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 this lender.
FreedomPlus provides quality customer service to its borrowers primarily through its loan consultants. Customer service and loan consultants help you make the best financial decisions while balancing your financial 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.
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.
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 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 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.
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 (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 hands in as little as three days. Your loan repayment term can range from 24 months–60 months, with rates from 5.99 percent APR–29.99 percent APR.
If your credit history is less than perfect, FreedomPlus might be a good match. Unlike many competing lenders, at 620, FreedomPlus has a lower minimum credit score requirement. A 620 FICO score is below average for Americans, is considered bad credit or fair credit.
You will still receive better rates and repayment terms, the higher your credit score is, but a lower credit score requirement allows for a wider range of borrowers. Requirements of competing personal loan providers are generally higher:
FreedomPlus offers loans with an annual percentage rate from 5.99–29.99 percent, including the loan origination fee. On top of that, it uses fixed monthly payments, so your monthly payment amount will never fluctuate. FreedomPlus also 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 knowing the numbers they receive in the beginning will be the same throughout the lifespan of their loan.
If you are seeking personal loans for debt relief, its 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 make bill payments simple.
You could even qualify for rate discounts if you let FreedomPlus pay your creditors on your behalf, have retirement assets, or apply with a cosigner.
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 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.
FreedomPlus charges an origination fee between 0 percent and 5 percent on its personal loans. While a fee like this isn't necessarily exorbitant for the industry, some industry leaders omit such processing fees from their loan applications altogether, but they are still quite common.
Patricia C Bruce
I liked the fact the LO worked with me to get answers about a credit issue. I was told I could check back in 3 months and refinance for a lower rate. I contacted your company and was told I could not get a lower rate. My scores have gone up and I don't have a ton of outstanding debt. Ive made all payments on time using auto draft and don't understand why the rate cannot be lowered.
Terrence C, was very patient and informative throughout the whole process. He was knowledgeable of the loan options and worked with me to find the Best option for my situation. Thanks again Terrence, we appreciate you. Sincerely, Mr. & Mrs. Tomas
Rashelle B Lee
Thank you for your assistance! We really appreciate Aleece and her seamless customer service skills. She has been prompt, courteous and a pleasure to work with!
I had an amazing experience. I was very intimidated getting a loan for the first time. I was worried about being scammed or taken advantage of not knowing much about the process. Terrance C our agent, was absolutely wonderful. He was informative and down to earth. He worked with us on everything, I will be able to sleep so much better at night knowing we will be able to pay off all of our credit cards with our loan, and have a reasonable monthly payment. Thank you so much!
The issues I have is the website log in. When I go to log in, it never recognizes my password or ID. They give you and email option, the email never arrives and I then have to call and verify everything. They always have the correct info, so why go through every time?
The agent was very understanding and cooperative with me about achieving my financial goals.
Absolutely loved how simple each step was laid out. After filling out the info online, even though it was a very late hour when I initially sent the request, I a got super quick and very early response. The result was awesomely efficient and quick! So impressed that no lien was required! I know where I'll go when it's time to tackle my next debt mountain. So grateful and thankful!
Ericka R assisted me during this process. She was extremely helpful throughout the process by answering all of my questions in a clear and concise manner. I also applaud how quickly she responded to my questions. Thanks, Ericka!
Aleeca was very helpful and made the process super easy.
I enjoyed working with Freedom Plus because of the options provided to pay off my debt. Definitely better then other companies I have worked with in the past. Our representative Dan was the real MVP. He made sure to keep us updated and informed every single step of the way.
Delivered just what their page indicated. Quick and easy
The process was very quick and painless. Such a friendly representative helped me along on the phone, making the process of getting a loan that much better. The funds were deposited into my account within two days.
Freedom Plus is Good. Very Low Interest rate in the market at this moment.
Everyone's I talk to there, are very friendly and very helpful, I like that my creditors received there money fast.
Very professional , quick and solid customer support . I am very pleased with the service provided via phone.
Very helpful and patient..definitely recommend when looking for fresh start
Great experience! Erica was knowledgeable and extremely patient while we were getting all the info needed.
I'm very pleased on how fast I was able to get the loan and now I'm on the road to getting out of debt. Freedom plus is amazing!
Friendly, courteous rep. Worked to make sure I got what I needed from the loan.
Trev M was fantastic. He gave me excellent service, friendly, and very informative. I am very happy that I decided to go with Freedom Plus. Thank you Trev Meyer and Freedom Plus.
James was very nice and professional, made the process very easy.
I needed to consolidate my credit card debt. So I applied for pre-qualification through a 3rd party site and was approved a few hours later! Jamie made the process so quick and seamless! I really like that they pay the money directly to the creditors!
mary kathryn palm
Ron R made it so easy to apply , answered all my questions, kept me up on everything going on, walked me through how to send documents. I would recommend him and th company to friends,
Very professional. Easy to set up loan options. Answered all questions without passing me around to different departments
I had a good experience with Amanda from FreedomPlus. She said the call to be pleasant, informative, and easy to understand the process. She was kind, knowledgeable, and genuinely has the best interest toward the customer. She presented various options to my issues and walk me through which one was the best one for my situation. I highly recommend her and it states highly of FreedomPlus and who they are. If every person is like Amanda then you are in good hands.
They are honest and easy to work with. Highly recommend this company!
Very good service, fast, clear, and easy to complete...
Amanda A was awesome, an advocate of the loan process you offer, she made everything easy, make sense and want to move forward with this big decision. She was great!
Sometimes you need someone like Aleece R to push you to check your credit cards' APR, and offer you a better decision by choosing a loan for paying off the credit cards. Thank you Aleece!
Easy to work with, friendly, supportive. Excellent information.
Very nice customer service, fast and efficient also very knowledgeable about the process. Most importantly care and fallow up with trust , a piece of mind. I will be coming back for the future if I have to do it again.
Your representative Mr.Marcus G was very professional.ANd took his time and patience to explain,and help me with all my questions about my loan..He really went that extra mile for me.And in today's world that is always not easy to find. Kudos for that gentleman.
Quick easy no hassle loan. Very happy with the service.
Exceptional service & follow -up. Only give 4 stars, because I believe only Jesus Christ was fully perfect. So, 4 stars is superb.
I asked the rep for a document listing all the terms, rates, interest rate, and all fine print to review before committing. He told me he could NOT send me the contract until I provided him with my checking account info. I proceeded to tell him I would NOT provide my banking info until I had reviewed all the details and fine print. He told me I needed to go elsewhere. Really unfortunate. All Keith had to do was lay out what the loan consisted of. Not very good business practice. Especially for a $10K loan.
Terrance C was amazing. Very patient and helping me get everything I needed. The one draw back, is I do not agree with the high APR but nonetheless, I will get it paid off early and that will lower my amount of interest I pay. Thank You FreedomPlus.
Daniel R was very professional and explained the process to me in an expertise way. He was pleasant and patient.my experience has been great!
We initially engaged FredomPlus via LendingTree. FreedomPlus offered a number of options to address our request. Following up we were engaged by Aleece R who was friendly, responsive and easy to work with understanding our request. At no time did we feel pressured. The whole process was easy and handled very well.
Application is quick and easy . Got the funds in 2 days. Representative was also helpful, knowledgeable and efficient.
Amanda was very polite, knowledgeable and very thorough, I would highly recommend your Financial support to my Friends and family
Amanda, our loan representative was so helpful and friendly. I enjoyed working with her. The only reason I gave 4 stars instead of 5 was because we paid a loan origination fee. We did it, because we needed this opportunity to consolidate; however the experience was not all positive because of that fee. Otherwise, this was as easy and painless as it could get. Again, Amanda was very pleasant to work with.
Ericka R did an amazing job and very quick and thorough.
We had a lot of credit card debt with very high interest rates, FreedomPlus helped us tremendously by paying off our high interest credit cards and giving us a much lower rate. Now we can see a light at the end of the tunnel. Plus our rep, Terrence C was super nice, VERY helpful, made sure I understood how this would benefit me and my family. Great company! And real fast at getting my credit cards paid off!
Our loan counselor, Terrence C was thorough, patient and professional. I would recommend my referrals to deal with Terrence directly. I plan to contact Terrence in future inquiries with regard to our credit goals. I was so nervous, but Terrence made it an easy and encouraging experience! Although we haven't made our first payment yet, my experience thus far has been EXCELLENT !
My experience with Freedom Plus was Great! Jamie B, was my agent and she was Awesome and Persistent!
Very easy and fast very compassionate service.
When we really needed Financial assistance, FreedomPlus, was the only company that was willing to work with us in reasonable terms. They allowed us to refinance our loan and provide a lower interest for us to pay less each time. I would recommend FreedomPlus to my family and friends.
the representive was through and help us work through the process of filling out paperwork and getting the information back and forth to feedomplus. he worked over and beyond the time it should have because i am not computer savory and he helped me work through each step
I had an amazing experience with Amanda A. She was very professional & took care of us promptly. Would very much recommend her.
Very nice the gentlemen that I dealt with was very well spoken and knowledgeable. We were done with everything in about 45 min. Thank you Freedom Plus for helping me out.