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.
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 decisions. However, this isn't guaranteed and will fluctuate based on your provided documentation, application verification, what time of day it is, etc. With error free applications you can expect the process to be completed in as little as one day with funds to be made available within 48 hours. The process involves:
Having a quick find a that works best for them. decision from online lenders makes it faster and simpler for borrowers to
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 0-4.99% 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.
It is unclear how exactly FreedomPlus calculates its origination fees. On its website it states that, "origination fees are calculated on the final size and vary based on the and term selected." Make sure to talk with a representative at FreedomPlus so that you have a better idea of what this may look like for you.
Very good follow up and customer service from Michael P. I needed a small loan quickly and he was very efficient in getting me what I needed quickly.
The lady who helped me, Suzanne C., was very helpful and understand. I explained my situation and she came up with a few good ideas........I chose the one best for me...to her, Thank you
I worked with Nancy B. and she was fantastic. Very responsive to all questions and walked me through the whole process. Highly recommended!
It's sad that a couple dissatisfied customers can drag down their ratings! Most of them are 5's and you can't have 5's without having awesome Loan Consultants. Anthony P., Senior Loan Consultant, was so upfront and efficient and the process was so convenient I did it at work. Even though I was approved, Anthony gave me some good tips to increase my credit score after a forclosure in 2010. The rate is so much lower than the cards being paid off, and the payment lower than the combined payments I make monthly now. So I'm overly satisfied with the customer care and results.
This was a very easy process. I worked with Ken Negrete, he was very professional and pleasant. The approval and signing of the documents was very fast, within 24 hours. I would certainly do business with Freedom Plus again!
Work with Fred B. who was great through the whole process. He was up front with the origination fee, on all documents that I needed to obtain and walked us through the whole process. I would recommend FreedomPlus to anyone considering a fast, easy and fair loan. Thanks Freedom and thanks Fred!!
I just got approved for a loan, very happy with the service . The process was fast and easy. Very professional and friendly. Thanks.
Andrea R. was simply AMAZING ( very helpful, professional, courteous). To me SHE IS THE BEST
Absolutely fabulous service. I can't imagine using any other company (outside of personal banking) for credit card debt consolidation. The majority of the rates offered are 1/2 of my credit card rates.
Josifani M Moyo
Easy steps to follow while applying for the loan. Clear instructions and good service provided by Ms Sims. Easy to recommend others to Freedom Plus.
David S. was my agent who help me secure my loan for $25000 which he made it seem so easy. Very Quick and fast to get aproved. Will recomend him to as many people i can since i know he will go up and beyond to help them. Very good person for your company need more like him.
My agent, Adan N. was really great to work with. In a very short time, I gained confidence that he was the person who could help me. He was thorough, patient and professional. I felt that he genuinely wanted the best solution for my needs.
William B. was my rep and just amazing. I was struggling with some issues and he made sure to take care of everything for me. Very fast and professional and the best experience from beginning to end. He worked very hard on my loan and had me approved very quickly. Thank you William and freedom plus!!!
FreedomPlus has been amazing! My loan agent Candyce S. was beyond awesome through the entire process. This was my first experience with a personal loan, and she exceeded all of my expectations, consistently going above and beyond to make sure I received the loan I needed. As for the company, they're great as well, they offered me super low interest rates, and no early pay-off fees, which was hard to find! All around it's been a wonderful experience and I will highly recommend them!
I can’t say enough of good about FREEDOM PLUS, They were so helpful to me. The rep Daniel R walked me through the hole process and explained the difference between how my credit cards charge me interest and how they could help me solve the problem I had and he was right, cause I weighed out all my options and his was by far the best for me. THANKS: Freedom plus
This was my first time dealing with Freedom Plus. I couldn't have better service! No crap from these guys!! They have my recurmendation!
thanks Trev. I have never gotten a personal loan and was scared to do so. You made it easy and quick for me. And trust me I'm not the one to ask for help. Great person. You put me at ease. Thanks, you are greatly appreciated.
Susie K, Loan Servicing Specialist was my welcome representative and it was a thoroughly great experience from beginning to end. Also, Clinton J was my loan originator and he was absolutely delightful. He was well informed, very personable and very helpful in answering all my questions pertaining to entering into this joint venture. My hope is that this be the case if any problem were to show an ugly face throughout our time with your company. Thank you for your approval to our loan and may our relationship remain the way we entered into it with these two highly professional employees! Jill & Gary Guy
Mr. B help me through every process. He's been so grateful.
Honestly, the process has gone swimmingly. Payments are coming out exactly as described and they were able to offer me an EXTREMELY competitive consolidation rate since we have excellent credit. Daniel F, our loan officer, gave me lots of information on consolidating another small balance later on after the promotional 0% APR drops off of it. You would think he would push me to consolidate that balance now, however, he advised me that while it was locked at 0% APR to wait out the promo period to save money. I have easy terms and my credit score bounced into the 800's after this consolidation was complete. Very easy to do business with and no pushy sales or phone calls at rude hours trying to get me to do anything I don't want to do.
Linda V was very helpful...she was in constant communication with me through out the process. Excellent customer service and I would recommend FreedomPlus anytime for their personal loans.
Our loan officer was great. Helped us get a much better rate than we originally expected. Very fast. Turned over the loan in a day.
Very friendly and helpful in the entire loan process. Easiest loan I've ever applied for.
Jeremy C was my agent, he made the loan process simple and seamless. Freedom Plus is a great company on any loans you need.
The process was seamless and very thorough. It was also very fast to get a decision and complete the process from start to finish.
Kathi F was the person who helped me with the whole loan process. She was very informative and worked quickly with me on my loan. She gave me all the options and we chose the best one suited for me. I will let my family and friends know about Freedom Plus and Kathi. Thank you Kathi and Freedom Plus. Linda Wiliams
Andrea R. was awesome! Customer service to the max...friendly, helpful, knowledgeable, patient...just great!! Easiest financial dealing ever in my life- and I've had plenty! Mark C. 11/7/17
Sal was very helpful with all my questions thank you Sal
Ken W was very helpful in getting our loan process done. He was very professional and explained everything well.
Horrible service! I applied for a loan based on the glowing reviews and had nothing but problems with their service. Every time I submitted a payment, it took days for them to process it and then I would call to verify that all the information was correct, I was assured that all was correct. And yet, a few days after, I would log in to check on the payment and would see an NSF fee added. When I called to find out what happened, I was given the same "song and dance" that I had the wrong account information. To this I would respond that that's impossible, that I had called earlier to confirm the account information and was assured all was correct. But no luck. I feel this is a scam to get more money in fees out of customers.
Scott was great. He helped us through the process.
My broker called me first thing in the morning, after receiving my application from the night before. We discussed everything pertaining to a personal loan with "F+" at enough length that I fully understood the process, (which in my case took a while). We started the process at around 9:am and he got my loan completed before 2:pm. If all their agents are as friendly, courteous, knowledgeable, and qualified as mine; (Keegan Allen), this company should be in business for a very long time. Thank you, Keegan. Sincerely, Bob Gagne'.
Maria G is grat. Very helpful and willing to walk you to the process. Made it Fast and easy. She looked for the best possible rates. Thank you Maria G for your help. I will recommend you to my friends and family.
I had a wonderful experience with James M. Everything was straight forward and no questions were unanswered. Such good and quick service. A wonderful product and easy to navigate. Totally at ease with James.
This company was GREAT and helped me each time I had any type of situation (resetting my password), they were friendly and VERY accomodating! I DO plan on doing business with them in the future if need be!!
Good and friendly conversation. But the answer is always no when you are trying to consolidate your credit cards and I feel that they will find any excuse to reject. Like mine was with 668 score that I am on a "HIGH UNEMPLOYMENT FOR STATED OCCUPATION" because the name of my company sounds like a Landscaping Company, but is not. Related to my Spanish name they just assumed that. If the verify more it will Turn Out that I am 14 years on that job, no way I can be unemployed very soon because I am the Manager. Very disappointed
Customer service could not have been any better. David Sepulveda was on top of everything in the process. Only hiccup was underwriting, they want your first born and all documents in AB+ blood. But they finally came through for us also. All without having to drive down to their office. Very convenient!
Easy and quick with a wonderful APR. Craig L. was helpful and made the process go smoothly. I was recommended to this company by a friend and I will definitely refer others to FreedomPlus in the future.
Hazel M Haggins
Had a great time with the rep Chad he was very professional.
Tim & Marla
Treva was a very cordial and knowledgeable contact, my wife and I have been through many loan process over the past 25 years but not one was as quick clean and simple as the loan Treva walked us through, she delivered on every item she explained to us, was very involved with keeping us informed and letting us know what we were to expect. We closed and were funded in record time and it was a very comfortable experience. No pressure and or bait and switch during any of the terms and approval. Freedom Plus will get all our recommendations for anyone looking for a loan.
Very helpful and answered all the questions that I had.
Thomas & Diane Longo
Our representative from Freedom was Bobby V, he was the most informative person we have dealt with in a very long time.. He followed up with us through the entire process and explained everything clearly for us to understand. He is the Best!!!! He is a keeper, you don't find many financial personnel that caring.. If I lived near your office I 'd come in and give him a big hug. Thank You Diane Longo
JOHN R. MORALES
My wife and I wanted to obtain a personal loan to address some debt issues that we needed to resolve. We worked with Tom E, who did an excellent job in working to meet our needs. The borrowing rate offered was fair, and the service provided by Tom was terrific to obtain our specific requirements. All in a matter of a few days. Call Tom E for great customer service, and to work with a professional willing to go the extra distance to meet your needs. John M.
I was very skeptical at first. The first time Andrea called me I was thinking, “ I will ever go through with this”. However, after listening to her and getting multiple options to pay it off I was impressed. I will be saving around 7k by using FreedomPlus and that is amazing to me. Thanks a lot for everything and thanks to Andrea for being so helpful and knowledgeable!
got loan approved . Kisha L was patient and knowledgeable on explaining aspects of loan. she was just great.
miss Chandra went way above and beyond to help me real people . great.
i just got a loan approved and sandra seiger was just wonderful. she explained everything very clearly and was very knowledeable about the process. very patient. since i have mild asperger's this was very much appreciated. she made the whole process very comfortable and i was put much at ease. thank you.
Have to say the professional service and dedication we received from Joshua D has been a total blessing. Understanding our needs and concerns with accurate responses and recommendations to ease our decision making was spot on. I highly recommend Freedom Plus and their staff to help those with financial needs. Great job Joshua.
After thinking I could only get a loan with a cosigner, I spoke with another representative who was able to help me get a debt consolidation loan without one. While I couldn't get the full amount I was seeking, it still will help. From the time I first spoke with Rachel S and got the documents signed, less than 24 hours had gone by.
James L Alford
They say they are a consolidation company and here to help you, but when you have no negative remarks on credit and paid and not asking for anything but to clean up and consolidate and they say NO. To me this is misrepresentation. Do waste your time as you will be turned down unless your perfect and if your perfect you don't need them. They couldn't even tell me why just no and I have good credit.