error This company may not service all states.

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, unsecured 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.

Jump down to FreedomPlus reviews to see what consumers have to say about this lender.

 

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FreedomPlus Highlights:

  • Over 3/4ths of all the FreedomPlus reviews are five-star
  • A FreedomPlus personal loan extends up to $40,000
  • No pre-payment fees and flexible loan terms ranging from 2-5 years
  • One of the lowest credit score requirements in comparison to other personal loan companies
  • Unique services to help with credit card debt consolidation
  • Charges an origination fee between 0-4.99%
  • APR rate range from 7.99%–29.99% (As of January 2020)

The Good

  • Simple Loan Application Process
  • Same-Day Lending Decisions
  • Low Minimum Credit Score Requirement
  • Flexible Loan Terms
  • Fixed Rate Loans and Payments
  • Debt Consolidation Loans
  • No Prepayment Penalty Fee
  • Quality Customer Service
  • Customer Reviews

Simple Loan Application Process

FreedomPlus's intuitive initial online application takes only a few minutes to complete. 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 disperse money into your bank account in as little as three days. Your loan repayment term can range from 24 months to 60 months, with rates from 7.99 percent to 29.99 percent APR.

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, time of application submission, etc. With error free applications you can expect the FreedomPlus loan process to be completed in as little as one day with funds made available within 48 hours. The process involves:

  • Filling out the online application
  • Deciding on your loan amount and loan term
  • Waiting for a credit decision to be made
  • Uploading legal documentation and reviewing the loan contract
  • Receiving your personal loan funds

Low Minimum Credit Score Requirement

If your credit history is less than perfect, FreedomPlus might be a good match. Unlike many competing lenders, FreedomPlus has a low minimum credit score requirement of 620, a below average FICO score for American consumers.

When it comes to personal loans, a higher credit score means that you can receive better rates and repayment terms, but a lower credit score requirement allows for a wider range of borrowers to be eligible to apply. 

Minimum credit score 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

Flexible Loan Terms

FreedomPlus has flexible loan terms ranging from 24 to 60 months (2 to 5 years). 

A borrower can pay off loans earlier than the loan due date without penalty, so your loan repayment period 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.

Fixed Rate Loans and Payments

FreedomPlus has fixed rates, so your APR will never be subject to change, as it would with a variable rate. This can provide peace of mind and stability to borrowers because they will know in the beginning what their rates and monthly payment will be throughout the lifespan of their loan. 

Debt Consolidation Loans

If you are looking for a personal loan for debt relief, it is 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 this debt from your debt-to-income ratio and pay off the credit card once you are approved. You would then be responsible to pay off your FreedomPlus loan which will likely have better rates and terms, saving you more money in the long run.

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

No Prepayment Penalty Fee

FreedomPlus does not penalize borrowers with a prepayment fee if they wish to pay off their loan earlier than the end of their loan term. This can allow you to save money on interest, in addition to shortening the amount of time that you would be making payments on your loan.

Quality Customer Service

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

When you start your application, the company offers a simple and easy-to-use form to start your loan process online, and allows you to call and speak with loan consultants and experts with any questions. User reviews indicate these interactions are extremely valuable for potential customers, and are generally positive experiences.

Customer service also handles complaints and there is little to no wait time.

Customer Reviews

FreedomPlus loan reviews outline 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 and reliable choice for their personal loan needs.

The Bad

  • Origination and Late Fee
  • Maximum Personal Loan Amount

Origination and Late Fee

FreedomPlus charges an origination fee between 1 percent and 4.99 percent on its personal loans. While a fee like this isn't necessarily large for the industry, some industry leaders omit such processing fees from their loan applications altogether.

It is unclear how FreedomPlus calculates its origination fees. On its website it states that, "origination fees are calculated on the final loan size and vary based on the interest rate and term selected." Make sure to talk with a representative at FreedomPlus so that you have a better idea of what this fee may look like for you.

In addition, FreedomPlus charges a $15 late fee for any late payments.

Maximum Personal Loan Amount

FreedomPlus has a maximum personal loan amount of $40,000 with a minimum loan amount of $7,500. This maximum amount is the average for the industry, but there are some lenders that offer much larger maximum amounts, up to $100,000. Thus, a FreedomPlus personal loan may not be the best choice for you if you need a larger loan.

The Bottom Line

FreedomPlus personal loans are unsecured, requiring no collateral, and accept credit scores starting at 620, lower than many other companies in the industry, presenting a good option for those who may not have excellent credit. However, you will be more likely to receive a lower interest rate the higher your credit score. 

Loan amounts range from $7,500 to $40,000 with competitive interest rates, and loan terms ranging from two to five years, allowing the borrower to tailor their repayment plan to their specific needs. 

It is important to note that FreedomPlus does charge a loan origination fee, as well as a late fee, but there are no prepayment fees, allowing you to pay off your loan faster if preferred.

If you're looking for a debt consolidation loan, FreedomPlus is a great option. It will send borrowed money directly to your creditor, which puts a large percentage of your loan toward direct payment to those creditors, helping you pay down your existing debt quickly and successfully.

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.

Whether you're wanting to consolidate debt, cover home repairs, fund other expenses, or whatever your loan purpose may be, FreedomPlus is a quality personal loan provider.

*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.

User Reviews

Star Rating

4.6
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2,118 Reviews

Review Breakdown

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Brent Warren

February 5th, 2021 , DETAILS arrow_drop_down
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In the last year my income is less that half of what I was previously making. A freedom rep mentioned they could lower my monthly payment and I agreed it was a good idea and chose to apply for the lower rate. I was given x number of business days to complete the application. I completed it on the last day but the rep closed my case preemptively and rejected me. They realized they made a mistake and took extra time to walk me through the process a second time. This time, I submitted everything needed on the same day. They denied me stating "You did not send us what we asked for." I replied asking what I missed but they have ignored all of my emails for the last 3 months.

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Jackie Strickland

February 1st, 2021 Atlanta, GA

Dan R, my loan consultant, is wonderful. He's really great at explaining everything so that you can easily understand. He also made suggestions and recommendation out of caring for our financial well being. He also addressed every question and concern that I had, and made the loan application a positive and anxiety-free experience.

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Anthony buttacavoli

January 29th, 2021 Manahawkin, NJ DETAILS arrow_drop_down
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I had a great experience with dealing with Dan made everything go fast easy and smooth 2 days 5 phone conservations had my loan I highly recommend him and the company he works for great experience great service what it’s all about thanks again Dan you are great at your job

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Douglas Meeks

January 21st, 2021 Huntsville, AL DETAILS arrow_drop_down
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The process was fast but they made me feel like they did not trust me since THEY would pay my loan/credit card off, not me (as other competitors sent me the money). The rates were slightly higher and as far as I am concerned any financial entity that cannot be reached through Quicken is second class. ALL first class lending institutions can be managed through Quicken but not these guys.

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Patricia Lynette Lambert

January 18th, 2021 Tulsa, OK

The Loan Consultant, Amada A, was very helpful and helped make the process easy!

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lisa mouney

January 15th, 2021 Belle Chasse, LA DETAILS arrow_drop_down
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I have been with this company a while now and have been treated well. what i am upset about is when I made the deal with your representive I was told 6 months of payment i would be able to lower my interest rate. When I called to do that I was told i would have to go through the whole application process over. I was not told that, this I find dishonest of the company, now the interest rate is much lower and I am paying a very high interest rate with this company. So now I have to find another company because i am not going with freedom plus if they were not honest in the first place. I do not recommend this company because they are not truthfull. Lisa Mouney

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Velinzala Wallace

December 29th, 2020 Barberton, OH

I enjoyed the thorough information I recieved from Ms. Arkell. Her knowledge helped me make an informed decision for my finances. Thank you!!

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Margaret

December 22nd, 2020 Riverview, FL

Dan provided excellent customer service, making the process quick and enjoyable, thanks!

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Jennifer Peak

December 20th, 2020 , DETAILS arrow_drop_down
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Horrible customer service. Refused to work with me when I lost my job due to covid. Would not defer payments.

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Annette Suh

December 19th, 2020 ,

Great experience, great guy! Got a better interest rate than expected.

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Clyde Rynders

December 8th, 2020 Hot Springs, AR

Amanda A was amazing at her job and Knowledge took me threw step by step thanks so much

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Toni-Ann Mistretta

December 5th, 2020 Houston, TX DETAILS arrow_drop_down
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Loan service is good but the app & web page SUCK!!! I have had constant trouble logging on even after resetting password, resetting account conpletely. Over a year now.

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Cameron Putegnat

December 5th, 2020 Lakeland, FL

Amanda was excellent. Couldn’t have asked for a better sales person. However, I think the underwriting dept asked for an unusual amount of information for such an obvious good risk. Thank you Amanda

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Contact Equal.fm

December 1st, 2020 River Forest, IL DETAILS arrow_drop_down
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I was effected by the pandemic and FreedomPlus allowed me one deferment but after things did not get better they decided to aggressively go after me rather than understand that a lot of Americans are having a hard time right now. They called me 10 times a day demanding their money instead of working with me.

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Gwendolyn Brasselmon

November 28th, 2020 Florissant, MO DETAILS arrow_drop_down
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Overall I have been pleased with service. It would be nice to get a email confirmation when I make payments online.

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Daniel xDeClark

November 20th, 2020 Hudsonville, MI

We cannot say enough good things about Daniel is very professional and kind!! Daniel spent so much time with me on my cellphone I can not thank Daniel enough!! So very kind and patience!! Have wonderful Holidays 😊 Stay safe and again THANKS Dan and Mary DeClark

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Brandon Nguyen

November 19th, 2020 Seattle, WA

Amanda A was very professional and helpful throughout the whole process. Her knowledge and personality make this a great experience.

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Jamie

November 13th, 2020 Spring, TX

Quick approval and excellent customer service

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Samantha Ghrist

November 5th, 2020 Columbus, OH

This was by far the easiest and most streamlined process that we have ever encountered while applying for a loan. Amanda is extremely knowledgeable and eliminated all the stress!

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Nelly

November 5th, 2020 Marietta, GA

Dan was absolutely helpful and patient. He answered every question on everything that I needed to know.

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Kelly Tinkham

October 26th, 2020 Oklahoma City, OK

My experience was first class in every aspect. Amanda A was my loan consultant and she was very professional and thoroughly went through all the information regarding my loan. I applied on Friday and by Monday morning my loan was approved. I highly recommend.

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Rod Doss

October 20th, 2020 Pittsburgh, PA

Amanda A was a pleasure to work with. She was courteous, professional and provided complete answers to my questions.

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Jeff Steinbruckner

October 12th, 2020 Minneapolis, MN DETAILS arrow_drop_down
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I dislike the web site to view my account ! Always tells me my username password and or email is incorrect 😤

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Janet Burton

October 12th, 2020 Knoxville, TN DETAILS arrow_drop_down
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Amanda was really great! She answered all my questions and walked me through everything. I’m very pleased with her service!

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Bev

October 8th, 2020 Allegan, MI

I have called twice and want to reduce my interest rate. Both times I was told that it was not a good time to do that. No happy

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WReed

October 6th, 2020 Denton, TX

Amanda was very professional and willing to answer all of our questions. Thanks Amanda!

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Amanda Frew

September 25th, 2020 Atlanta, GA

We have been very happy with how caring and quickly they were able to help us!

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William

September 16th, 2020 Hoover, AL

Amanda took time to listen and explore the best option for my family. It was as if I was speaking to a friend who was genuinely concerned and wanted what was best for us!

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Maggie Dominick

September 9th, 2020 Latrobe, PA

They reached out to us, even though we did not think we qualified for a loan that suited us in a way that actually helped us.

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Jeremy Emery

July 15th, 2020 Fort Mill, SC DETAILS arrow_drop_down
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The salesman flat out lied during the application process. When I found out about it, I called customer service and the agent listened to the phone call and agreed he lied. She seemed amused that he lied and said well you can pay off the loan, but I can't help you. I would never work with this company again.

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CLINE Courter

June 29th, 2020 Spring Hill, FL DETAILS arrow_drop_down
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I received a fairly decent deal on a loan. I was told by Alex that after 6 months of on-time payments they would lower my interest rates. I've called Alex about 10 times and he has yet to return my calls!

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Marvin Borntrager

June 8th, 2020 Clermont, FL

Dan was a great guy to work with Very professional and new is stuff

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Ash Z.

June 3rd, 2020 Jersey City, NJ DETAILS arrow_drop_down
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Very poor customer service.Even after refinancing Freedom mortgage continues to charge full previous mortgage amount and not able process refund.Still not able to get in touch with any supervisor to speak to and agent disconnect my call.

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adam owens

May 28th, 2020 Sacramento, CA DETAILS arrow_drop_down
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horrible online login. You must keep your username written down and can't see bills without it. I can't reset or find anywhere that contains my login. Now i can't access my account or see my statements.

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Dylan Autera

May 21st, 2020 Peachtree City, GA

Extra friendly and helpful, great guy to do business with!

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Larry Placido

May 19th, 2020 San Francisco, CA DETAILS arrow_drop_down
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Being as one that wants to consolidate bills these days, I took a chance with FreedomPlus. I really didn't know what to expect as I wasn't too familiar with the company. No matter how many reviews (good or bad), you will always find someone that had the opposite experience. I must say that I had looked into many options and for me, this one was the one. First off, the online application and the subsequent review of my financial state went amazingly fast. The application was easy to fill out and understand. Even though I have only had my loan for a few months now, everything is good... I'll update this as more time passes.

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Thi Truong

May 5th, 2020 Gilbert, AZ DETAILS arrow_drop_down
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I would not recommend doing business with this organization due to their lack of support, transparency and terrible customer service. Overall bad company, would not give them any future business or recommendations.

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David Evans

May 5th, 2020 Palm City, FL

Worked the problems out with a calming manner. Great salesman. Good job

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heather kaiser

May 5th, 2020 Spokane, WA DETAILS arrow_drop_down
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Worst customer service ever!! They pull you in with a nice, knowledgeable agent who promises great things, then you are on your own from there. I never got an actual answer to any of my emails only 'it looks like you called and resolved your answer' even though i did not and emailed back that i did not and still got the same canned response EVERY time.. The people i called and spoke to were rude and short with me and made it seem like i was at fault when i wasnt. Rude, unprofessional, unresponsive customer service! If i could, id give it all back and forget this crappy company!

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TCG

May 4th, 2020 Plano, TX DETAILS arrow_drop_down
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Until now, I would have rated FreedomPlus a good company to do business with. I lost my job due to the Covid-19 pandemic and contacted customer support asking for help. I needed some sort of deferral, like all other financial companies willingly assisted me with. The representative I spoke with at FreedomPlus was condescending and rude. His comment was "why should we give you a deferral if you have no way to pay?" His advice was for me to call back once and if I got unemployment set-up and they might consider a plan. My payment history had been flawless and I did not deserve this treatment. I'm experiencing much hardship, at no cause of my own and this added to my hardship and made me feel even worse than I already did. I needed help in March or April during the shock of losing a job. I thought I was dong the right thing by initiating the contact to let them know and ask for help.

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EM

April 29th, 2020 Albuquerque, NM DETAILS arrow_drop_down
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If I could rate a zero I would. I had a high interest loan to begin with. I was solicited by one the Freedom Plus representatives to refinance my loan. I took awhile to decide and finally called back during COVID times to refinance to a lower interest rate. I was told my payment would be taken out the following month. Come to find out the loan consultant mis- calculated and I had to them pay an additional payment. I wish I would have gone with no loan. I was trying to consolidate debt initially. Now my interest rate is still high after refinance, not to mention the 900+ dollars in fees the company tacked on and did not tell me about, Do not go with this company. There are hidden fees and the representatives are just trying to sell a loan. They don’t care about their customers.If you felt stressed prior to seeking out Freedom Financial, warning do not give them you business.

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Barbara Robinson

April 26th, 2020 Oakland, CA DETAILS arrow_drop_down
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The worse company I have ever decided to work with. With their promises and their pitching how they could help me with my debt, I feel like a fool for ever taking them on their word. Should have looked them up first online and checked their ratings. They have been sued multiple times and have a lawsuit in progress for misleading their customers and fraud. I ended up paying them over $3,000.00, ruined my credit score, and what did they do for me? I ended up owing the same amount of debt minus my $3,000.00. They are dishonest and lie about what they tell you. Then they connect you with their consolidation loan program and they charged me 23%. I would never work with this company and advise going through consumer credit counseling. I still have issues with their lousy web site where you make payments and can't connect with a real person that knows what to do. I have spent over a month trying to sign into my account and every thing that they asked me to do was tried and not worked. PLEASE DON'T BE STUPID LIKE ME!! If you do just a little research, you'll discover their legal issues and defrauding their clients. It's too late for me and I am well educated.

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Douglas C Meeks

April 20th, 2020 DETAILS arrow_drop_down
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The approval process was about average, nothing outstanding, the fact that THEY pay off your cards/loans/etc instead of giving you the money and letting you do it might be good business but left a bad taste for me since none of their competitors do it. The WORST thing is a company this large and no Quicken support so 3 Stars is about as good as I can give it. Add that to the upfront fees payment and 3 Stars is a high mark

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Theodore Patterson

April 17th, 2020 Sayreville, NJ DETAILS arrow_drop_down
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I was solicited for a consolidation loan. I was told that my % would be much less than the % I was paying on the Credit Cards I was consolidating. The loan was easy to get, The company is easy to deal with, and the consolidation did help a bit. However I was paying between 19 & 24 % on the credit cards and I am now paying 19+ % on this loan. NOT exactly a game changer

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Maria

April 14th, 2020 Atlanta, GA DETAILS arrow_drop_down
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The application and approval process was a breeze for me with Freedom Plus Loan. Brian B my loan officer was very customer service friendly, very knowledgeable and patient with me. I would recommend Freedom Plus to all my family and friends. Thanks Freedom Plus for making it very simple for me. Sincerely - Maria White

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Susan Yedwab

April 14th, 2020 Tuckerton, NJ DETAILS arrow_drop_down
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This company is really terrible. I was told my loan would be complete in about 3 or 4 business days, but it was closer to 7. I told them I did not want the loan if it took that long. So I proceeded under false pretenses. Then, I had direct debit payments, but they debited my payment even before the due date, putting my account in danger of being overdrawn when other payments were presented to my bank at the same time. In addition, if your payment is not made on the exact due date, they report it to the credit bureaus so it looks like you are increasing your amount of debt. Your payment is not credited on the same day that it is made on the website. This makes no sense since they supposedly give you a grace period to make your payment. I cannot recommend them at all.

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Peter S.

April 9th, 2020 Long Branch, NJ DETAILS arrow_drop_down
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The original loan was very smoothly processed but at a very high rate. The client originator repeatedly told me that after two on time payments, the loan could be renegotiated at a lower rate. After two years of on time payments, I inquired about renegotiating at a lower rate (the prime lending rate has dropped 200 basis points in this time frame). I was informed their rates were not tied to any measurable benchmark and any savings would be lost to origination fees. This was particularly surprising since two weeks prior, one of their CSRs was the person whop suggested refinancing to me.

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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 1st, 2020 Nashua, NH

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

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Gary Harrell

April 1st, 2020 Arlington Heights, IL DETAILS arrow_drop_down
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They are crooked and thief's I would NEVER recommend or do business with them took a loan out for 15,000 3 years ago .I pay every month I'm now down to 3,000.I run a business so I normally pay 2-3 times a month based on the week.The last 6 months CONSTANTLY the same the last payment so there is no late fee I'm locked out and cant pay then I reach out and NO HELP No ASSISTANCE I'm trying to give them money and they are trying to sabotage to get a late fee DO NOT CONSIDER .There is a company I use called prosper 200% better these guys are crooks

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