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Customized Personal Loans
FreedomPlus offers personal loans designed to fit your unique needs and budget.


What Is FreedomPlus?

FreedomPlus is a personal lender for customized personal loans designed to fit customers’ unique needs and budget, while helping improve their financial outlook. While these loans can be used for a variety of purposes, FreedomPlus is specifically designed as a loan to consolidate and pay off unsecured debt. 

How does FreedomPlus work?

FreedomPlus provides options to talk to a loan consultant or apply online. Their friendly team goes beyond your credit report to qualify you for a loan and identify potential rate discounts**. If approved and you agree to the interest rates FreedomPlus offers, you could qualify same day with funds sent in 24-72 hours. 

Like many personal lenders, FreedomPlus offers free, fast quotes. You can use the slider on their homepage and answer a quick questionnaire to see what you may qualify for. When you apply, a soft credit pull is done as part of the pre-qualification process. If you are pre-qualified and choose to proceed with an application, FreedomPlus will perform a hard pull on your credit score and provide you with a decision. 

What FreedomPlus offers

FreedomPlus offers a range of loan options for individual borrowers, including help with tackling your credit card debt. You can submit an application with a loan purpose of “other,” but it’s best if you can choose a specific reason for taking a loan. 

FreedomPlus Personal Loans 

FreedomPlus offers the following personal loan products: 

  • Credit card refinancing
  • Debt consolidation
  • Home improvement
  • Major purchase
  • Wedding
  • Travel/vacation
  • Car/Auto Maintenance
  • Medical expense
  • Moving
  • Miscellaneous “other” loans

Potential Rate Discounts Available 

FreedomPlus offers potential rate discounts** with: 

  • A qualifying co-applicant
  • Direct pay to creditors
  • Retirement savings

FreedomPlus Fees and Costs 

FreedomPlus charges transparent rates that are listed on their site. There are no application fees or prepayment fees. The loan origination fees vary from 1.99% to 4.99%, though most loans will have a loan origination fee of 4.99%*

Here are the costs associated with a FreedomPlus loan*: 

  • APR: 7.99% to 29.99%
  • Rates: 5.99% to 26.99%
  • Loan Term: 2 to 5 years

FreedomPlus Customer Service 

Expert Loan Consultants work with borrowers to tailor the best loan terms, rates, and discounts for them. And every day of the week, customer service representatives are ready to provide any help you need. Customers can create online accounts to manage their loans and access FreedomPlus resources. 

Freedom Plus Reviews 

FreedomPlus has an extensive history of customer reviews on impartial platforms like the Better Business Bureau(BBB). 

FreedomPlus has an overall A+ BBB rating, as most customer concerns are adequately resolved. FreedomPlus appears to be very willing to handle customer concerns and inquiries over email, phone, or messages on the BBB. 

How to Apply with FreedomPlus 

Applying for a loan with FreedomPlus is easy. You can get started right away on the FreedomPlus website

To receive an initial decision, you will need to provide the amount of money you want to borrow, the purpose of your loan and basic personal information (name, address, phone number, income, etc.). Within 2-3 hours a credit decision is made and if you qualify you’ll receive loan application documents. 

Applying for a FreedomPlus loan is similar to applying for a personal loan with other lenders. In some ways, they make the process even easier. For example, FreedomPlus accepts co-borrowers and doesn’t charge a prepayment penalty if you want to save on interest by paying your loan back faster. 

Make sure you’re prepared with all the necessary documentation if you want to make a formal loan application. This typically includes, but is not limited to, a government ID and social security number.  If your loan is approved, your funds will be sent from FreedomPlus. 

FAQ About FreedomPlus (3)

  • Is FreedomPlus a good company?

    FreedomPlus has an excellent 4.9-star rating on Trustpilot based on 3,680 customer reviews. FreedomPlus’ Better Business Bureau (BBB) reviews also are largely positive, and the A+ BBB-accredited lender has a 4.75-star rating based on 1,305 reviews.

  • Is FreedomPlus a loan company?

    Yes, FreedomPlus is a consumer-focused lender that helps you find a personal loan that fits your unique needs and budget, while helping you improve your financial outlook.

  • What types of loans does FreedomPlus offer?

    FreedomPlus offers personal loans that can be used for credit card refinancing, debt consolidation, home improvement, major purchases, weddings, travel/vacations, auto/car maintenance, medical expenses, moving, and miscellaneous “other” purposes.


Reviews 99


FreedomPlus Products and Services

Why Us

Fast Loans

Once you apply, a credit decision is typically made within 2-3 hours and if you qualify,same-day approvals and funds are sent within 24-72 hours.†


A soft pull, which doesn't affect your credit score, is done as part of the pre-qualification check. If you pre-qualifY and wish to continue the application, you’ll be asked to authorize a credit inquiry (hard pull) as part of the application process.


It is easy to find information about FreedomPlus loans. Their fees are presented transparently, and you can easily find information.




Access Discounted Rates

If you have a qualifying co-applicant, set up a direct payment to creditors or a certain amount of retirement savings, you can access discounted rates on your FreedomPlus personal loan. See if you pre-qualify without affecting your credit score.

Get a Personal Loan

Visit the FreedomPlus website to provide the amount of money you want to borrow, the purpose of your loan and basic personal information (name, address, phone number, income, etc.) and receive an initial decision as soon as 2-3 hours. † 

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This page’s information results from independent research by our editorial team, who does their best to reflect factual and accurate information about the financial institution and its products. Financial institutions are not responsible for the content posted on; visit the financial institutions’ website or contact it directly if you have any questions.

If you work for this financial institution and want to adjust any information, contact us at [email protected].

† These time periods are merely estimates and are in no way a representation or promise by FreedomPlus. Same-day approvals assume that you provide a fully completed application with all required supporting documentation early enough on a day that our offices are open. FreedomPlus loan consultants are available Monday-Friday 6am-7pm PST and Saturday-Sunday 7am-3pm PST

*All loans available through (NMLS ID #227977) are made by Cross River Bank, a New Jersey State Chartered Commercial Bank or MetaBank®, N.A., Members FDIC, Equal Housing Lenders. 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. Terms and conditions apply. 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: Arizona under $10,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 7.99% 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 7.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Loan origination fees vary from 1.99% to 4.99%, though most loans will have a loan origination fee of 4.99%. 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 also qualify for the lowest rate available.

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