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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Key Takeaways:

  • 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 June 2020)

The Good

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

Simple Loan Application Process

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 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

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.

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. Considered to be bad credit or fair credit, a 620 FICO score is below average 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. 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 two to five years. A borrower can pay off loans earlier than the loan due date, 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 Loan and Payments

FreedomPlus 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 because they will know in the beginning that their rates and payments will be the same throughout the lifespan of their loan.

FreedomPlus also offers loans with an annual percentage rate from 7.99 percent to 29.99 percent APR, including the loan origination fee. On top of that, it uses fixed monthly payments, so your monthly payment amount will never fluctuate.

Debt Consolidation Loans

If you are seeking personal loans 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 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 simplify bill payments.

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 Fees

FreedomPlus does not charge a prepayment penalty fee. This means you can pay off your loan earlier, regardless of your loan term.
However, although FreedomPlus has no prepayment fees, it does charge a loan origination fee, as well as a $15 late fee for any late payments made.

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.

FreedomPlus Reviews

FreedomPlus has an exceptional star rating from consumers. Quality reviews demonstrate 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.

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The Bad

  • Origination Fees
  • Maximum Personal Loan Amount

Origination Fees

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, but they are still quite common.

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.

Maximum Personal Loan Amount

FreedomPlus has a max 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 sum of money than $40,000 to meet your needs.

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 are unsecured, requiring no collateral, and accept FICO 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-$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.

FreedomPlus is a great personal loan option. 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.

User Reviews

Star Rating

4.6
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2,103 Reviews

Review Breakdown

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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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wingnut1950

March 31st, 2020 Livonia, MI DETAILS arrow_drop_down
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Working with Serena C was great a true professional.

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Karlyn Bebout

March 31st, 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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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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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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Mary Engel

March 27th, 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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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 25th, 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 24th, 2020 Key Largo, FL

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

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Suebee

March 23rd, 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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Nancy cannon

March 20th, 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 18th, 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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Steven Washburn

March 18th, 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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Brian Tierce

March 6th, 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!