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. 

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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
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1,878 Reviews

Review Breakdown

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1 star
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Brittany kelly
May 17th, 2019 Middle River, MD

Amanda was very helpful and supporting through the loan process , I would recommend her to anyone needing help !

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Iffaf Zaman
May 17th, 2019 Utica, MI

Freedom plus was awesome to work with. Our agent was very helpful in answering all our questions and making sure we understood everything. Thank you for helping us consolidate our credit debt.

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Laura
May 16th, 2019 Fairfax, VA DETAILS
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Oscar A has been such a huge help to me throughout the entire process. He explains things clearly and in a way that I can understand which I appreciate because I'm new to the loan process. He is prompt in his email replies and always upbeat and willing to assist.

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Louise Branick
May 16th, 2019 La Grange Park, IL

My person that assisted me with very personable and patient with me. Patrick R

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Christina King
May 16th, 2019

Being so hesitant in taking out another loan was laid to rest with speaking with both David and Brian. David with talking me off the fence and explained everything to me SO clearly that it just clicked and made sense to me that what I was about to do was the right thing for me and my family. David knows what you need! Brian followed up with me after I was approved for the consolidation loan and made sure that I understood everything that it entailed. Both men were SO friendly and knowledgeable. Thanks David and Brian!!!

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Will
May 16th, 2019

Fast & Easy Application Process! Funds were in ,my account much faster than expected!!!

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MB Cook
May 16th, 2019

Dan was extremely helpful, kind, and knowledgeable concerning my loan application. Fantastic experience!

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Rachel C
May 16th, 2019 Snohomish, WA

We were looking for an alternative to the high interest, short term borrowing we had been doing while working to repair our credit. This loan will not only help with credit repair, but FreedomPlus gave us a reasonable interest rate and plenty of options to fit our individual needs. Our loan consultant Ericka was very thorough and helpful through the whole process. Everything was done remotely in a super timely fashion. Highly recommend!!!

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Lisa
May 16th, 2019 Chesterton, IN

This was the first time using FreedomPlus and I have to say they were great to work with. I got my loan in no time and was able to consolidate my Bill's quick.

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Larry
May 14th, 2019 Deerfield Beach, FL DETAILS
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The application process was quick and easy, and their rates are very competitive and reasonable.

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Rick
May 14th, 2019 Ravenna, NE

They were freaky fast at getting me my money. Wish I would've called sooner. So easy to do. I literally didn't have to do anything but answer my phone.

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Pam
May 13th, 2019 Chicago, IL

I enjoyed the ease of the application process, the timely manner in which I was told if I qualified. Would definitely recommend to friends and family

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Sam Hernandez
May 13th, 2019 Wylie, TX

This was by far the best experience I had with my loan.Daniel R made this process so easy.He explained all the details along the way to make decisions very easy.Your the best Daniel We appreciate all your help.

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harveybee
May 13th, 2019 Picayune, MS

My experience with freedomplus was very positive. My loan officer (Michael) was very helpful and knowledgeable. He helped me get my loan approved. Very pleased with everything.I would refer my friends and family to FreedomPlus in a heart beat.

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Paul Andrew Sahagun
May 13th, 2019 El Paso, TX

I was given multiple options to fit my budget and once selected, Debbie was very professional and answered all my questions. I truly recommend Freedom Plus.

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John Frias
May 13th, 2019 Deer Park, TX

Was very easy to apply. I don't remember names very well, but the two persons that helped me was great. No hassle n no I don't care attitude. All in all this the best experience I had getting a loan.

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Maryann
May 10th, 2019 Philadelphia, PA

My husband and I were looking to secure a loan to help us straighten out our finances. After several unsuccessful attempts, we came upon FreedomPlus. Our Representative Daniel, was very patient and considerate of our situation, and he took the time to find the best loan for us. We would definitely recommend Freedom Plus to anyone looking for a good loan agency.

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Lutitia Papailler
May 9th, 2019 Louisville, KY

Kelsey C. guided me through this financial process easily. I was approved quickly; I have told others about FreedomPlus.

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Monica
May 9th, 2019 Marshall, TX DETAILS
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The loan officer Jamie was great! Super friendly and informative. Really made me feel secure in my decision. FreedomPlus has really come through in a time of need!

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Adriam Gil
May 9th, 2019 Miami, FL DETAILS
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Excellent service. Very fast. Great opportunity. Thank you so much.

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Alejandro Flores
May 9th, 2019 Pasadena, TX

I went to just check out the site, never thinking I was going to go thru it. Was only curious at first. But after speaking with Amanda A, every single thing fell into place perfectly. Very helpful and knowledgable of everything. Would definitely recommend using them!

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Kelly Murphy
May 9th, 2019 Owasso, OK DETAILS
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Started off well enough. Loan processed quickly & efficiently. They wanted to disperse part of the loan directly to creditors. That got sent to the wrong bank , now I am paying on a loan that I have not received as of yet. I’ve bee waiting over two months for it to sort out. Meanwhile I’ve not received my account number to register online to monitor the account. Just a statement email that I cannot access because I do not know my own account number. They have collected the first two months directly from my bank, with military precision.

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Simone B Murray
May 8th, 2019 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

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JAY
May 6th, 2019 Laurel Springs, NC DETAILS
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Overall I had no issues until I needed to change my payment method due to an impending divorce. Now for 6 months I have had no replies to my emails nor answers to my phone calls, all I get is crickets. Now the account is being canceled that they have received payment from and I have no way of setting up my new account which means I will be delinquent for the first time in 46 years.

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sarika batcha
May 6th, 2019 Elk Grove, CA

it was quick, consultant Jamie was very nice and helpful explained every thing in detail. she has a direct line so no wait to speak to a rep

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Ed
May 6th, 2019 Wilmington, DE DETAILS
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Avan N was very professional and very helpful in helping me with my loan. Everything was very easy and did not take much time at all to complete. Two thumbs up!

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Alexander Rick
May 6th, 2019 Mars, PA

Dan was very helpful with every aspect. He pointed out many ways of borrowing and helped me choose what was best for me thanks again

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H & D Stewart
May 2nd, 2019 Conyers, GA

My experience with Freedom Plus could not have gone smoother. The process was so very easy that I wondered if it was legitimate. Debora R was the Processor and she was simply a joy to work with via electronic communications. The tone of her emails were pleasant, kind, helpful and professional. My husband and I sincerely appreciate the friendly manner in which the help was administered to us.

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Carolyn
May 2nd, 2019 McAdoo, PA

Excellent service very patient understanding and clear on what I needed and you needed to find my loan only down side is the fee for processing

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Thomas Prezioso
May 2nd, 2019 Morris Plains, NJ

Debbie was amazing great customer serviceeee

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Cee
May 2nd, 2019 Saint Paul, MN DETAILS
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Horrible customer service, Christopher T

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Sarah
May 2nd, 2019 Cameron, NC

I had the best experience because of my loan consultant, Celeste L. She was phenomenal & so helpful. She answered my questions, regardless of how silly they may have been. She made me feel so comfortable in the decisions I was making.

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Khaled
May 2nd, 2019 Hasbrouck Heights, NJ

My experience with FreedomPlus started with Liz who took an outstanding care of my request. Liz is very good listener and accommodating and looks for options that could save you money by offering the lowest APR. It took me 2 days to finalize my loan. I highly recommend FreedomPlus and of course call Liz. Thank you, Khaled

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David Braden
May 2nd, 2019 Irving, TX DETAILS
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The payment was not made for over 10 days and once the paperwork was signed, I could not get a hold of anyone or get answers.

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Raymond J Bond
May 2nd, 2019 Trenton, NJ DETAILS
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I diid enjoy the service and use of the money. It was very easy to open and although the interest was high I did need the money. Here is my complaint. I wanted to pay off my loan money is in my bank. I waited for a check to clear and called in advance for pay off amount. Which I was given next day I call to pay off and it had increased $4.00 no big deal! Next they tell me they can not process payment for two days and now the pay off is going to be $41.00 more. Here is a company that you have to set up automatic payments with and then when it come to paying them I get charged more because they can't process the payment that fast. Sound like this is a they're problem more than my problem. I just want to close out this loan with no issues and feel like the $40.00 is a stab in the back. Raymond J Bond

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Scott
May 2nd, 2019 Dumont, NJ

I had a very positive experience with FreedomPlus. My loan officer Celeste was a pleasure to work with throughout the entire process.

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Maribel Aguilera
May 2nd, 2019 Long Beach, CA

I was really pleased with the customer service I received on a loan i needed to get. The person i spoke with understood my needs and was very helpful and nice .

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Andre
April 29th, 2019 Boynton Beach, FL

Ericka was very respectful and professional. I would recommend my friends to talk to her!

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Jay Barone
April 29th, 2019 Petaluma, CA

Terrence was incredible. I will work with him on all future loans. He answered all my questions. He was informative and had a great sense of humor. My goal is to pay this loan off and to work my way up to 40K consolidation loan.

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Cyndi
April 29th, 2019 Catonsville, MD

Right from the start, Mr. Earl N was very friendly and a very informed representative. He listened to my dilemma and was very patient with me as we were comparing my options. He was really good with the follow up with me and provided an answer for me very quickly. I was able to move forward and clear up my situation in 3 days. I really appreciated his bedside manner and I would recommend your company to any of my friends that may need your assistance in the financing area. Thanks Mr. Earl!

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Charles Gomez
April 29th, 2019 Lake Bluff, IL

Elizabeth, did a great job helping me with the loan approval. She was very helpful for someone like me that's not computer smart or smartphone smart. She took her time in guiding me how to do transmit documents from my phone to her work email. From the bottom of my heart, thank you Elizabeth for being kind & patience.

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James
April 25th, 2019 Henderson, NV DETAILS
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After a few minutes from going to their website, someone was already calling me to complete my application. Jamie C was on the ball from the very first moment. She made sure she had all the bases covered, and that I got everything right and complete to keep the application moving smoothly and quickly. It's only been a little over a week and I am already feeling the benefits. Thank you!!!!

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james
April 25th, 2019 Theodore, AL

My customer service rep Joseph was great to work with!!

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Jesse Hoskins
April 24th, 2019 Macon, GA

Easy to work with and very convenient.

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James Derossett
April 24th, 2019 Antioch, TN

Celeste was my agent at Freedom Plus and did a great job in getting our loan approved. She was very professional and efficient during the process. I recommend her if you need a loan at Freedom Plus!!

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Antonio Gastelum
April 24th, 2019 Long Beach, CA

Ericka R helped me with my loan. She was nice, courteous and informative. Answered every question I had and processed my loan quickly. Very professional.

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Jami
April 23rd, 2019 Herriman, UT DETAILS
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The process was SO easy and fast. Everyone was SO helpful.

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D. Smith
April 22nd, 2019 Los Angeles, CA DETAILS
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FeeedomPlus gave me the least amount of hassle in getting the loan I desired. The loan officer was courteous, knowledgeable, to the point and fast acting. FreedomPlus was considerate of my loan needs and customized my loan. I wish interest rates were a bit lower but overall Good Job!!! FreedomPlus.

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Loren Fielding
April 19th, 2019 Clifton, VA

I do not normally answer robocalls, but this time I'm glad i did. The caller was Sean G from FreedomPlus with a common sense pitch which fir well with my current needs. He continued to guide me through the thicket of a personal loan transaction and the deed was done in a few hours. The only drawback was the transfer of funds which took a couple of days longer than expected. But when finished, all was as agreed.

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Chad
April 19th, 2019 Pompano Beach, FL DETAILS
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The loan application process was streamlined and easy to complete. My loan representative was courteous, efficient, and professional in all regards.