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. 

Visit Site

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. See our How We Rank page for more information regarding our ranking algorithm.

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 our review moderation team.


User Reviews

Star Rating

4.6
starstarstarstarstar_half

1,878 Reviews

Review Breakdown

5 star
80%
4 star
10%
3 star
2%
2 star
2%
1 star
6%

Sentiment Criteria

Value for your money
starstarstarstarstar_half
Quality of product or service
starstarstarstarstar_half
Customer service
starstarstarstarstar_half
Company trustworthiness
starstarstarstarstar_half
search cancel
starstarstarstarstar
Wils
August 22nd, 2019 Seattle, WA DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I needed a loan very fast for a move to California and the whole process including approval happened in 3 hours.

starstarstarstarstar
Jan
August 21st, 2019 Los Angeles, CA

My rep, Paul S was very thorough and helpful throughout the whole process. It was quick and simple! I definitely recommend it :)

starstarstarstarstar
Noemi
August 21st, 2019 Killeen, TX

I’m so thankful to have merged all my accounts into one. Debt consolidation was the best decision I’ve made with the right company. Stefan A was very professional and gave me precise information to make the process easier. It was quick and easy, and even after consolidating all my bills into one, I still saved money. I will ensure to have my account with FreedomPlus in good standing, and definitely recommend to anybody that needs the help like I did today. Thank you!

starstarstarstarstar
James L Kenan
August 20th, 2019 Murrieta, CA

FREEDOM PLUS MADE THE TRANSACTION SMOOTH & EASY. REP WAS EASY TO WORK WITH.

starstarstarstarstar
Shane
August 20th, 2019 Brandon, MS DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

So far everything has been spot on with this lending company. The process was quick and smooth, and I was not harassed or bombarded with calls. The associate just gave me my options, I thought about them overnight, and we closed on the loan the next afternoon.

starstarstarstarstar
Julio
August 19th, 2019 National City, CA

Terrence was really helpful and patient walking me thru every step and answering questions I might of had. Very easy and relaxing process even when I was stressing with all my debts. I would recommend Freedom Plus to people I know = )

starstar_borderstar_borderstar_borderstar_border
Richard Rogers
August 19th, 2019 Lexington, MA DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

My bank sent back the check. Navy Federal American Express is its own card. This company should have known. I'm requesting this company to send it to me, so I can pay it. Very disappointed.

starstarstarstarstar
Nicole Estes
August 19th, 2019

Jamie B made this process so simple. In addition she took opportunities to educate us about our options and terms.

starstarstarstarstar
vincent pegnataro
August 19th, 2019 Park Ridge, NJ

I found Daniel to be very professional and extremely helpful. even though he was persistent he never pushed me into what I did not want to do. I feel that he understood my situation and helped me a great deal.

starstarstarstarstar
Tom Miller
August 19th, 2019 Towson, MD

Thank you Freedom Plus for making the loan process so easy. I was fortunate enough to work with Celeste L who was extraordinary in her knowledge, professionalism, and expertise. She guided me through the loan process with ease. I would highly recommend her and hope that you will reward her efforts. She represents Freedom Plus in a manner that would make you proud.

starstarstarstarstar
Marjorie Lawrence
August 19th, 2019 Manistee, MI DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Great loan service. Quick efficient service and very nice Customer Service.

starstarstarstarstar
Debbie L
August 16th, 2019 Fort Myers Beach, FL

Freedom is an appropriate name!!! My high interest credit cards are now paid off, and I have a much lower rate loan with an actual pay off date! The process couldn’t have been easier! Highly recommend!

starstarstarstarstar
Sue L
August 16th, 2019 Manhattan, IL

My experience was wonderful. I am thrilled that I eliminated my credit card balances.

starstarstarstarstar
Johnathan Wood
August 16th, 2019 Piedmont, SC DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Great experience helping me pay down some credit card debt

starstarstarstarstar
Frank L Thompson
August 16th, 2019 Warren, MI DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Daniel was great to work with everything went smooth

starstarstarstarstar
jeffrey lippiatt
August 16th, 2019 La Verne, CA

Terrence helped us get through this . He notified us if something was missing with our documents and called us when he said he would. Most companies force you to go with them , but not freedom . We could have backed out at anytime but we felt this was a good company to use . Will tell friends and family to use Freedom Plus .

starstarstarstarstar_border
Leonard J.(Lenny) Kulwicki
August 16th, 2019 Pittsburgh, PA

Quick,easy, hassle free. Competitive a.p.r., honest sincere loan consultant. Stuck with me, returned all calls promptly, answered my questions effectively with accurate efficiency. Terrance C seemed genially conserned to assist me. Terrence is in my opinion an asset to his employer.

starstarstarstarstar
Jennifer Hall
August 14th, 2019 Katy, TX DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Elizabeth was amazing!! She clearly explained all of our options to make sure we had every detail to choose the best option to suit our needs. We never felt pressured or rushed into making a decision. She truly cared and was concerned about our personal needs and goals. We even experienced a death in our family during the process of working with Elizabeth. She gave us the time and space we needed while keeping us informed of what options were still available and what steps we needed to take to secure our loan. Elizabeth went above and beyond to ensure we had an amazing experience and chose the option that worked best for us.

starstarstarstarstar
Annie
August 14th, 2019 Clovis, CA

Great experience! Everything was through email and very efficient!

starstarstarstarstar
Susan Gunther
August 13th, 2019 Ormond Beach, FL

Wonderful ,explaining over the phone interest rate,different opinions spoke clearly,one employee over the phone to work with .everything I was told happened.thank you

starstarstarstarstar
Joey D
August 13th, 2019 Mount Laurel, NJ DETAILS
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Holli K was an amazing communicator throughout the application process. She handled everything like a true professional.

starstarstarstarstar
Robin
August 13th, 2019

You made my experience wonderful and easy to obtain.

starstarstarstarstar
Pamela C. Wright
August 13th, 2019 Vero Beach, FL

My experience was very pleasant. Staff was professional and courteous. Follow up was timely and the response time to questions is unmatched by any experiences I have had to date. I recommend anyone seeking a loan whether personal, debt consolidation, home improvement or a major expense to entrust the services of Freedom Plus. Prompt, accurate and reliable service!

starstarstarstarstar
Larry Palmateer
August 13th, 2019 Bourbonnais, IL

5 star with my dealings with you ,things went very quickly in a very professional manner i will recomend you to all who can use some extra money for other bills home improvements etc If something else comes up i will contact for sure Again thanks Larry Palmateer

starstarstarstarstar_border
lemuel russell jr
August 13th, 2019 Sandborn, IN

It was fast an easy to get a loan, thanks to freedomplus

starstarstarstarstar_border
Vernon B.
August 13th, 2019 Mission Hills, CA

Daniel G. was very knowledgeable about the loan process and what was needed to make sure it was a smooth transaction. From the time we finally connected to the disbursement of funds, he walked me through my loan documents, when payments are due, explained the APR. Overall, I have had a positive experience and the customer service has been phenomenal.

starstarstarstarstar
Kimberley C Green-Martinez
August 13th, 2019 Milton, MA

Great company with whom to work. Jonathan went an extra mile to be solutions oriented. I'm looking forward to a long term relationship with FreedomPlus.

starstarstarstarstar
Maria Pangelina
August 11th, 2019 San Jose, CA DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

My loan was just approved and funds disbursed. My experience with the loan consultant I worked with, Sarah T, was wonderful. She was super helpful and prompt in processing all my information to get approval.

starstarstarstarstar
Howard Schultz
August 11th, 2019 Grand Prairie, TX DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

you are a financial tool for me to consolidate my debt as needed to do. I called and got my first loan redone for more years to pay it off. At a lesser cost per month as was. Thank you, your team is great, talking to others, that helped me decide what was best to do to lower my monthly debt. Ofcoarse there is a cost, that is to be expected, bottom line I got my monthly payment lowered as was needed to be done for my wife and I And to do monthly withdrawal is best for us to do to not worry about payments to be made Howard Schultz

starstarstarstarstar
Alex Adams
August 11th, 2019 Tempe, AZ DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Elizabeth S went above and beyond with her kindness, availability, and overall performance with her assistance in obtaining the Freedom Plus loan on my behalf. She is extremely personable and professional. I will recommend Freedom Plus loans not only because it is an amazing product that Freedom Debt Relief offers, but also due to the excellent customer service experience I received when speaking with / dealing with Ms. S. Every one of your agents should be a clone of her!! Aside from Ms. S. this loan has saved my life from severe panic attacks about my overwhelming debt.

starstarstarstarstar
Villa Milanes
August 11th, 2019 Union City, CA

Very professional & very good customer service.

starstarstarstarstar
Brionna F Williams
August 11th, 2019 Spokane, WA

Johnathan walked me through everything, pretty much held my hand and educated me on how it all works and even advised me for future references. Customer service has sent me a couple E-mails checking on me, seeing if i have any questions or concerns which is very reassuring.

starstarstarstarstar
Shailyn
August 8th, 2019 Baton Rouge, LA

FreedomPlus made getting a consolidation loan a seamless process. Their agent walked me through the entire process. The process was easy and only took a few steps and the customer service was extraordinary! I would recommend them to everyone!

starstarstarstarstar
Donna Knott
August 8th, 2019 Altamonte Springs, FL

My application was prompt, very efficient and extremely polite and couteous.

starstarstarstarstar
Jacob Sabo
August 8th, 2019 Satsuma, AL

Overall I thought y'all did a great job processing and getting it through quick. The only complaint is the constant calling. Y'all have to remember it is a big decision and some people need time and not to be hounded. Maybe instead of calling emailing would be a preference.

starstarstarstar_borderstar_border
MJ
August 6th, 2019 Albuquerque, NM DETAILS
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

Appreciate the overall service but getting ahold of somebody and getting a timely response is near impossible. We had one credit card company take us to court saying we still owed them when Freedom debt helped negotiate a settlement year’s ago. Trying to get them to help us respond to this court filing was disappointing.

starstarstarstarstar_border
DeWanda Kropp
August 6th, 2019 Biloxi, MS

My experience was good staff was helpful and professional.

starstarstarstarstar
J. Alvarado
August 6th, 2019 Apple Valley, CA DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

quick and simple process, low simple interest rates, and automatic payments make it easy.

starstarstarstarstar
Vivian J Sammons
August 5th, 2019 Panama City, FL

Very professional experience. Very easy unstressful process.

starstarstarstarstar
Doug Fields
August 5th, 2019 Sharpsburg, GA

Highly professional, extremely knowledgeable, and excellent customer service!!!!

starstarstarstarstar
Heike
August 5th, 2019 Spokane, WA

Very professional help and provide you with quick service.

starstarstarstarstar_border
Sean Robinson
August 2nd, 2019 Louisa, VA

I can only go by the beginning stages since i havent even made my first payment but can say they are fast at getting what you need and paying the debts you needed paid off. My only draw back would with the APR. Stated it would be 16.2 but after not paying close attention after i signed everything it was actually 19.2. A little devious but still happy since the loans they paid off were much higher.

starstarstarstarstar
Ken G
August 2nd, 2019 Raleigh, NC

I’m glad I decided to go with Freedom Plus. Erwin , the person I spoke with was very professional and kind. He helped me through the whole process with ease. Thanks Erwin. I also received my money in 3 business days. Fast and easy. Look forward to being a continuing customer.

starstarstarstarstar
Lindsey Wenger
August 2nd, 2019 Flagstaff, AZ

Very helpful staff throughout the process. Quick speedy process. Payment was delivered fast as promised.

starstarstarstarstar
Steven Grever
August 1st, 2019 Cibolo, TX

Amanda was incredibly knowledgeable, patient, and extremely easy to work with. She helped us get the right loan with the right terms too. Thanks Amanda!

starstarstarstarstar
Joy G Mitchell
August 1st, 2019 Bowie, MD

This was a very efficient process - my representative, Elizabeth, was very detailed and informative through out the entire process. I really appreciate that...

starstarstarstarstar
Charles
August 1st, 2019 Laurel, MD

The process was simple and fast. The loan service consultant was extremely professional and helpful throughout.

starstarstarstarstar
Don Jenkins
July 31st, 2019 Semmes, AL DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Freedom Plus has been exceptional to deal with. I am so pleased with the service. A flat rate that is automatically deducted from my checking account and I don’t have to worry about it . I will never borrow money from anyone else but Freedom Plus. I highly recommend them to anyone looking for help with getting their finances back on track.

history
starstarstarstarstar
Desjanae Jones
July 31st, 2019 Tolleson, AZ

Great customer service. Gave me all the information I requested, worked with me on the payment and range I needed. Couldn't ask for anything more

starstarstarstarstar
Jed and Brandy Ritter
July 31st, 2019 Corpus Christi, TX DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Ronald w was very helpful aaannnd intensive along the process. He got us what we were looking for and a great plan! If every one ritterjed the way he does people shouldn't be so nervous about the hassle they have to deal with as that's not the case at all working with Ronald. Best experience we've had was working with Ronald W! Highly recommend adding directly for him