NorthWestern Financial Review


FreedomPlus Overall rating: ★★★★★ 4.8 based on 5 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

Request a Loan

FreedomPlus is an online lender that offers personal loans ranging from $7,500 to $40,000 in 35 states. The lender works a minimum FICO credit score of 620. They advertise competitive interest rates and flexible repayment terms.

Company name FreedomPlus
Founded 2013
Address 1875 South Grant St, Ste 450 San Mateo, CA 94402
Phone number


  • Easy application
  • Fast funding
  • Can directly pay off the debt you’re consolidating
  • Loans can be used to various purposes
  • Co-borrower discount
  • Direct pay discount
  • Retirement assets discount
  • Allows co-borrowers
  • Help from loan consultants
  • Works with fair credit
  • No hidden fees
  • No prepayment fee
  • An A+ rating with the Better Business Bureau


  • Not available in all states
  • Origination fees up to nearly 5%
  • Wide APR range
  • Must talk to a loan representative via phone to complete the application process
  • High minimum loan amount
  • Not the highest loan amount
  • No instant decision of application status
  • Does not work with bad credit

Bottom line

FreedomPlus loans are best for you if you have a good credit and at least 3 years of credit history, if you need a personal loan of at least $7,500, and if you who want to apply with a co-signer. Do not forget to compare other offers before applying for their personal loans.

Types of loans

FreedomPlus offers personal loans for a variety of purposes, including:

  • Credit card refinancing;
  • Medical expenses;
  • Moving expenses;
  • Debt consolidation;
  • Wedding expenses;
  • Travel and vacations;
  • Business expenses;
  • Home improvement;
  • Auto purchases;
  • Major purchases.

For starters, you can borrow between $7,500 and $40,000 from FreedomPlus, and you can get your money in as little as three days. Its interest rates range from 5.99% to 29.99% APR, and you’ll have anywhere between 24 and 60 months to pay off your new loan.

Loan requirements

To qualify for a FreedomPlus personal loan, you must meet the following financial requirements:

  • Be at least 18 years;
  • Be a legal US resident;
  • Have a valid phone number and bank account in your name;
  • Have an annual gross income of at least $21,500;
  • Have a maximum debt-to-income ratio of 45%;
  • Have a minimum FICO score of 620;
  • Have a minimum of three years of credit history.

Category: Online Loans

Tags: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington

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FreedomPlus Reviews

Excellente customer service and they pay directly creditors which is nice!!!!
- Matthew Watkins

As a previous client, FreedomPlus contacted me when I was eligible for a better APR. Very professional approach and I really love the speed that they worked.
- Alberta Allen

They offer very high interest rates, and I did not like that you must talk to a person to complete a loan. If you choose debt consolidation as the loan purpose and allow them to direct pay creditors, you can be approved for a higher loan amount.
- Dorothy Flemming

I worked with a person who was nice, efficient and knowledgeable. The entire process with approval completed in one day. Would highly recommend FreedomPlus for any type of loan servicing.
- Salvador Alford

The manager I spoke to was friendly, knowledgeable, easy to work with. He explained me everything in detail. He made it fast and easy to complete the application!
- Kala Lyle

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