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Achieve Personal Loans

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7.9

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LAST UPDATED: December 21st, 2023

Recently rebranded from FreedomPlus, Achieve Personal Loans has aimed to create a unique and valuable personal loan experience for its customers. 

Known for its debt consolidation services, Achieve Personal Loans provides quality, unsecured loans through a streamlined application process that can have funds in your bank in as little as three business days.

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Highlight: Achieve Personal Loans rates and terms

  • APR range — 8.99%–35.99%
  • Loan amounts — $5,000–$50,000
  • Loan terms — 24–60 months (2–5 years)
  • Min. credit score — 620
  • Origination fee — 1.99%–6.99%

Jump down to Achieve Personal Loans reviews to see what consumers have to say about this lender.

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The Good

  • Simple Loan Application Process
  • Same-Day Lending Decisions
  • Low Minimum Credit Score Requirement
  • Flexible Loan Terms
  • Fixed Rate Loans and Payments
  • Debt Consolidation Loans
  • No Prepayment Penalty Fee
  • Quality Customer Service
  • Positive Customer Reviews

Simple Loan Application Process

Achieve Personal Loans' intuitive initial online application takes only a few minutes to complete. 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, you can choose to either complete the remaining application online or have a loan consultant get in touch with you to complete the transaction.

Achieve Personal Loans has extremely fast approval and funding times — receive funding in as little as three days.

Same-Day Lending Decisions

Achieve Personal Loans offers same-day loan decisions. However, this isn't guaranteed and will fluctuate based on your provided documentation, application verification, time of application submission, etc. 

With an error-free application, you can expect the Achieve Personal Loans loan process to be completed in as little as one day with funds made available within 48 hours. The process involves:

  • Filling out the online application
  • Deciding your loan amount and loan term
  • Waiting for a credit decision to be made
  • Uploading legal documentation and reviewing the loan contract
  • Receiving your personal loan funds

Low Minimum Credit Score Requirement

If your credit history is less than perfect, Achieve Personal Loans might be a good match. Unlike many competing lenders, Achieve Personal Loans has a low minimum credit score requirement of 620, a below-average FICO score for American consumers.

When it comes to personal loans, a higher credit score means that you can receive better rates and repayment terms, but a lower credit score requirement allows for a wider range of borrowers to be eligible to apply.

Flexible Loan Terms

Achieve Personal Loans has flexible loan terms ranging from 24 to 60 months (2 to 5 years). 

A borrower can pay off loans earlier than the loan due date without penalty, so your loan repayment period 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.

Fixed Rate Loans and Payments

Achieve Personal Loans has fixed rates, so your annual percentage rate (APR) will never be subject to change, as it would with a variable rate. This can provide peace of mind and stability to borrowers because they will know in the beginning what their rates and monthly payment will be throughout the lifespan of their loan. 

Debt Consolidation Loans

If you are looking for a personal loan for debt relief, it is important to know that Achieve Personal Loans 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, Achieve Personal Loans will exclude this debt from your debt-to-income ratio and pay off the credit card once you are approved. You would then be responsible to pay off your personal loan which will likely have better rates and terms, saving you more money in the long run.

You could even help you qualify for rate discounts if you apply with a cosigner, have retirement assets, or let Achieve Personal Loans pay your creditors on your behalf.

No Prepayment Penalty Fee

Achieve Personal Loans does not penalize borrowers with a prepayment fee if they wish to pay off their loan earlier than the end of their loan term. This can allow you to save money on interest, in addition to shortening the amount of time that you would be making payments on your loan.

Quality Customer Service

Achieve Personal Loans provides quality customer service to its borrowers primarily through its loan consultants to help you make the best financial decisions while balancing your financial needs.

When you start your application, the company offers a simple and easy-to-use form to start your loan process online and allows you to call and speak with loan consultants and experts with any questions. User reviews indicate these interactions are extremely valuable for potential customers and are generally positive experiences.

Customer service also handles complaints and there is little to no wait time.

Positive Customer Reviews

Achieve Personal Loans reviews outline that Achieve Personal Loans is a trustworthy and high-standard lender. 

Reviews highlight reasonable rates and fees, simple repayment options, and exceptional customer service, frequently naming specific Achieve Personal Loans loan consultants. This can provide peace of mind to potential borrowers that Achieve Personal Loans is a good and reliable choice for their personal loan needs.

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Customer Review: Samantha Ghrist from Columbus, Ohio

"This was by far the easiest and most streamlined process that we have ever encountered while applying for a loan. Amanda is extremely knowledgeable and eliminated all the stress!"

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The Bad

  • Origination and Late Fees
  • High Minimum Loan Amount
  • Cosigners Not Accepted

Origination and Late Fees

Achieve Personal Loans charges an origination fee between 1.99 percent and 6.99 percent on its personal loans. While a fee like this isn't necessarily large for the industry, some industry leaders omit such processing fees from their loan applications altogether.

It is unclear how Achieve Personal Loans calculates its origination fees. On its website, it states that "origination fees are calculated on the final loan size and vary based on the interest rate and term selected." Make sure to talk with a representative at Achieve Personal Loans so that you have a better idea of what this fee may look like for you.

In addition, Achieve Personal Loans charges a $15 late fee for any late payments.

High Minimum Loan Amount

Achieve Personal Loans doesn't offer small loans — the minimum loan amount available is $5,000. There are many lenders that offer smaller amounts, if that is a better fit for your needs. For example, the following lenders offer lower minimum amounts:

  • Best Egg — $2,000
  • SoFi — $5,000 (also offers loans up to $100,000)
  • Upgrade — $1,000

It is important to note that debt consolidation often requires larger loan amounts, speaking to Achieve Personal Loans' expertise in this area since it offers a higher minimum loan amount.

Cosigners Not Accepted

Achieve Personal Loans doesn't accept cosigners. This could be a drawback particularly if you have poor credit and may have difficulty being approved for a personal loan. 

It is important to note that Achieve Personal Loans does accept co-borrowers. However, a co-borrower is jointly responsible for the loan, whereas a cosigner is only responsible if the borrower is unable to make payments for any reason.

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The Bottom Line

Achieve Personal Loans personal loans are unsecured, requiring no collateral, and accept credit scores starting at 620, lower than many other companies in the industry, presenting a good option for those who may not have excellent credit. However, you will be more likely to receive a lower interest rate the higher your credit score. 

Loan amounts range from $5,000 to $50,000 with competitive interest rates, and loan terms ranging from two to five years, allowing the borrower to tailor their repayment plan to their specific needs. 

It is important to note that Achieve Personal Loans does charge a loan origination fee, as well as a late fee, but there are no prepayment fees, allowing you to pay off your loan faster if preferred.

If you're looking for a debt consolidation loan, Achieve Personal Loans is a great option. It will send borrowed money directly to your creditor, which puts a large percentage of your loan toward direct payment to those creditors, helping you pay down your existing debt quickly and successfully.

Having a large number of positive reviews, Achieve Personal Loans complaints are limited and customers highlight exceptional customer service, a painless loan process, and great loan rates.

Whether you're wanting to consolidate debt, cover home repairs, fund other expenses, or whatever your loan purpose may be, Achieve Personal Loans is a quality personal loan provider.

*Personal loans available through Achieve.com (NMLS #138464) or Achieve Personal Loans (NMLS ID #227977) are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, or Pathward®, N.A., Equal Housing Lenders. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. APRs range from 8.99% to 35.99% and include applicable origination fees that vary from 1.99% to 6.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49%, and a corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan Consultants for Achieve Personal Loans are available Monday–Friday 6 AM to 8 PM AZ time, and Saturday–Sunday 7 AM to 4 PM AZ time.  

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4.4

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2,357 Reviews

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5 grade

79%

4 grade

9%

3 grade

2%

2 grade

2%

1 grade

8%

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Lari Dunlap Sr

Achieve did exactly what they said they’d do and made it so easy that I initially doubted the company’s authenticity. I applied totally on line and was assisted throughout the entire process. They helped me pay off a high interest rate credit card that included compounded interest. I’m happy to know there are viable debt relief possibilities like Achieve provides out there.

3 months ago

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Amanda de Bara Poughkeepsie, NY

The woman who helped me, Kat, was amazing. She was supportive, understanding and very knowledgeable. She helped me step by step the whole way through and even taught me things about interest and cc I didn't know or haven't though of before.

3 months ago

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Kirk Warren

What I really love not like was the process was very seamless the customer service personal was on point with give detail information.Thanks gave and I look forward to do future business

3 months ago

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Casey Norton Atlanta, GA

Excellent customer service and straightforward process. I would strongly encourage anyone looking to consolidate debt or just needing to take out a loan to cover a large expense, to give this company a chance. Could not be happier with my experience.

5 months ago

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anthony escotto Saint Joseph, MI

It was amazing how they expedited my loan at a time when I really needed it. The process was easy and flow less and the agents were very courteous and ready to help. It took less than 30 mins to get approved and I’m happy I found this company.

5 months ago

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Christina Rodriguez Slatington, PA

I liked the friendly gentleman I spoke with. Anthony started me off and Konner was wonderful. Even after everything was said and done. I had a question with an error I had made and Konner was able to help me yet again! I thank you for all your help.

5 months ago Edited October 10, 2023

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linda gross Clio, MI

Was so skeptical when these loan apps popped my credit score. Was the easiest loan ever gotten. I checked their rating and reviews so decided to go ahead. All info was given on day of application over the phone. And now 9 days later am notified all my debt has been paid off!!! Automatic withdrawal,fixed rate interest and a 4 yr loan. I couldn't be any happier with my experience and speed from start to finish. Saving a lot in interest by combining everything . Brian was a pleasure to work with. Thank You Sir!!!

7 months ago

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David Zimomra Manassas, VA

Stephanie M was an awesome Loan Consultant. Extremely knowledgeable, thorough in her explanation of all loan items, and most of all, kind, helpful and demonstrated understanding. I will gladly deal with Achieve based on Stephanie's expertise. Also, the process in obtaining the personal loan was straight forward and easy to execute. Keep up the great work. I think you have an excellent product and service.

8 months ago

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Sheyla Popova Los Angeles, CA

Corwin M from Achieve and Oscar M from Freedom Debt Relief helped me throughout the entire process of understanding the type of loan I needed and were so kind giving me the detailed response to all of my questions. Everything was set as agreed in a timely manner, and it only took me 1 hour talking with them on the phone to achieve the results I needed in best possible ways. I applied on June 30th and it only took the company less than 2 weeks to pay for all of my credit card debts. I am very grateful. I really appreciate your company’s and your employees’ decency and professionalism.

8 months ago

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bruce knight Slidell, LA

Sebastian was awesome. Very kind and easy to work with. There wasn’t one moment that I felt that he wasn’t solid in his knowledge and ability to help me. I’m so grateful for his care. Thank you. As an employer every employee is your public face and is often the sole chance you have of making a positive impression and impact on lives. He made a huge impact because of the timing. We really needed the loan and he absolutely was a calming influence and we felt his care. Sebastian is an employer’s dream. He gained my trust and respect. It’s hard to find people like that in today’s workplace. You are lucky to have him!!

10 months ago

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Joe White Dallas, TX

I really appreciate how quick and efficient the process was with Achieve from start to finish. Everything was seamless. After being affected by covid and its impact, it was difficult to get a loan to consolidate all the bills and save on interest... With an improved credit score and making around 200K annually, Achieve worked the numbers and saw it fit for me to get a loan. I was able to pay off and consolidate all my credit card debts into a single payment that was affordable for me each month! Thank you to the Achieve team for the support for working with me and getting me back where I need to be!

11 months ago

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Gary Haynes Ford City, PA

I believe that Achieve goes above and beyond to help its customers. Achieve wastes no time to give you the money you need and pay off your debt. I was told it would take 15 days to pay off my debt, and indeed did. I was very pleased with Achieve.

6 months ago

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La Shauna Matthews Rialto, CA

Ms. Lara was very helpful & communicative. She returned calls when she said she would and got me the best deal and rate that fit my situation. I asked for a certain amount and found out I could receive more. So what I did was pay off ALL my credit cards and took the remainder. Thanks again, I highly recommend this company.

6 months ago

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Ken Columbia, MO

Achieve allowed me in a short time to combine receive a personal loan in a very quick and efficient manner. The customer service representative was knowledgeable and helpful in streamlining the process to get this done. I would definitely recommend Achieve to anyone else.

8 months ago

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Melinda Gaspard Houston, TX

I would like to thank the staff for looking over my loan and accepting it. Thank you for helping and thank you for acknowledge the fact that I do pay on time and been very faithful to you. I am very thankful for your business and appreciate the time yall took out to help me.

8 months ago

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Ben Brown Lexington, KY

From the initial conversation to the final approval the people I worked with were incredible! This can be a scary process, they made it simple pain free and were very accommodating to my needs. They actual went above and beyond.

8 months ago

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Bert Jenkins Columbus, OH

I liked the prompt manner that my needs were addressed. I felt that the original amount that I requested, being only $4000 different(more) could have been approved. I had a question after approval concerning deposits that appeared in my account after approval and I didn't feel the same level of courtesy as I received during the application process.

8 months ago

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Lisa Moralez Philadelphia, PA

Brianna was very helpful and explained all my options for a 50/50 consolidation and loan. She gave me time to discuss with my husband as to which option was best for us and answered all of our questions and concerns. I feel so much better and no longer losing sleep over how I am going to make ends meet.

8 months ago

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James Jones Hixson, TN

The ease of the application process & the professionalism of the agent I spoke with, she was very good at explaining the total process & making sure all required information needed was in order. The approval process was quick & the funds to me will be available in 3-5 business days & debts to paid off within 15 days which they send to the creditors. I would definitely recommend Achieve to anyone looking to consolidate debt.

9 months ago

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Lenny Bevens Cincinnati, OH

Achieve Personal Loans made the process of applying for a personal loan amazingly easy.. All steps were able to be completed digitally with an assigned Loan Consultant facilitating the process and available to help and advise through every step from completing application to receiving funds. For the combination of ease of process (digital experience), level of service provided by having a dedicated Loan Consultant, speed and efficiency of the application process, and prompt loan funding, I highly recommend Achieve Personal Loans!

10 months ago

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Thomas McAvoy Sachse, TX

When I applied for a loan to pay off my credit card debt on another site, I was denied but referred to Achieve. I talked to James C. and it was a really quick process. I got a loan for 25K that allowed my to pay off all my CC debt, a personal loan, and a 401K loan. All while reducing my payment to less then what my CC minimum payments were. A week later, I had money in my account and all my CC were payed off. Very happy customer!

10 months ago

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Pascaline Ezouah Decatur, GA

Wow! The entire experience from when I first applied to loan financing was efficient and smooth. Daniel G, my loan consultant was very professional, knowledgeable, and always available to answer any questions. Achieve Personal Loans gave me a chance and a much better interest rate, and I will always be appreciative. I highly recommend this company to everyone trying to improve their finances. Thank you again, Dani!

11 months ago

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Jonathan Rosa Boston, MA

I thought I was not going to get anything. But it worked out for me big time. They worked hard on getting me the best offer they had. They was very informative and explanatory. They showed me all my options and made the transaction very smoothly. I’m very grateful and glad I did. It is well needed and put all I had into perspective. Thank you Achieve it is and achievement!!

11 months ago

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Samad Zaman Bohemia, NY

Achieve is probably one of the better loan originators I have worked with to date. They were straight forward on what I could expect and I got exactly what I thought I was getting. Long story short? Need a personal loan? I recommend achieve. Super friendly service and no hassles. My suggestion would be to avoid incentives to those who are able to pay off their balance in 10% of the agreed upon time. Also make it easier to change due dates.

11 months ago

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Nan Seger South Sioux City, NE

My daughter got engage in the fall of 2016. Her fiancé was from another state so they decided to do a destination wedding. My husband contacted FreedomPlus to discuss possibly getting a loan to help supplement the wedding. The process was very simple and easy. Jimmy S walked us through the entire process and through the power of the internet we were able to secure a sizable loan. The security of it all went very smoothly. My daughter and her fiancé were able to use the money in whatever way they needed. It was so nice to work with an agency that didn't create more paperwork then necessary but at the same time I feel was complete in providing us all the necessary information and paperwork to sign. The money was easily transferred. {btw the wedding was b-e-a-u-tiful!! Everything went flawlessly!} I look forward to our next experience with FreedomPlus and encourage my family and friends to try you out for themselves. Again thank you!

2 years ago

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Larry Placido San Francisco, CA

Being as one that wants to consolidate bills these days, I took a chance with FreedomPlus. I really didn't know what to expect as I wasn't too familiar with the company. No matter how many reviews (good or bad), you will always find someone that had the opposite experience. I must say that I had looked into many options and for me, this one was the one. First off, the online application and the subsequent review of my financial state went amazingly fast. The application was easy to fill out and understand. Even though I have only had my loan for a few months now, everything is good... I'll update this as more time passes.

3 years ago

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Ruth Hertzberg Springfield, MO

Freedom Plus is and has been an answer to my financial difficulties. I have always been able to pay my bills on time and the full amount, but I wanted totally out of debt so that my Social Security and retirement annuity could be used for fun and adventure not bills. Freedom Plus has given me the opportunity to consolidate all my payments into one and live really live on what is left. In a few months I will be debt free of all the elective debt. Still have housing and transportation expenses but in my world those will always be there. Working with their staff has been wonderful. Courteous people, very knowledgeable and professional. I be glad to refer this company to my family and friends.

4 years ago

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Rocky E. Barbourville, KY

I choose FreedomPlus from one of Credit Karma's lending list because not only were they only one of the two lending institutions offering me high approval chance of obtaining a loan but, they offered an Okay APR % rate. Yet to be confirmed but, they also said after first 6 months of making no late payments they would restructure my loan reducing the APR to below 5%. That's a Plus. One side note, they worked the loan in about 30 minutes and I was good to go. I was able to payoff a few lenders and and had some $ left over direct deposited into my bank account, the whole process was completed in about 4 days. I would use them again.

4 years ago

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Deverson Charles Saint Paul, MN

Good, morning. I want to start this email by saying thank you to Adrian for his assistant earlier this week. As a business owner, I've had the pleasure of working with several loan consultants, but no one has provided the Elite level of service that I received from Adrian. Not only that Adrian took time to understand what I was looking for, but he took the time to explained the services that Freedomplus has to offer and how I can utilize in the future. Thank you, Adrian for getting my loan processed quickly and for everything that you do. I'm looking forward to working with you again. Thank you,

4 years ago

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Peter B. Richardson, TX

Hands-down the best financial services interaction I have ever experienced including from major banks where I have been a customer for 15 years or more. I went into my initial contact with Freedom Plus highly skeptical and expecting some kind of deceptive bait-and-switch con job. But the entire process from initial inquiry and discussion of options through application and funding could not have been more professional, transparent, honest and smooth. Fast processing too. Got loan approval within 24 hours, funds received within 2 business days thereafter -- and at a surprisingly competitive long-term (3 year) rate. Highly recommend this company!!

4 years ago

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Jennifer Hall Katy, TX

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.

4 years ago

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Leo S. Cincinnati, OH

After experiencing an unexpected illness in our family we faced some very painful realities, both physically and financially. Our hardships became much easier to maintain and sustain thanks to the abilty to receive an unsecured loan through Freedom Plus. After answering a few brief questions online, I was immediately contacted via telephone by Josh who became a joy to work with. He listened patiently and worked very diligently at finding me terms I could live with. From the initial contact on the evening of July 15th until the final creditor received payment on July 30th, Freedom Plus had my back. I had my loan in full, and my submitted list of creditors paid off, allowing me to be wise and avoid paying countless years of burdensome and foolish interest rates without ever making a dent in the principal amount. Both Josh and his Manager Brian were a blessing at what I had deemed to be a hopeless outcome. The resource Freedom Plus and their Associates has restored my sanity and self respect to press on and face the difficult road that lies ahead. I can't tell you how much I appreciate this company and their Team for helping during this personal crisis.

4 years ago

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Gary Christiansburg, VA

After looking into consolidating our credit cards and some small loans it became apparent that when others say your pre approved doesn’t mean your approved at all. It’s different with Freedom Plus. When others said no because of your debt. Well isn’t that why I’m contacting you and trying to do a consolidation loan. Freedom Plus went right to work and approved us and the amount we needed plus more if we wanted. I would highly recommend them. They were extremely pleasant to deal with and quick with the process. She said the debt we included would be paid in about ten days, but actually only took about a week. I’ll definitely come back if I need to. Thanks Gary

4 years ago

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Simone B Murray Upper Marlboro, MD

Hi Maria, I would like to thank you for your excellent support. You took care of all my queries in a jiffy. You provided fast and helpful advice regarding my loan. You let me know all the important information regarding the loan .I am a busy professional and you was extremely attentive and listened to all my concerns with a great deal of patience. I was very thankful that you explained which term will suit my needs best. You have a caring approach and you are a true professional. To Maria's Manager....Please accept my gratitude towards her and efficient services. I was able to complete the transaction within a few hours, thanks to her attentive and alert presence. I would especially like to commend Mary for her professionalism and superlative skills

4 years ago

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Peter Issaquah, WA

I had been looking for a refinance option with my advisor at FitBUX and was recommended Freedom Plus as one of two great options to consolidate some debt at a lower rate. When comparing the two, freedom plus was less competitive initially, but then after talking with their loan officer he told me I qualified for some discounts and worked with me to get a much better option then I had considered. The gentleman I worked with, Anthony C was very helpful, knowledgable, and creative at helping me figure out what was going to be the best option. Great experience, and I feel confident I got the best deal I could have.

5 years ago

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TRRWheeler Lorenzo, TX

I dreaded having to get a debt consolidation loan - I had never needed such a thing before in my life. I almost waited until it was too late, but I went on Lending Tree and this company had the lowest interest rate so I asked them to contact me. A few minutes later a representative named Gabriel called and explained the discounts I might be eligible for. Long story short - I should have done this months ago. It was so quick and easy, I qualified for an interest rate 6 or 7 % lower than I expected, and it was so much more of a pleasant experience than I ever dreamed possible, thanks to Gabriel. If their other reps are anything like him, you will love using this company!

5 years ago

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Lora B. Bakersfield, CA

Our loan officer, Erika R, was the most professional loan officer with whom I have ever dealt. She was prompt, explained all disclosures fully, answered any questions, regarding how insignificant they may have been, with patience, professionalism, and knowledge. We have already referred 2 people to her, because of the service she provides. Freedom Plus was was the most professional loan officer with whom I have ever dealt. She was prompt, explained all disclosures fully, answered any questions, regarding how insignificant they may have been, with patients, professionalism, and knowledge. We have already referred to people to her, because of the service she provides. Freedom plus was simple, fast, and easy throughout the whole process. After this loan dissatisfied, I fully intend to come back to Freedom Plus for any further financial needs. Thank you for hiring such an exceptional person, as Erika, she made the entire experience very pleasant.

5 years ago

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Kate Zion, IL

I spoke with Adan and he gave me a lot of good information about Lending Club and how different Freedom plus is from them. I had already applied to Lending Club and already waited 2 weeks to get the application processed. But lendingclub kept coming back and telling me that I hadn't submitted the proper information. It was the most frustrating experience. So I canceled my application with Lending Club after researching and finding out that everything Adan from freedomplus had told me to be was correct about Lending Club. He called me back a few days later and within 30 minutes got me approved. I got a loan for about $11,000 at 17.49 % which turned out to be less than the 20% quoted to me online. Adan stayed in contact with me without any break in communication and answered all questions correctly and immediately. I am very happy that my credit cards are being paid off 4 less than half of the interest that I would be paying otherwise. My credit score was around 695 and many other companies we're quoting me 26.95% to 36.95% which was insane. His service was absolutely excellent and it didn't seem there were any catches but I will update this when I pay it off so I can inform whether the interest is less if paid off sooner.

5 years ago

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Marsha G Platte City, MO

Freedom Plus and my Rep Shelby M was so helpful and understanding. I had been approved through another loan company that required a voided check, since I didn't have a voided check they insisted I send all my banking info through the mail to their home office, this did not make me feel secure. I have worked too long on my credit to send basically all my info through snail mail... Shelby, was considerate and understanding explained all my loan options and what he thought would be in my best interest all the while I am listening but completely was thinking the same exact thing. Although, I will pay a bit more it will be for only 3 years not the next 15... I am truly grateful for the opportunity to start getting completely out of debt... Shelby, thank you for all your time and knowledge of getting me started on this path.. All of my debt will be gone in 3 years at the max.. Greatly appreciated!

5 years ago

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Louise B. Cementon, PA

My experience with FreedomPlus was outstanding! My assigned rep, Kenneth N, was extremely professional, and he carefully listened to my needs and concerns, and acted quickly to address my request. He always responded in a timely fashion, and was thorough is describing the various options and loan lingo. He broke things down, in laymen terms, to make it easy for me to understand all of the various loan terminologies. He was respectful of my personal information, and I sincerely enjoyed working with him. Thanks again, Ken and FreedomPlus! I truly appreciate the partnership, and feeling like I am part of the FreedomPlus family!

5 years ago

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Patricia Marzolo San Clemente, CA

I spoke to Adam N in June 2018-he was very professional and spent time with me and did not push me when I said we weren't quite ready, but I would call him when we were. That professionalism prompted me to keep his name (I spoke to several people-his name was the only one I kept). I called him this past week and I was grateful that I listened to my instincts. He was so professional and made the process swift and simple for us. We were funded swiftly and I would definitely recommend him to anyone I know who is looking for this service-he represented his company well and I give him a full 5-would give him higher is I could give bonus points!

5 years ago

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Neil Morris Finleyville, PA

My experience with FreedomPlus was absolutely Outstanding! As a 100% disabled Marine, I have a difficult time using the phone and filling out information live with someone that doesn’t realize my situation. I had the same Wonderful, knowledgeable, sweet, and sincere, Credit Counselor from start to finish! Cheyenne made my experience both a learning and pleasurable one with her very positive attitude and knowledge of the subject. The Company gave Cheyenne quick responses to our submissions and She then went over every piece of that information with me in a way I could understand and keep up with! FreedomPlus was not a phone number I dreaded to call after my first contact through this very day. Regardless of what I need or what my question might be, I feel completely relaxed and confident in their abilities AND THEIR DESIRE to look after my best interests! Being unable to drive or work makes living on a fixed income very stressful. To stray from the norm in any way is extremely hard for me. I have no regrets and I am blessed with a wonderful family and great friends, so I’m not trying to get any sympathy or empathy in my remarks! I’d do it again if I could! My point is, I’m limited and these people, especially Cheyenne, have me a faith in my fellow mankind I have lacked in recent years! It has been rare to find both professionalism and caring at such high levels mixed together in one Company, eximplified by one Counselor, Cheyenne R! Sincerely Neilg

5 years ago

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Kevin Daily Arroyo Grande, CA

I was looking for a debt consolidation loan recently. Out of all the possible companies, FreedomPlus is hands down the best! When I think of a word to describe FreedomPlus, integrity comes to mind. Sandra was completely transparent on the service and rates and I felt like she had my best interest in mind as she worked to find me the best rate and deal possible. Their customer service is world class! Follow up and communication is better than I have ever experienced with any other company. I will definitely use FreedomPlus's services in the future if the need arises. I ended up taking a personal loan from family, but if that opportunity had not been present I would have taken the offer from FreedomPlus in the heartbeat.

5 years ago

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Teresa Lewisburg, OH

I need immediate help with consolidating my credit card debt. FreedomPlus was highly recommend when researching for a company that offered low interest rate with consolidating my high interest credit cards. I filled out online the application. Within a few minutes a call was returned. The whole process was very quick with an immediate answer of approval with qualified 4.9% interest rate. The staff at Freedom plus is very credible & knowledgeable. They guide you every step of the way with your loan process. My loan was processed and closed within 1 day. With funds disbursed in just two days. I highly recommend FreedomPlus!!!

5 years ago

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JON DAVISON Sparks, NV

The whole process of securing a loan through freedomPlus was very simple and straightforward. I didn't have to go to a bank or office to sign stacks of paperwork and did the entire process from the comfort of my own home. My loan officer (Joshua D) was top notch. He was very patient with me and my questions and concerns. He stayed in constant contact to meet my needs without being overbearing or high pressure. He was there to help no matter of the time of day, even after hours. All my questions were answered and my needs met. I would Highly recommend your company to anyone that needs it. You have helped relieve me of a stressful financial burden and my life and business are much easier and manageable. I will be using your service again in the near future for other loan purposes. Thank You, Jon D.

5 years ago

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Kim Jordan Katy, TX

Freedom Plus was a lifesaver. I reviewed several potential companies that assist those with a average credit score with no late payments. I wanted to consolidate so that I could better manage meeting my monthly obligations. Freedom Plus had the highest rating. I applied for a loan and within 2 days I was contacted by one of the loan representative. The process was simple and with a few requested documents to prove my income and employment I was approve for the total amount of 9500.00. My creditor were all paid less then 5 business days. They are by far the quickest and easy process. Thank You Freedom Plus for helping when I needed it. GG-Houston

5 years ago

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Laura Oster Belleville, IL

Freedom Plus provided an outstanding customer service experience and quickly solved my problem with an affordable short term debt solution. Scott M was an impressive agent to partner with on my application and made the process simple and efficient. Most importantly, he treated me with respect at all times during the loan application process. In fact, I recommended Scott and Freedom Plus to my son, immediately after successfully obtaining my funding for debt consolidation today. I have rarely written an online review for a company before, but this time I felt that it was my obligation to do so in order to properly thank Scott for his excellent work!

5 years ago

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Khesha Columbia, MO

This was the smoothest and most positive loan experience I could have hoped for! Patrick was amazing to work with; he was knowledgeable, courteous, patient, and no pressure. I'm guessing this is easy for him, given that FreedomPlus is offering solid loans at FAIR rates, based on your individualized circumstances. I came away from this process feeling like I had been treated with respect, dignity, and like my financial circumstance was not only understood, but also met, by being matched with a loan that serviced my needs across all categories. I would definitely recommend FreedomPlus to others I know, with confidence.

5 years ago

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J. Robert Lash Panama City, FL

My experience with Freedom Plus has been stellar! I mean, OMG, Sam V was phenomenal throughout the whole ordeal. I cannot say enough good things about Sam and his demeanor, in fact I dare say that without the confidence that Sam exuded over the phone to me and made me believe that Freedom Plus was the absolute best company on the market, I might have gone with someone else. However, he explained everything to a "T" and made it easy to understand. He was no pressure and had an answer for every question that I came up with. This fellow deserves a raise from Freedom Plus as he went, in my opinion, above and beyond just doing his job, to defining what was about to happen with Freedom Plus and my loan and making it so easy to understand and get everything processed so quickly, that I wish I had 100 Sams to work for me and my company. In a nutshell, Freedom Plus is an outstanding company and Sam V is an AWESOME individual and a wonderful employee for your company. Do everything you can to keep him as he was instrumental in securing my business and I would recommend you all and ESPECIALLY Sam to any and everyone. Keep up the good work. !!!! Signed, One happy and pleased customer. J. Robert Lash

5 years ago

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Rushelle Williams Lithonia, GA

My Loan Person was Vickie, she was sweet, amazing, kind and so cheerful even at the end of her long days shift... my husband and I had two precious personal loans that had us with a horrible interest and monthly payments. We were in deep because the high interest kept eating back all the money we would put towards the loan. She not only gave us a loan with a way better interest rate and a better monthly payment but she gave us discounts and spent the time to explained everything to us. I am not good with things like these so I always ask a billion questions and she answered my billion questions and I am forever grateful to her for this. I spoke to her on Thursday and then by Friday I had my loan on the way to pay off my other lenders. Amazing company I dont know how I didnt find them before!!! Would recommend them 1000 times over anyone else.

5 years ago