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Freedom Plus Personal Loans Review

Rating: 9.4 / 10 (Excellent)
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FreedomPlus is a new personal loan company that specializes in providing up to $35,000 to people in debt with less than ideal credit scores. Typically, those with credit scores between 600 and 700 experience difficulty qualifying for loans, especially from large established banks and financial organizations. According to industry sources, half of this population will see their scores rise to qualifying-level within a year.

FreedomPlus has the technology and know-how to identify those individuals whose score will rise, and therefore is able to approve them for loans while their score is still low. What's more, FreedomPlus is backed by Vulcan Capital, the firm established by a Microsoft co-founder.

FreedomPlus provides its customers with an easy, transparent loan application process with no hidden fees, no prepayment fees, and rates guaranteed not to increase. Funds can be released as quickly as 48 hours from application. During the process, every qualified applicant is required to speak live to a loan consultant to finish his/her application. This is unique in the world of online personal loans, and provides confidence to the consumer who gets to deal with an actual loan expert instead of just a website. FreedomPlus agents can answer questions and concerns, and confidently guide the customer through the process.

FreedomPlus has recently been recognized by Bloomberg Businessweek, the San Francisco Business Times, and the Wall Street Journal for it's impact on the online personal loans marketplace and innovative business model.

FreedomPlus Loan Details

Loan Amounts


Minimum Period

2 years

Maximum Period

5 years

Loan Rates*






Application Details


Online Application Time

A few minutes


Must be at least 18 and a US resident.

What Personal Information is Required?

Verified income and bank account
Valid ID
Applicant’s signature

Direct Deposit


*Loan rate and APR that is shown in this chart are only ranges for borrowers who qualify for a loan. Take note that not all applicants may qualify for FreedomPlus’ personal loan program.

FreedomPlus Loan Representative Sample

Loan Amount: $15,000, Annual Percentage Rate: 7.93%, Number of Payments: 60, Monthly Payment: $303.64

FreedomPlus Loan Discounts

One very useful and unique feature of the FreedomPlus platform is the company's two discount offers.

  • If you are using the loan for debt consolidation, FreedomPlus will give you a discount if you allow the company to pay your creditors directly instead of handling it yourself.
  • If you have co-applicants FreedomPlus will offer you a discount as well.

FreedomPlus Loan Summary

FreedomPlus is a great choice for personal loans because of its simple online application process, quick approval and as little as 48 hour funding time. The company is also a particularly good choice for those with poor and fair credit scores because, as mentioned above, FreedomPlus is able to grant loans to those whose score is likely to rise. 

The personal loan lender only needs three requirements from their customers for their loan to get processed. Rates and other fees are also stated clearly making them one of the most transparent personal loan providers today. The discounts they offer make the company attractive, especially if you are in debt to several creditors with high rates and want to consolidate into one payment with a lower APR.


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Customer Comments & Reviews

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Serena b
I applied for a loan and was approved and Just needed to send my paperwork in. After I sent it in and haven’t heard from no one. I called my representative that I was working with Shardey because I could never get her anymore. No response to voicemails or emails. I finally got through to another person after about 2 weeks later and was told oh you were denied and she will give u a call to explain. I still haven’t heard back. I’m just constantly checking now to make sure there doesn’t end up being any fraud on my credit. Smh

Erin P
Denton, Texas
great I'm about to apply I'm very excited. i like how they know if your score will ruse.

Sacramento, California
I had a terrible experience with Freedom Plus! They have no right of rescission once the loan docs have been sent. I tried to cancel only hours after returning the docs because I found a MUCH cheaper loan. They said they would "try" to cancel it. I was surprised weeks later when it wasn't canceled and the funds were sent anyways. I was given unreasonable dates to return the funds in order to wave the origination fees which I found to be very high. I was charged for money I didn't want, didn't use, and I wouldn't recommend this company. Watch out!

St Louis, Missouri
Would like toborrow 1500 or 1000 and make a reasonable monthly payment

Ernesto A
Brandon, Florida
They hide many things like its a daily simple interest and once you sign that contract there is no turning back. I wanted to cancel my contract one day later and I was told i could not. Do your research before you do business with this company

Top Rated
Our Partner
9.8 / 10

  • Unsecured Personal Loans from $1,000 to $100,000
  • Loans for Debt Consolidation, Large Purchase, Home Improvement, Medical Expenses, and more.
  • Even Compares Top Loan Providers and Matches You Instantly
  • Rates Starting at 4.99% APR 
  • Loan Terms From 24-84 Months
  • Funds Available as Soon as Next Business Day
  • Loan Search Is Free and Will NOT Affect Credit Score