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FreedomPlus

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2,136 User Reviews

6.6

Overall Score

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Author: Jenna Vasquez

LAST UPDATED: April 12th, 2022

Since its founding in 2014, FreedomPlus has aimed to create a unique and valuable personal loan experience for its customers. 

Known for its debt consolidation services, FreedomPlus 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: FreedomPlus rates and terms

  • APR range — 7.99%–29.99%
  • Loan amounts — $7,500–$50,000
  • Loan terms — 24–60 months (2–5 years)
  • Min. credit score — 620
  • Origination fee — 0%–4.99%

Jump down to FreedomPlus 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

FreedomPlus's 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, a loan consultant will get in touch with you to complete the transaction. 

FreedomPlus has extremely fast approval and funding times — receive funding in as little as three days.

Same-Day Lending Decisions

FreedomPlus 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 FreedomPlus 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, FreedomPlus might be a good match. Unlike many competing lenders, FreedomPlus 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

FreedomPlus 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

FreedomPlus 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 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 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 FreedomPlus 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 FreedomPlus pay your creditors on your behalf.

No Prepayment Penalty Fee

FreedomPlus 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

FreedomPlus 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

FreedomPlus loan reviews outline that FreedomPlus is a trustworthy and high-standard lender. 

Reviews highlight reasonable rates and fees, simple repayment options, and exceptional customer service, frequently naming specific FreedomPlus loan consultants. This can provide peace of mind to potential borrowers that FreedomPlus 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
  • Speaking with a Loan Consultant Required

Origination and Late Fees

FreedomPlus charges an origination fee between 1 percent and 4.99 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 FreedomPlus 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 FreedomPlus so that you have a better idea of what this fee may look like for you.

In addition, FreedomPlus charges a $15 late fee for any late payments.

High Minimum Loan Amount

FreedomPlus doesn't offer small loans — the minimum loan amount available is $7,500. 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 FreedomPlus' expertise in this area since it offers a higher minimum loan amount.

Cosigners Not Accepted

FreedomPlus 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 FreedomPlus 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.

Speaking with a Loan Consultant Required

Once you submit your FreedomPlus loan application online, you are required to speak with a loan consultant over the phone. This can remove the convenience of an entirely online loan process, but can also be helpful if you have poor credit, since your loan consultant will inquire about your finances beyond your credit report to make an approval decision.

If you would prefer a quick and easy, entirely online process, there are many lenders available that may better fit your needs.

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The Bottom Line

FreedomPlus 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 $7,500 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 FreedomPlus 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, FreedomPlus 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, FreedomPlus 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, FreedomPlus is a quality personal loan provider.

*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.

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User Reviews

Star Rating

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4.6

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2,136 Reviews

Review Breakdown

5 grade

79%

4 grade

10%

3 grade

2%

2 grade

2%

1 grade

7%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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PVR Chicago, IL

I feel very fortunate that FreedomPlus gave me an opportunity to consolidate my debt. My consolidated payment is lower than what I was paying to each card altogether and I'm now out of a vicious cycle of handling interest on top of my balance. My interest rate is lower than what I was paying, although not amazingly lower...it's still lower and strategically that makes a difference to me. There's no penalty to pay off my principal balance ahead of schedule, so that's advantageous in getting further ahead of the interest rate. That being said, I can rely on a low monthly payment if needed. I considered giving 3 stars because of the interest rate still being double digit, but it's personally meaningful enough to warrant at least 4 stars considering no company is obligated to assist -- it's simply their opportunity. Overall I have some breathing room, and I'm very grateful to be able to have a more manageable method to handling my debt. Had a rough patch, but many more years to work well ahead of it. The process was comfortable, and the old balances were paid in about 7 business days. Thanks again, FreedomPlus!

6 years ago

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Roy Stewart Jr Plaquemine, LA

So far I am satisfied with Freedom plus. When I decided to look for a loan, it seamed like no one would approve me because my credit wasnt the best. I also was skeptical about doing business with companies I haven't heard of before because there are so many scams going on now. So at this point freedom plus reach out to me. I looked online to get some reviews on them. The reviews I read for the most part weren't bad. I did read about the fee they charge up front that they take out of your loan that i wasnt ever told about. So I asked Nancy who works for freedom plus. She explained it to me and I was satisfied with it. I spoke on the phone with Nancy several time to assure she was legit before I moved forward with the loan. I am happy to say that everything has gone good so far. I'm waiting for my companies that I had freedom cut checks out to receive there funds, which takes about 5 to 10 business days they told me.

7 years ago

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Yuki New Haven, MI

Experience was expedient, concise, and enlightening. I fully trust FreedomPlus with my business at this time. I much appreciate being able to fit the calls into my work schedule. It makes life much more convenient. -1 Star for trying to push me into debt consolidation when I specifically requested a loan though, and another for being unable to disclose fees over the phone. It's one this to offer consolidation, but another to sugar coat it as a similar alternative. Loan funds cleared today in almost exactly 7 days, so funding was quick & painless. (I did get worried midway while waiting).

7 years ago

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Marisol Brownsville, TX

I found Freedom Plus through Lending Tree. I had clicked on debt consolidation & immediately received a phone call from Thomas. Once I explained to him that I wasn't looking into negotiation with any of my creditors, he clarified they could help me with a personal loan to consolidate my debt without having to do any negotiations. He then transferred me to Dana, who helped me with the entire process. Although I would've liked a lower interest rate & no origination fee, I know what my credit score looks like & am pleased that my new interest rate is considerably lower than what I currently have on my credit cards. Thank you, Thomas, for transferring me to Dana. And thank you so much for your help, Dana!!

9 years ago

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Chris I Pineville, LA

I am pleased overall with the quality of service and professionalism that Brittany gave me while helping me through the loan process. It was easy to get approved and the whole process took about 24 hours to complete and sign the loan documents. There are a couple of drawbacks, which may affect everyone differently. There is a loan origination fee up to 5% which you may get a discount on depending on your credit score. Your interest rate may be high as well depending on your credit score. That is the reason I am giving the rating of 9. I'm not pleased with those 2 factors, but I needed a loan and they provided it with no questions asked. My bills got paid within the 14 days like they promised, so I'm thankful for that. I called customer service for my welcome call once I received my funds and customer service was very professional and courteous and answered any questions I had. I was told to call back in 6 months and that if my credit score goes up and I made 6 consecutive payments without being late that my interest rate may drop. Overall I am very pleased with my decision to get a loan from Freedom Plus.

9 years ago

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James Grady

The application process was simple as stated in the review. I would like to have seen more information on the website though. After I applied online I was contacted quickly by a representative. I uploaded a few forms via a secure link and made arrangements to speak on the phone the next day. The company was prepared to do more that same day but I was busy and needed the extra time. The rest of the process was straight forward. The phone calls were on time and efficient. After a review of my credit report the representative went over the repayment options and I chose the one that best suited me. I was a bit worried that it might turn into some sort of high pressure experience but that didn't happen. The interest rates were clearly presented to me over the phone and I took a couple of hours to think and choose before committing to one. It was a good experience all together.

9 years ago

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RebeccaWalker Newport News, VA

Osvaldo Lara helped me tremendously with my financial situation. I was told by Freedom Debt Relief that I did not qualify for a consolidation loan even though my credit score was 750. I agreed to enter their program, only to find out later , to my great dismay, that the program was going to destroy my credit. By providing me with the loan consolidation option, Freedom Plus has allowed me to get my debts into a manageable state without destroying my credit. Osvaldo was patient and persevering, and although he did not think that he could help me at first, he agreed to try and much to both our delight was able to after all. He rushed through the paper work, answered questions, and praised and reiterated my initial thought that a consolidation loan was in my best interest. He seemed to be as excited as I was that I was not making a huge financial mistake by continuing down the path with Freedom Debt relief, and seemed happy to have been a part of that process. I am grateful to Osvaldo and Freedom Plus, and I'm looking forward to working with them in the future. everyone gets over their heads sometimes when it comes to debt, and I am thrilled the Freedom Plus has agreed to lend me a hand up. Thanks again to Osvaldo Laralfor his help Rebecca Walker-new customer with Freedom Plus

10 years ago

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Rebecca Phillips Asheville, NC

I was very happy with the service I was provided up until the actual loan was paid out. I was told that 50% of the loan proceeds needed to be dispersed to my creditors directly by Freedom Plus but when they actually tried submitting fees to 2-3 of my creditors, they claimed that they couldn't get the payment to go through and then they had to credit the money back to my account and then I had to actually pay my creditors. We gave them the exact information that we use in our bank account for direct bill pay, so I'm still confused as to why they were unsuccessful. Instead of trying to figure out the problem or whether it was THEIR human error, they threw it back in my lap. My preference would have been for us to handle it from the beginning anyway, so this stressed us out because we ended up double submitting payments because we were scared that we'd be late because they didn't submit the funds for us.

10 years ago

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Stanley Marion, IA

I had a personal loan that was killing me on the interest rate, it was 25.84% (I know, UGH!) and it was for FIVE years. I called FreedomPlus and worked with a VERY NICE gentleman who was extremely attentive to my needs, answered every question I had and left nothing to be uneasy about. I was able to fund a loan for $2,000 more than the payoff of my crushing personal loan at THREE years instead of five and at an interest rate of 18.99%. That cut 6% off my interest rate, gave me $2,000 more dollars and all it boiled down to was $120 more per month. I know that may not be possible for everyone to come up with an extra $120 per month, but I used the extra $2,000 to pay off smaller debts that required a $25 minimum monthly payment, so racking those up, I was able to save $100 in smaller monthly payments, so it came out to be an actual $20 more per month!! I think FreedomPlus is excellent. Sure, 18.99% is not "the best" interest rate out there, but for people who are building/rebuilding their credit scores, it sure is better than some of the "predatory lenders" out there. I recommend them highly!!

10 years ago

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Gavnichols San Antonio, TX

Getting started with Freedom Plus was easy. I got started with Freedom Financial and started on the process to pay off several credit cards. After a year of regular payments--also easy because I made autopayments--my entire "portfolio" was restructured under Consolidation Plus. Then, after another couple of years, it was restructured again under FreedomPlus--this time at a much lower interest rate. All of the work was handled online and over the phone and was done in a matter of minutes--not hours or days.

4 years ago

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Theodore Patterson Sayreville, NJ

I was solicited for a consolidation loan. I was told that my % would be much less than the % I was paying on the Credit Cards I was consolidating. The loan was easy to get, The company is easy to deal with, and the consolidation did help a bit. However I was paying between 19 & 24 % on the credit cards and I am now paying 19+ % on this loan. NOT exactly a game changer

6 years ago

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Jody Keyes Fort Bragg, CA

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.

6 years ago

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Vernon B. Mission Hills, CA

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

7 years ago

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Sean Robinson Louisa, VA

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

7 years ago

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Jennifer Ann Coodey Hawthorne, CA

Jonathan, the gentleman who helped me through the application process was very efficient & helpful. However, he did tell me that my cards would be paid off in a few days & after more than a week I called customer service & was told it would be at least 10 business days. That's 2 weeks, not a few days. So either Jonathan didn't really know exactly how long it would take or he was exaggerating a bit.

7 years ago

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Mary E. Carmichael Forsyth, GA

From the first email and phone call everyone at FreedomPlus was helpful. It was easy to apply and all was taken care of in a very expedient manner. I cannot give a first rate rating as the process has not been completed as far as my debts being paid, but if all goes well from this point out I will be very happy and well on my way to being debt free.

7 years ago

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Lisa Prescott, AZ

Adan N helped us with our original loan and refinance. He was patient and answered all our questions, provided several potential options as well as things to consider with each option. The process was simple and quick. It's true that the interest rates are quite high, but when compared to the cumulative interest and overall payment to credit cards it's definitely a win.

7 years ago

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Gary Arlington Heights, IL

I really enjoyed the process was easy and actually quite simple . The only issue they don't send any billing etc. If I don't remember then you are a few days late (still my fault0 then in my case a girl calls as a bill collector and when I go on to make a payment it won't allow me as a result I got hit with a late fee because I could not process payment. Otherwise I do like they them.

7 years ago

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Danielle Houston, TX

Kathi was amazing! She talked me through my options to help me find a solution that would work for my various priorities and credit concerns. She explained the difference between good and bad debt as well as the difference between simple and compound interest to make sure that my first big loan would really work for me and my budget. It took less than 24 hours from our first phone call to completion!

7 years ago

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Tracy Washington, PA

David S. was Great! He answered all my question, was very knowledgeable regarding the entire process. I can’t say enough wonderful things about him. He gave me advice and guided me thru the process, returned all my calls very quickly, help me get my loan processed and completed! I’ve been dealing with freedom for many years. It’s started with debt consolidation then a my finial loan! You guys are the best! Thanks again David S. Great job!

8 years ago

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William Day Riverview, MI

Worked with Raegina, who did an excellent job, to help secure a personal loan. She understood my issues, and provided the best options available. She made the process simple and easy to understand. Received the money in my account and direct payment on credit card expediently. The only drawbacks to my loan are the high origination fee charged, and a high interest rate. Given the high 5% fee charged, I felt the interest rate of 15.75% should be a little less. Or, the other way around.

8 years ago

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Susan Elahahed West Chester, PA

I wanted to consolidate my bills. I had called other companies but either got a bad feeling when I talked with them or phone messages were not returned. When I called Freedom Plus, I was happy to find the process was quick and easy. I was approved while on the phone. The person helping me followed up with emails and didn’t leave me hanging like I had experienced with other companies.

8 years ago

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Maggie H

I like the fact your company helps people that are in need. The only thing I don’t agree with is when you get the loan, you are told you can refinance but I don’t agree with paying the fees again when the borrower is paying back the same company. I think either the fees or a discount should be given to your own customer. It’s nit right to pay twice.

8 years ago

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everett williams Silver Spring, MD

A loan has been approved for me. My representative , Amanda Arkell did an excellent job and walked me through everything. She was MOST helpful and courteous and professional. She made sure that I understood everything and gave me her utmost attention as we went through the process. I am delighted to have heard about FREEDOM PLUS just at an advertisement on my computer screen as I was getting ready to login to my email account. CONGRATULATIONS to this organization!

9 years ago

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Dawn Hugo, MN

My rep was absolutely fabulous! Brittany S. answered all of my 250 questions I had and was very professional. Very knowledgeable and patient with me. She answered her phone every single time I called her. Answered every email I sent her in a timely manner. She made sure I understood the things she was telling me before hanging up. My loan process just finalized 1 day ago, so I'm not sure about all the other reviews I may make in the future. But so far so good as far as customer service goes. Process was pretty smooth, just needed a few necessary documents to get rolling.

9 years ago

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Janis Slidell, LA

I wish the website gave more information, but it was very easy to get started. All the paperwork took just over 24 hours and now I'm waiting for my credit cards to be paid off. I do like that there is a deduction of the interest rate if you're using the loan to pay off debt and if you have money saved for retirement. I'm hopeful that once I start making payments online that the website is easy to navigate. Customer service was definitely top notch! My advisor, Liz, was very informative and helpful. I'm very glad to have the huge burden of credit card debt taken off my shoulders!

9 years ago

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Joyce

My experience with Freedom Plus was superb. The loan application process was quick and simple. My loan officer Charles S was absolutely great and he walk me through the whole process. He was very accommodating. I was very nervous like the previous reviewer doing this online for the first time but everything went through smoothly. I am now waiting for my loan to be funded. I would have given a 10 but the interest rate could have been somewhat less since they charged the origination fee. Still I am grateful for them accepting my application and giving me the loan.

9 years ago

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Jon Erdman Austin, TX

Excellent personal customer service!! Very reasonable rate given my credit score. I only give a 9 rather than a 10 because it would have been nice to not have to pay an origination fee, but it wasn't exorbitant. Elizabeth S was extremely pleasant to deal with and perfectly clear about the terms and implications of the various choices, and took the time to listen carefully to my situation, and the goal I wanted to achieve, and helped ensure I received every discount I was eligible for.

9 years ago

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Richard Zavala Newington, CT

Ozzy L was very helpful and the process was quick and painless. My suggestion is slow down when speaking with potential customers. I would ask questions and back up, but to me when talking fast it seems like you are trying to get one over one someone. This might not be the case but it can come across that way. Over all a great experience Ozzy was very helpful and I am glad I found you online. I would recommend the company.

9 years ago

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Lisa B Oldsmar, FL

I would like to say this loan was much easier to get than I thought. Ozzy was very professional, courteous and knowledgeable in his role. I would definitely recommend Freedom to my friends and family if needed. We had a little trouble getting the documentation over the email but Ozzy continued to work on it and eventually we did receive everything we needed. He answered all of our questions and we had more than a few. It was a pleasure working with you Ozzy, keep up the good work!

9 years ago

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Susan M. Smith Dover, DE

Procuring a loan was quick and easy and, best of all, they only charge simple interest on one's loan. The person assisting me was very helpful, respectful and knowledgeable. The process was quick and easy and I especially liked the way they had set up an electronic signature which automatically sent you a copy of the contract you had just signed.

10 years ago

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Javier Hernandez Laredo, TX

Everything went as expected, i would have rated your company a 10. The only thing that could have been done different is that instead of mailing out checks to creditors, to deposit the money in my account. I will have to maybe make two more payments if the checks that are suppose to go out in two weeks are late. If whomever was in charge to pay them out would have contacted me i would let them know i have payment access to all my accounts to be payed off.

11 years ago

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Jamie Opelousas, LA

Jermaine Jordan was very helpful and answered all my questions concerning my loan. I was approved and documents signed in less than 24 hours. I rated Freedom Plus a 8 because of the interest rate, a little steep, especially for someone who has good credit! Overall professional, quick loan approval, and spent time answering my questions. Negative, interest rate too high!

11 years ago

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Douglas Fairfield Spring, TX

Jermaine Jordan was extremely helpful & completed approval & loan in less than 24 hrs. Easiest loan we ever received. I rated the company a 9 because of the interest rate. The advertising shows a much lower rate, but upon receiving docs I was shocked at the rate. I will try to pay off early to maybe save a little in costs. I've read the other reviews and find that if one needs a loan and can't get it any place else.........thus the high interest rate, but it got approved.

11 years ago

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Chuck Jensen Anoka, MN

No brainer - it was no hassle, rate was excellent, and every month like clockwork I got an update. I'll use them again on the next one I need. It does seem they draft the $ on a variable date which is the one thing I'd change.

6 years ago

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Leonard J.(Lenny) Kulwicki Pittsburgh, PA

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

7 years ago

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Jeremy Ypsilanti, MI

Once I got in touch with my agent, everything was completely smooth sailing. My options were clarified, along with any missing prerequisite information and what to expect in the procedure. None of that was readily apparent through the online portal, so 4 stars.

7 years ago

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Roger Buford, GA

The process of acquiring a loan thru freedom plus was made easy by the customer service representative. They walked me thru from the beginning to end to make the experience fast and easy. I able to finish the loan with in three days.

7 years ago

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D. Smith Los Angeles, CA

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.

7 years ago

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Tina Stuart Stanton, CA

The process was very quick and easy, from start to finish. I was a little bit disappointed in the interest rate I received, as I thought they should have been able to offer me a lower rate. But overall, I am very pleased with my experience and I am looking forward to being debt-free in the next 4-5 years!

7 years ago

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Cynthia J Abela Huntington Beach, CA

Had a great experience, just a little slow to pay off creditors. It took 2 weeks to pay off the creditors. I feel there should be a quicker way to make payments with all of the advanced technology. However, that being said the experience was great overall. Great customer service and response time.

7 years ago

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Mary R. Juarez Kansas City, MO

so far I haven't seen any concerns, I dealt with a pretty well informed person and I'm so far satisfied, and I hope everything goes okay, and I'm out of debt within the two years as promised. This is a good thing for lower income people to help them get ahead in their life and not get bogged down by creditors.

7 years ago

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MomOfTwo Springdale, AR

Entire process was simple. However, we signed the loan papers 12 days ago and disbursements haven’t been sent or received. Disappointed it’s taking so long. I reached out to customer service 3 days ago and haven’t heard anything back yet.

7 years ago

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Charles E Mickler Auburn, GA

Not as easy as some to apply and getting approved takes several extra additions to application. Slow to apply funds after loan is approved but customer service is easy to connect with and quickly provides answers to questions and issues.

8 years ago

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Ann G

I applied for a loan, and was granted the loan the same day. My loan officer was very helpful and efficient. Took some time for the dispersments to happen whichcwaa not bennifical to me, but in the end all worked out. Customer service has been helpful with my questions.

8 years ago

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Elizabeth E REID Vinton, VA

We spoke with Kathi Friday evening and within 24 hours, we had been approved, documents were electronically signed and funding process had begun. She was extremely easy to work with and v wet pleasant. Overall a very rewarding experience. Could only have been better with a higher loan amount but that was out of her control.

8 years ago

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L Tihista Sidney, MT

The entire process from beginning to end was very simple to do. The representative made me feel very comfortable, as sometimes getting a loan can be daunting for some. He allowed me to ask questions, and had answers for all of them. This loan option is a good one for anyone trying to rebuild credit after a bad situation. Thank you so much!

8 years ago

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Sonya Pearson Henderson, NV

Doing business with Ken W is very pleasant and he comes across as a 'professional'. It's disappointing, however, that we could not do (new) business regarding my original loan by refinancing my balance. Maybe another time, like in the near future.

8 years ago

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Manuel Estrada San Jose, CA

My Loan Consultant was Michael "Adam" S. He did a wonderful job helping us with our loan. He knew what he's doing and comfortable working with him. Thanks Michael with your big help and rest assured that you'll be recommended to some of my friends and siblings.

8 years ago

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Henry Amor Hockley, TX

I just want to thank Freedom Plus for being there when I needed them. They are saving me money by allowing me to have just one payment instead of two. They walked me through what was needed to accomplish me task. Thank you Freedom Plus!

8 years ago

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