication with me throughout. Great experience with Freedom Plus!

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Agnes C

February 21st, 2020 Miamisburg, OH

Took less than 20 minutes for approval of my loan and less than a week to send payments to pay off debt! Very easy to work with and very polite on the phone!!

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Robin Fowler allen

February 21st, 2020 Decatur, GA

Freedom Plus is the Best. My loan agent Frania made getting my loan a breeze. I was given all the terms I requested. I will over the couse of my loan save thousands. I would recommend Freedom Plus to anyone trying to get out from underneath high interest credit card debt. Thanks Frania. Robin Allen

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Denise M

February 19th, 2020 Birmingham, AL DETAILS arrow_drop_down
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Company was extremely easy to deal with and put in my application. all questions were answered distinctly and directly.

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Mordy Tassa

February 19th, 2020 Encino, CA DETAILS arrow_drop_down
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FreedomPlus is appropriately named Best Company in processing and handling personal loans. It is not easy to find loan companies with such qualities of efficiency, integrity and honesty. Each person in the team that handled and processed my application for a loan is very professional and efficient in collecting the necessary information and data, and in processing the loan application to make a very quick and fair decision about my loan request. I highly recommend FreedomPlus to any person who is looking a personal loan.

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Ash85

February 19th, 2020 Las Vegas, NV DETAILS arrow_drop_down
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Simple, quick and easy. Jaime B was the definition of great customer service. I would not hesitate to send my friends and family her way, for their financial needs. Huge thank you to her and FreedomPlus, for a great experience.

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Eugene Weitzel

February 19th, 2020 Bossier City, LA

Helpful up until the signing of the paperwork. Had to work to hard to find out who actually loaned the money so I could monitor the account.

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Krista's Kaleidoscope

February 14th, 2020 Longview, WA DETAILS arrow_drop_down
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I have never dealt with anything financially related with such ease! Ericka R was amazing! She made me feel so comfortable and like I had known her for years! She has helped my family and I save a large chunk of money each month and I am forever grateful! This will help us get our heads above water for the first time in a long time! As a single income family this will be a huge help!! Thank you Ericka R and FreedomPlus!

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Melissa French

February 12th, 2020 Athens, TN

Fast, efficient and courteous. Customer service was excellent and the process was no problem at all.

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Chuck Jensen

February 12th, 2020 Anoka, MN DETAILS arrow_drop_down
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No brainer - it was no hassle, rate was excellent, and every month like clockwork I got an update. I'll use them again on the next one I need. It does seem they draft the $ on a variable date which is the one thing I'd change.

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Radz

February 12th, 2020 Williamstown, NJ

I found the company Freedom Plus online. Filled out my form and got a response with a call of acceptant . Being retired from the Post Office and working at Walmart part time. I still needed help on my credit card of high interest . Now I use the the card in extreme emergency. Thanks to Mr. Eric L for understanding Thanks Freedom Plus..

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Martin Nwosu

February 12th, 2020 Hyattsville, MD DETAILS arrow_drop_down
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I really appreciate your financial assistance and I want to confirm that you guys are doing a great job. I have just told someone about you and he will be contacting you very soon.

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ASJM

February 7th, 2020 Pearland, TX DETAILS arrow_drop_down
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There is nothing to like about this company. It has been a nightmare ever since I was approved for the loan. I feel like I was scammed and this company does not try and work with you when you're dealing with financial hardship. I emailed the LO that approved the loan because there was some discrepancies regarding the loan. Of course, he seemed to have amnesia. I can't wait to be done with this company for good. Discover Personal loans is a better company and they give you better options instead of no options at all. Not to mention, the interest is ridiculous. I feel as if I am spinning my wheels. Debt relief may be my next option.

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Jason Cho

February 7th, 2020 Avenel, NJ

Getting a loan was easy. The process was easy. I would highly recommend FreedomPlus because they help me able to consolidate all my debts.

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Nancy Adams

February 7th, 2020 Ashtabula, OH

They were quick, thorough, helpful. So happy to have one payment and knowing when it will have an end.

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Dean

January 29th, 2020 Meridian, ID DETAILS arrow_drop_down
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The customer service is bad. It takes up too 48 hours to get a response back for a simple question. I even tried to call but was waiting on hold for over 45 minutes.

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Jessica Sibold

January 29th, 2020 Harrisonburg, VA DETAILS arrow_drop_down
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Very helpful. Made sensible suggestions to meet my needs. Thought outside of the box and got me a way lower rate!

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Lindy Wells

January 29th, 2020 Moscow, ID DETAILS arrow_drop_down
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Fast, efficient and helpful. Very easy experience.

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Felix cisneros

January 28th, 2020 Dallas, TX

I was looking for the best loan, and interest Rates and freedom plus ..stood out I submitted my info within minutes they contacted me ..walk me thru the process..Casey loan consultant. was very helpful help me thru every step...I highly recommend freedom plus for debt consolidation..or any other loans..very happy with thier services

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Breanne Maltby

January 24th, 2020 Dallas, TX

Very helpful, patient, answered all my questions and concerns, and didn’t make me feel like I was being pushed into an agreement I wasn’t comfortable with.

starstarstarstarstar

jorge bermudez

January 24th, 2020 Sunnyvale, CA

I do want to express my gratitude to John F for walking me thru the loan process and helping with decisions along the way his professionalism and dedication to his clients showed in every step of the loan process. Thank you and well done.