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

Rank Chart
APR Range
Max Amount
Our Score
#1
5.99-29.99%
$35,000
8.4
#2
7.93-29.99%
$35,000
8.4
#3
Undisclosed
$25,000
5.4

The Good

  • Quality Customer Service
  • Simple Application Process
  • FreedomPlus Works on Your Behalf

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. User reviews indicate these interactions are 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

FreedomPlus works 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.

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The Bad

  • Poor Online Transparency
  • Origination Fee

Poor Online Transparency

FreedomPlus’ website is simple, but unfortunately doesn’t provide 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 their site. However, 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.

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?  FreedomPlus offers wide parameters for interest rates, a decent maximum loan amount, and quick approval times. FreedomPlus is a great option if you are considering a personal loan.

*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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415 FreedomPlus Reviews

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  1. User Score

    10

    June 22nd, 2017

    Very professional customer service. Very smooth process with all of my questions answered.

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  2. User Score

    10

    June 22nd, 2017

    Ken was the loan officer I dealt with. I cannot express enough how wonderful he was. I was nervous at first because I had two loans out with lenders already and I had been thinking it would be so much easier to just pay one payment per month. I received an email today and decided to see if I could do that. Ken was so helpful. He made it so easy for me. I cannot believe how fast to get approved was. Thank you so much what wonderful customer service.

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  3. User Score

    10

    June 22nd, 2017 El Segundo, CA

    Loan representative, Nicole, was extremely courteous and helpful. Process was very easy.

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  4. User Score

    10

    June 22nd, 2017

    I filed for a loan and was accepted. Debbie was the lady who I got the loan from and Carolyn was the lady from the support customer service, both ladies were exceptionally nice and very helpful.

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  5. User Score

    10

    June 21st, 2017 Hacienda Heights, CA

    When I called FreedomPlus I was very hesitant to make a decision to process a personal loan, as this was the first time I had done this. Karie was my loan consultant over the phone, and she took the time to walk me through the process to make me feel at ease. She went over all my questions in great detail, and was very patient. Once we processed the loan, she sent me emails to follow up and called me the next day to let me know the loan paperwork was ready to sign. Karie made this process very smooth, and I felt confident that she would make sure everything was processed. I have already recommended my friend to Karie. Thank you for such good customer service Karie . It was a pleasure working with you.

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  6. User Score

    9

    June 21st, 2017

    Very direct process, easy to apply and my loan was approved very quickly.

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    1

  7. User Score

    10

    June 19th, 2017 Boston, MA

    Amanda was extremely helpful, efficient, and professional. Very pleasant to deal with. Thank you, Amanda!

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    1

  8. User Score

    10

    June 16th, 2017 Irvine, CA

    Timely, efficient service. Prompt response and clear terms.

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  9. User Score

    0

    June 15th, 2017 Marina Del Rey, CA

    This lender is not to be trusted, my credit is 714 and they promised you lower rates and lower origination fees, but they LIE. They ask to run your credit just to try to go around the bushes and increase your rate for any reason. I provided all the documents about my income and they just played LOAN SHARK! Long story short I am glad I said no and went to another lender with lower rates better monthly and less shady business.

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    4

  10. User Score

    10

    June 15th, 2017

    Very thorough in explaining. Very nice person.

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  11. User Score

    9

    June 14th, 2017 Sandersville, GA

    The Loan process was very pleasant and smooth. Customer service excellent.

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  12. User Score

    10

    June 14th, 2017 Glen Allen, VA

    Troy was very professional and extremely helpful. Process was easy, efficient and quick. I was able to get the rate I wanted to pay off high interest loans. I couldn’t have asked for a better experience. Highly recommend!

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  13. User Score

    9

    June 7th, 2017 Clemmons, NC

    Customer service is fantastic but there were a few details that arose that were unexpected/unanticipated. This is still a great company to do business with, from my experience.

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    1

  14. User Score

    10

    June 7th, 2017 Columbia, MD

    Brittany was fantastic. Very professional and prompt service. Rates are very competitive.

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    1

  15. User Score

    10

    June 7th, 2017 Danielsville, PA

    I was nervous about this, but they explained everything and made me feel good in what I was doing. They explained things well, understood my situation and put me at ease and were easy to work with.

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  16. User Score

    10

    June 7th, 2017

    I can’t express how reassuring it is to speak to someone like Heather that speaks english, knows about the product she is selling. In addition lives in the U.S. and not some other country, people like Heather will help your company grow. Everything about this loan was made very clear through Heather, she is a ALL-STAR EMPLOYEE!!

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  17. User Score

    9

    June 5th, 2017

    No pressure. Professional and prompt. Rates are very competitive.

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    1

  18. User Score

    10

    June 5th, 2017 Memphis, TN

    I just called in for help setting up my login credentials and the agent was excellent – very personable and helpful!

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  19. User Score

    8

    June 4th, 2017 Mentor, OH

    Sales representative was very good explaining the process and what would work for me.

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  20. User Score

    10

    June 2nd, 2017

    Jake R was very patient, considerate, and most of all…informative. He is most definately one of FreedomPlus’ assets !!

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