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 the lender.

The Good

  • Quality Customer Service
  • Flexible Loan Terms
  • Same-Day Loan Decisions
  • FreedomPlus Reviews
  • Simple Loan Application Process
  • FreedomPlus Credit Score Requirement
  • Fixed Payments and Rates
  • Works on Your Behalf
  • No Prepayment Fees
  • FreedomPlus Max Personal Loan Amount

Quality Customer Service

FreedomPlus provides quality customer service to its borrowers primarily through its loan consultants. The customer service and loan consultants help you make the best financial decisions while balancing your lending 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 Loan 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 process, 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, 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. Their 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

Unlike many competing lenders, FreedomPlus has a lower credit score requirement of 620. You will receive better rates the higher your credit score, but a lower credit score requirement allows for a wider range of borrowers.

Fixed Payments and Rates

FreedomPlus has fixed payments on its loan, so your monthly payment will never fluctuate. FreedomPlus also has fixed rates, so your APR will never be subject to change. 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. 

Works on Your Behalf

FreedomPlus is one of the personal loan lenders that 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 payment a simple process. You could even qualify for rate discounts if you let FreedomPlus pay your creditors on your behalf, have retirement assets, or apply with a co-borrower.

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 Fee

Origination Fees

FreedomPlus charges between 0 percent and 5 percent origination fees on its loan applications. While these fees aren'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 from potential personal loan companies is whether their loan parameters meet your borrowing needs. In other words, does the length of the loan, interest rate, and borrowing amount match what you need in a loan? FreedomPlus personal loans 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.

Disclaimer

As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. For more information on how we rank companies, click here.

All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.


User Reviews

Star Rating

4.6
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1,741 Reviews

Review Breakdown

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Vince
June 25th, 2019 Dawson, MN DETAILS
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Was fast, friendly and awsome experience!!

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Sheila Carter
June 25th, 2019 Yazoo City, MS

My experience with FreedomPlus was great. The person gave me all necessary information for the loan and the process only took a few minutes. The completion process was even quicker. I would recommend them very highly.

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Nicole
June 25th, 2019 Lancaster, SC

Liz made it an easy process. She was very knowledgeable and a pleasure to work with.

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Angie
June 25th, 2019 Gilmer, TX

They were so helpful and went the extra mile to make sure I got the loan amount I needed at the lowest rate possible. They consistently stayed in touch and made sure I knew what was going on step by step.

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carmen cedeno
June 21st, 2019 Franklin Park, IL

If there was a way to give more stars, I would have! Elisabeth S was courteous, patient and very helpful. This experience was very pleasant and it was all due to her.

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James
June 21st, 2019 Old Forge, PA

Ericka was very helpful and worked to help me achieve the goals I need to reach. I was able to understand everything hse put forward and that meant allot.

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Melia
June 21st, 2019 San Diego, CA

So far they have been amazing and so efficient in everything

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CJ
June 21st, 2019 Riverside, NJ

Mr N was my agent and he made the entire process quick and easy. He made sure I understood every aspect of the details and responded quickly to emails. This was my first time applying for a loan like this and I am so grateful that I was able to have an experienced agent who took his time to make sure every question I had was answered in detail. The beginning process was easy and once I was pre approved the company works fast to ensure you receive the money. The company also has several other discounts that assist the applicant if he/ she qualifies for.

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Samuel Aviles
June 21st, 2019 Randolph, MA

Step-by-step the procedure was all good appreciate your help and thank you to lower my interest on all my loans

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Theresa Kitchen
June 21st, 2019 Caro, MI

Adan was wonderful! He was considerate of my credit card situation and worked hard to find the best possible loan for me. It was fast, efficient and done in less than 2 days! I would recommend this company again.

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M Triggs
June 21st, 2019 North Brookfield, MA

I have no doubt as to your company’s outstanding reputation. I do wish that you would have checked the other two credit bureau sources. Finance agencies tend to take the lowest score which amps up the interest rates for the loan. Experian and trans union both have me in the 700’s other than two botched medical procedures totaling 14-1500.00 , I flat refused to pay! All my payments are paid on time and much more than the minimum! The truck, the car the house, any store accounts are cart blanch no missed or late payments - none! You get to a certain age when your Name and your Credit Rating are what matters most! I do my best at protecting both, so whereas I needed the loan and fast, you executed that swiftly. I signed for it and it’s mine! Do not expect me to be elated too! I would expect this will not be posted as a review, however I do hope the content is taken seriously!

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Susan Matevosyan
June 21st, 2019 Glendale, CA DETAILS
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After wasting my time for two weeks because their underwriting department was "busy" I got denial with no logical explanation. They verified my account with my bank twice, twice. It was like someone restarted the process there. I have never seen more idiots in my life. I would rather call tech support in India than these guys. I got approved at upstart in hours.

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Carlos Brown
June 21st, 2019 Philadelphia, PA DETAILS
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I had a wonderful experience with freedom plus excellent customer service I told him no problem and they found a way to help me manage my financial situation that fits me again I say thank you to freedom plus

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Kevin
June 21st, 2019 Richland, WA

Excellent customer service from Serena.

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Norman
June 21st, 2019 Venus, TX

I tried other ways to consolidate my debt and I was either turned down ,tagged along or given and interest rate that was unbelievable . I really had given up , but as I was putting away all my paperwork that was previously needed I heard on the radio about FreedomPlus . One phone call and I was approved that same day . Now I can breath . My debt is under control . THANKS FREEDOMPLUS !!!!!

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Brian
June 18th, 2019 Miami Beach, FL

Fast, friendly, professional! Thanks FreedomPlus!

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Larry
June 18th, 2019 Dallas, TX DETAILS
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Serena C was Excellent!!!! She took care of everything for me!!

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Brian
June 18th, 2019 Pittsfield, MA

Dealing with FreedomPlus was a true pleasure. I needed help with getting a loan to help consolidate some credit card debit and had been trying everywhere to get help. Not even my own bank would give me a loan. Even though the interest rate was a little higher to others, the representatives on the phone helped me plot out my credit recovery. I would recommend FreedomPlus to anyone looking for help with low credit score.

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Jeremy
June 18th, 2019 Ypsilanti, MI DETAILS
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Once I got in touch with my agent, everything was completely smooth sailing. My options were clarified, along with any missing prerequisite information and what to expect in the procedure. None of that was readily apparent through the online portal, so 4 stars.

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Kathy
June 18th, 2019 Anchorage, AK DETAILS
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They were exceptional and no pressure once i submitted requested info and signed documents the money was deposited within the next day. Awesome experience. Thanks FreemdomPus for making this a wonderful experience.

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Roger
June 18th, 2019 Buford, GA DETAILS
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The process of acquiring a loan thru freedom plus was made easy by the customer service representative. They walked me thru from the beginning to end to make the experience fast and easy. I able to finish the loan with in three days.

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Needed Help
June 18th, 2019 Pennsville, NJ

Amanda A- is & was excellent with helping me with my loan!!!! Thank you

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Anna M.
June 12th, 2019 Boca Raton, FL DETAILS
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Dan R was very professional, answered all my questions, stayed patient while I learned the loan process and was a great person to work with! We are very pleased with our decision to receive a loan with his help.

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Travis
June 12th, 2019 Little Rock, AR

I’ve had a great experience with FreedomPlus! I was denied by other companies for a consolidation loan and FreedomPlus helped me get back on my feet. Highly recommend!

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Heather
June 12th, 2019 West Jordan, UT DETAILS
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The woman who helped me set up my loan was knowledgeable and very helpful. However one of my payments to my credit card company was four days late for a total of fourteen days after I signed the loan. Customer service always took more than 24 hours to reply and toward the end of that time didn’t reply at all to my lady two emails.

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Rich
June 10th, 2019 Danvers, MA

Amanda was such a big help. She was very friendly, professional and explained all my options that were available. She was looking out for my best interest in helping me consolidate debt. Thank you very much Amanda

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Riki
June 10th, 2019 Sandy, UT DETAILS
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Elizabeth is the best to work with! She is timely, professional and gives me options to figure out what’s best for my needs. I love working with her! Thank you for helping me out!

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David
June 10th, 2019 Scottsdale, AZ DETAILS
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Amanda is a true professional. She did a great job of explaining my options - it was evident she knows the details of the loans you offer. Her approach in wanting to understand my objective and going through the best options lead me to finding a loan I am very pleased with.

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N.Smith
June 10th, 2019 Bowie, MD

Terrance was very helpful and insightful of this products. He was a great communicator and assisted me through a successful process. I would recommend him -anytime!

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Eric Esbitt
June 10th, 2019 Newark, DE

Erika R was a pleasure to work with and very professional

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Wade Jones
June 10th, 2019 Fort Worth, TX

Very professional in ever aspect of my experience.

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Abby
June 7th, 2019 Coweta, OK

It was fast and easy and Debbie was so helpful

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Jen Hoser
June 6th, 2019 Coatesville, PA DETAILS
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This is my first experience with FreedomPlus and it went very smoothly. Once my application was submitted it took roughly 3 days to complete, quick turn around. Celeste L, my loan consultant, was amazing. She talked me through the entire process, was very attentive and overall just very pleasant to work with. FreedomPlus will pay your creditors directly, that can take up to 10 days. However I have the confidence this will be completed without issues.

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Tony Sowa
June 6th, 2019 Milford, PA

Debbi R was fantastic very helpful and knowledge about the process excellent job on her part

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Debra Cronin
June 5th, 2019 Galesburg, MI

Celeste was excellent . She went above and beyond to help me get the loan needed. I will definitely be referring her to my family who I need could benefit from Freedom Plus, most importantly Celeste's excellent customer service. She is a keeper. Thank you Freedom Plus

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Larry beckett
June 5th, 2019 San Diego, CA DETAILS
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The company was really helpful. They gave me many options and made me feel like they really care about solving my issue. The turn around in depositing my funds was very quick and follow up calls we caring and consistent.

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Kate
June 5th, 2019 Freeport, OH

Great! So fast and efficient. Amazed at how easy the process was.

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Brandy
June 3rd, 2019 Leesburg, FL

Very prompt, professional and friendly individuals

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LWilliams
June 3rd, 2019 Philadelphia, PA

Great customer service! Freedom Plus was able to give me a good rate in regards to consolidating my debt and paid the companies in less than 10 business days.

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Cm
May 31st, 2019 North Dartmouth, MA DETAILS
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Phone call asked for rate quick credit app and 48 hours money in my account. I recommend.

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Chris from Michigan
May 31st, 2019 Saginaw, MI

Very good experience. Processed within a couple days. Very impressed. Debbie R extremely helpful, very knowledgeable and professional. Great service.

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mario
May 29th, 2019 Dickinson, TX

Great service, easy process, helpful agent that got me the loan I needed.

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David Engler
May 29th, 2019 Brecksville, OH DETAILS
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You need to temper your quick trigger on past due notices. They really piss people off.

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Shawn
May 29th, 2019 Naples, FL

Awesome customer service and would highly recommend for your loan consolidation needs.

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Roger T Nickel
May 29th, 2019 Boynton Beach, FL

Your rep told me the prosper loan would be paid off AND THAT i WOULD NOT HAVE TO MAKE THE PAYMENT THIS MONTH. tHE LOAN HAS STILL NOT FUNDED AND THEY DID TAKE THE PAYMENT YESTERDAY

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Whitney
May 29th, 2019 San Diego, CA

I had a great experience processing my loan with Freedom Plus. My Loan Consultant, Frania was extremely kind and personable, incredibly timely, did everything she could to give me the best rate possible and made the whole experience seem less and positive. I would highly recommend their products abd services.

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Will Newman
May 28th, 2019 Kyle, TX

Celeste made the entire transaction pleasant. I don't think that I could have worked with a nicer person. I want to send a huge Thank you to her.

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Anna Adams
May 24th, 2019 Waleska, GA

Application accepted quickly. Contract received quickly. Credit cards payed off/down quickly. Let me choose my due date for payments. Payments very close to what I was paying towards my credit cards but now only one payment at a very reduced finance charge. Thoroughly happy with Bharat and the whole procedure!!!

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Derek
May 23rd, 2019 Watertown, MA

I really don’t know how to explain this other than it was perfect. I was scared, nervous, and overwhelmed before I spoke with Celeste who explained EVERYTHING as crystal clear as possible, and walked me through each step. I swear if everyone in the world was that nice we would t have wars. She had the patience and knowledge needed to get me to where I needed to be! I wish I could thank her more than just a survey

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Stephen
May 23rd, 2019 Cynthiana, KY

It was a easy process . Excellent recommend to anyone