FreedomPlus Personal Loans Review

Rating: 9.8 / 10 (Excellent)
4 Customer Reviews - see all comments
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FreedomPlus offers loans of $10,000-$35,000 to prime or near prime consumers for purposes of debt consolidation, home improvement, and other major purchases and expenses. FreedomPlus provides unsecured personal loans that let people more effectively consolidate debt with over $500M in loans originated to date.

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 been recognized by Bloomberg Businessweek, the San Francisco Business Times, and the Wall Street Journal for its 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 (except 19 in Alabama)  

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

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.

FreedomPlus Loan Discounts

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

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. 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.


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

Latest FreedomPlus Reviews

andre m
Atlanta, Georgia

was initially approved but was told that the underwriters declined my request, then i was told they are more strict than the companies ive worked with and have paid off in the past even with a 705 score (i.e. lending club, upgrade, prosper) the customer service sucks, its bad when you are approved but it really sucks when the (UNDERWRITERS) change their minds midstream!!!!,

Serena b
Chicago, Illinois

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

Antioch, 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!

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