Since its founding in 2002, FreedomPlus has aimed to create a unique and valuable personal loan experience for its customers. The company can consistently do this through providing quality loans that meet individual needs through their sophisticated yet simple application and vetting process. FreedomPlus is also able to provide professional advice through knowledgeable loan officers and experts.

Rank Chart
APR Range
Chances for Approval*
Our Score
#1
4.99–14.49%
9.0
#2
5.99-29.99%
8.4
#3
7.93-29.99%
8.3

The Good

Quality Customer Service

FreedomPlus provides quality customer service to their customers primarily through their loan officers. The customer service and loan officers help you make the best financial decisions while balancing your personal loan needs. The company offers a simple and easy to use form to start your loan process online and allows you to call as you start your application with any questions. Friendly and knowledgeable personal loan officers and experts are able to assist you throughout your application. Our user reviews indicate these interactions to be extremely valuable for potential customers. The wait time to reach a customer service representative is typically little to none.

Simple Application Process

Receiving your loan as fast as possible is a highly desired feature for most if not all borrowers. FreedomPlus’ 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, what state you live in, then your name and phone number/email address. From there, a loan officer will get in touch with you to complete the transaction. FreedomPlus has extremely fast approval and funding times. They can usually approve your loan and get the money in your hands within 1-2 days.

FreedomPlus Works on Your Behalf

A feature that sets FreedomPlus apart from the competition is that they work 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 pay a simple process.

The Bad

Poor Online Transparency

FreedomPlus’ website is simple, but unfortunately doesn’t quite give you all the information potential borrowers might be looking for. basic information including ranges for loan rates, an overview of their process, and what their company stands for are all included on the side. But when you’re signing a contract with a company, you want to know everything there is to know about them and the potential deal you are agreeing to.

Origination Fees

FreedomPlus charges between 1.38% and 5% 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.

Want to know which personal loan company is top rated? Click Here

The Bottom Line

The most important factor to consider with a personal loan agency is whether its 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? The nice thing about FreedomPlus is its wide parameters for interest rates and a decent maximum loan amount and quick approval time. FreedomPlus is a great option if you are considering a personal loan.

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*Chances for Approval: Star rating is determined by evaluating APR Range, Minimum Credit Score Requirement, Max Loan Length, and other related approval data.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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361 FreedomPlus Reviews

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  1. User Score

    2

    April 25th, 2017 Carthage, NC

    Been 12 days and customer support has not responded to my double payment issue. Is the email box even monitored?

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  2. User Score

    9

    April 24th, 2017 Goodlettsville, TN

    Dajuan had excellent communication and was attentive to my concerns. My credit is excellent and I’ve done this before, so that helped with the fluidity of the transaction.

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  3. User Score

    10

    April 20th, 2017

    Outstanding professionalism from Daquan and Carolyn.

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  4. User Score

    0

    April 20th, 2017 Winter Garden, FL

    I was just informed by a customer service rep, that

    “There is a $15 processing fee for all payments made from your bank. We unfortunately do not participate in bill-pay.”

    I think it’s absurd that you are going to charge me to give you money. I realize that I can go online to make an extra payment, but the beauty of bill-pay is that I can set up a reoccurring payment and not have to worry about logging into your website every time and entering in all the information every time. I’m shocked that it’s the year 2017 and Freedom Plus “unfortunately doesn’t participate in bill-pay” …..seriously…..

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  5. User Score

    10

    April 20th, 2017 Atlanta, GA

    I was amazed at the speed and quality of the customer service. Doris M was very friendly, helpful, knowledgeable and thorough. She found the best plan for me and the loan was processed in under two hours. I will definitely highly recommend this company to all. Thanks for a pleasant experience!

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  6. User Score

    10

    April 19th, 2017

    A good experience first time doing a loan on line so was nervous. The man working with me was extremely friendly and helpful.

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  7. User Score

    10

    April 18th, 2017 Edited

    The fastest loan application, within three hours loan documents were completed. Funds was deposited to our account within 72 hours. Steven Doerge was very helpful and very nice. He made it possible and on time for our financial needs as promised.
    Your company is highly recommended to friends and family.
    We appreciate your great service!

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  8. User Score

    10

    April 18th, 2017

    Kathi Ferrari, who helped me with my consolidation loan, literally made me cry tears of joy as she shared my options. She was kind, attentive to my needs and quickly provided resolution. Kathi did an amazing job in getting my loan approved and all paperwork completed within hours on the same day to prepare the funding. Please tell her thank you.

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  9. User Score

    10

    April 14th, 2017

    I needed a small loan to pay off some credit cards with high interest rates. I applied with freedom with no problem. The process was simple and painless. Thx

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    1

  10. User Score

    6

    April 13th, 2017 Atlanta, GA

    The actual processing of the loan was quick and easy. My issue however is the disbursement of funds is below par. I have used other companies in the past and their disbursement was a lot quicker.

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  11. User Score

    10

    April 12th, 2017

    Very prompt, informative, thorough and professional. Answered all questions graciously. Was a very good first time experience with your company.

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  12. User Score

    1

    April 10th, 2017

    I took out a 10,000 dollar loan in August 2016. Really it was 9500 and they took 500 for a loan fee. I made my payments thur autopay. So by February2017 i paid $2,250, and i still owed 9,300 so . i call to get the payoff amount and asked if i payed it off would you still take out my auto payment. They said no sir we will not as long as you pay it by this day, so i payed it off by that day and budget my other bills around having that extra 330 dollars, so they took my payment anyways. I called up to complain and the customer service person stated they refuned my money and i should have it in 2 to 3 bussiness days…. Well its been 9 days and i called back up and they said you will get it by the 14th. It takes 2 weeks… Now i have 3 late fees from other bills because of this. And they are collecting more interest off of my money.

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  13. User Score

    2

    April 8th, 2017

    I have my passwords and questions saved and yet, the site does not recognize it. I looked for support and there is NO SUPPORT AVAILABLE saturday or sunday. I found that a very poor business decision. I’m disappointed.

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  14. User Score

    10

    April 7th, 2017

    Adam D was amazing during the entire process. He explained everything and answered every question I asked. When it came to sign the documents there was nothing I read that he did not go over. He is amazing and gave great customer service.

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  15. User Score

    9

    April 7th, 2017

    Bob S was amazing he help us through the whole process. Answered all are questions that we had and concerns. Thanks again Bob

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  16. User Score

    9

    April 5th, 2017 Austin, TX

    Excellent personal customer service!! Very reasonable rate given my credit score. I only give a 9 rather than a 10 because it would have been nice to not have to pay an origination fee, but it wasn’t exorbitant. Elizabeth S was extremely pleasant to deal with and perfectly clear about the terms and implications of the various choices, and took the time to listen carefully to my situation, and the goal I wanted to achieve, and helped ensure I received every discount I was eligible for.

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    1

  17. User Score

    0

    April 1st, 2017 Madison, WI

    I have never been contacted or given any contact information regarding my loan or the status of such with your company. I am very disappointed with the level of professionalism displayed toward me as a customer.

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    1 1

  18. User Score

    10

    March 29th, 2017

    Loretta was great in the whole process! I will definitely recomend freedom plus to my friends and family

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  19. User Score

    10

    March 24th, 2017 Toledo, OH

    They did a great job of getting me a loan and explaining everything.
    very pleased.

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  20. User Score

    7

    March 24th, 2017 Eden Prairie, MN

    The website says funds are available 48 hours is a little misleading I am past that point and still waiting. The first contract they sent me had the wrong terms on it. And the length of waiting for approval and the constant asking for more information was annoying. One list of needed info would have made this a smooth transaction. It wasn’t a horrible experience but definitely annoying. Fair at best

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    2