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Freedom Cash Lenders: Read This Before You Borrow

17 min.

If you are looking for quick cash, you might be considering going to a payday lender like Freedom Cash Lenders. Payday loans can give you the funds you need when you are in a financial bind. However, they come with high fees and interest rates that can make them difficult to repay.

Freedom Cash Lenders: Read This Before You Borrow

In this article, we will examine the pros and cons of Freedom Cash Lenders and offer some alternatives to consider before taking out a loan.

What is Freedom Cash Lenders?

Freedom Cash Lenders is an exclusive online lending service that offers personal loans up to $1,000. The organization is operated and possessed by the Big Valley Band of Pomo Indians, which is a government-recognized tribal community belonging to America. The company doesn't provide any other means of lending except through online portals. Their official address is a PO Box located in Finley, Calif.

Freedom Cash Lenders has simple and straightforward application process, which can be completed online in just a few minutes. Applicants must provide basic personal information and employment details, along with some financial information related to their income and expenses.

Once an application is submitted, a representative from Freedom Cash Lenders reviews it for approval, and if everything checks out, the loan is approved and funded within just a few days. The company offers loan amounts up to $1,000, depending on the borrower's creditworthiness and financial situation.

Freedom Cash Lenders offers competitive interest rates, which are lower than those charged by traditional lenders such as banks and credit unions. This makes the company an attractive choice for those who have difficulty obtaining loans from traditional sources due to poor credit or other factors.

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Is Freedom Cash Lenders licensed?

Freedom Cash Lenders is licensed under the Big Valley Band of Pomo Indians Consumer Financial Regulatory Authority and operates under the regulatory power of the Big Valley Band of Pomo Indians Consumer Financial Regulatory Ordinance. Therefore, the company is regulated by the same entity that owns it. However, it is important to note that Freedom Cash Lenders is not licensed or regulated by any state or federal authorities.

Native American tribes have the right to self-governance, and the Constitution and legal precedents ensure their protection. Tribal officials have immunity from legal action while acting in their official capacity - this is referred to as "tribal immunity." Unfortunately, this immunity allows Tribal Lending Enterprises (TLEs) to evade regulations governing predatory lending practices. For example, TLEs can charge exorbitant interest rates, advertise loans online with false information, and modify loan conditions after agreements are made.

Financial regulators and consumer advocates argue that tribal sovereignty and immunity should only apply to internal affairs, and enterprises operating outside the tribe's jurisdiction should be subject to federal and state rules. The ongoing issue has sparked several court cases, and it's likely that the Supreme Court will ultimately resolve the matter. Until then, TLEs can continue to operate with impunity, avoiding any form of regulation or control.

How Freedom Cash Lenders works

Freedom Cash Lenders is a lending company that offers personal loans to people who need quick cash. The loan application process with Freedom Cash Lenders is quick and easy, and the lender provides competitive interest rates and flexible repayment terms.

To apply for a loan with Freedom Cash Lenders, you first need to visit their website and complete an online application form. The form requires your basic personal and financial information, including your name, contact information, employment status, and income.

Once you complete the application form, the lender will quickly review your information to determine whether you qualify for a loan. As a responsible lending company, Freedom Cash Lenders ensures that all their applicants can afford to repay the loan before approving their applications.

If your application is approved, you will receive a loan offer detailing the loan amount, interest rate, and repayment terms. If you accept the offer, you will then need to sign the loan agreement electronically, and the funds will be deposited directly into your bank account.

One of the great things about Freedom Cash Lenders is their flexibility when it comes to repayment. The lender allows borrowers to repay their Freedom Cash loans in weekly, biweekly, or monthly installments over a period of six months to two years. You can also make lump-sum payments or pay off the loan early without any prepayment penalties.

Freedom Cash Lenders also offers excellent customer service, and their customer support team is always available to help you with any questions or concerns you may have. Additionally, the lender makes it easy for you to manage your loan account through their online portal, where you can check your balance, view your payment history, and make payments.

Tribal Loan vs. Payday Loan

Tribal loans and payday loans are two commonly sought-after financial solutions for individuals who need quick cash. However, they differ in important ways that can affect your ability to repay the loan, and the cost of borrowing. Here's a comparison between the two loan types in order to help you decide which is right for you.

Payday loans are typically small, short-term loans with high interest rates that are due on the borrower’s next payday. These loans are usually offered by specialized lenders, and applications can be done entirely online. The interest rates on payday loans are usually much higher than other types of loans, making them a very expensive option. The borrower must repay the entire amount by the next payday or face larger fees and interest rates. This can make it very difficult to pay off the debt, and often leads to a cycle of debt.

Tribal loans, on the other hand, are offered by Native American tribal lenders. These loans are often marketed online as a more affordable alternative to payday loans. Tribal loans operate under tribal law and are therefore exempt from state or federal interest rate caps. As a result, tribal loans often come with high interest rates as well. However, some tribal loans are also amortized, meaning that the borrower can pay them off over time, rather than all at once. This can make it easier for the borrower to repay a loan over a longer period.

One of the main differences between tribal and payday lenders is the regulations that govern them. Payday loans are regulated by state and federal laws and have specific limits on the interest and fees lenders can charge. Tribal loans, on the other hand, are not subject to the same regulations and can charge higher interest rates.

In summary, payday loans are best suited for individuals who need a small amount of money for a brief period and can afford to pay back the loan in one lump sum. However, carrying over payday loans can lead to high interest rates and a cycle of debt. Tribal loans, on the other hand, can be longer-term loans that allow the borrower to pay off the loan over a period of time. However, their high interest rates can also lead to a cycle of debt. It’s important to compare the interest rates and terms of both types of loans before deciding which is right for you.

Pros and Cons of Freedom Cash Lenders


  1. Quick approval. One major advantage of Freedom Cash Lenders is that they offer quick approval, which means that borrowers can receive funds in their accounts within 24 hours of submitting an application.

  2. No credit check. Unlike many traditional lenders, Freedom Cash Lenders do not always perform credit checks on their borrowers. This can be a lifesaver for individuals with bad credit scores who may have a hard time obtaining loans elsewhere.

  3. Flexible repayment terms. Freedom Cash Lenders offer flexible repayment terms, allowing borrowers to customize their repayment programs to fit their individual needs.

  4. Easy application process. The application process for a short-term loan with Freedom Cash Lenders is quick and easy. Borrowers can apply online or over the phone, and they can receive funds in a matter of hours.


  1. High interest rates. Freedom Cash Lenders charge high interest rates on short-term loans, making them a costly option for individuals who are not able to pay off their loans quickly.

  2. Limited loan amounts. Freedom Cash Lenders often offer loan amounts that are smaller than what traditional lenders typically offer.

  3. Fees and penalties. Like many lenders, Freedom Cash Lenders impose fees and penalties on borrowers who fail to repay their loans on time, which can add up quickly.

  4. Unsavory reputation. Unfortunately, some Freedom Cash Lenders have gained a reputation for predatory lending practices, leading to increased scrutiny and regulation within the industry.

How to Apply for a Freedom Cash Lenders?

Freedom Cash Lenders offers personal loans to individuals who need funds for various purposes, including debt consolidation, home improvements, and unexpected expenses. The process of applying for a loan from Freedom Cash Lenders is straightforward, and it can be completed online or in-person.

To apply for a Freedom Cash Lenders personal loan, follow these steps:

  1. Visit the website. The first step is to visit the Freedom Cash Lenders website and navigate to the personal loans section. Here, you can learn about the different loan options available and decide which loan is right for you.

  2. Fill out the application form. Once you have chosen a loan that meets your needs, you can fill out the application form. The form will ask for your personal information, including your name, address, and social security number. You will also need to provide details about your employment, income, and expenses.

  3. Submit supporting documents. To complete the application process, you will need to submit supporting documents, such as proof of income and identification. You can upload these documents online or bring them in-person to a Freedom Cash Lenders branch.

  4. Receive a decision. Once you have submitted your application and supporting documents, you will receive a decision from Freedom Cash Lenders. If you are approved, you will be given a loan amount, interest rate, and repayment terms. If you are not approved, you will be provided with an explanation of why your application was denied.

  5. Accept the loan. If you are approved for a loan, you can choose to accept the terms and sign the loan agreement. You will then receive the funds, either as a direct deposit to your bank account or as a check.

Applying for a Freedom Cash Lenders personal loan is a straightforward process that requires filling out an application form and submitting supporting documents. By following these steps, you can apply for a loan and receive a decision quickly, allowing you to access the funds you need when you need them.

Alternatives to Freedom Cash Lenders

Freedom Cash Lenders is a lending company that provides fast cash loans to borrowers who need it urgently. However, if for some reason you are not willing to go with Freedom Cash Lenders or you're looking for other alternatives to get a quick loan, you're in the right place. In this article, we will provide you with some of the other top alternatives you could consider:

  1. Credit unions. Many Credit unions provide low-interest personal loans to their members. They are non-profit organizations, and their primary objective is to provide financial services to their members. The interest rates on personal loans offered by these credit unions are typically much lower than those provided by commercial banks.

  2. Friends and family. Borrowing money from your family and friends is an option, but make sure you have a repayment plan in place, so this doesn’t impact any personal relationship.

  3. Personal loan providers. Many personal loan providers, such as Avant, Lending Club, and Prosper, provide personal loans of up to $50,000 with low-interest rates.

  4. Peer-to-peer lending. Peer-to-peer lending platforms such as LendingClub and Prosper allow you to borrow money directly from individual investors, which could prove helpful if you have a less than ideal credit rating.

  5. Credit cards. Many credit cards offer cash advances. Cash advance is a short-term loan, but the interest rates are typically higher than loans from banks, credit unions or other sources.

  6. Secured loans. Secured loans are the option where you pledge collateral, such as a property or an asset, against the loan taken. The interest rates on secured loans are generally lower than unsecured loans, but there is a risk of losing the collateral in case you fall behind on monthly payments.

There are plenty of alternatives to Freedom Cash Lenders, ranging from credit unions, personal loans providers, peer-to-peer lending platforms, friends or family, secured loans to credit cards. Analyze each option carefully and opt for the one that best suits your current financial situation.


Where does Freedom Cash Lenders loan money?

Freedom Cash Lenders is a financial institution that offers a variety of loan products to customers in need of short-term financial assistance. As per their website, Freedom Cash Lenders provides loans to individuals residing in the United States of America only. They primarily focus on providing personal loans, installment loans, and payday loans to individuals who do not have access to traditional bank loans or credit cards.

How can I borrow money from Freedom Cash Lenders?

To borrow money from Freedom Cash Lenders, customers must first fill out an online application form, which requires basic information such as name, address, phone number, and employment details. The application process is relatively quick, and the decision to loan money is typically made within a few business hours. Once approved, funds are deposited directly into the borrower's checking or savings bank accounts, and loan repayment terms are outlined in the contract.

What is Freedom Cash Lenders reputation?

The reputation of Freedom Cash Lenders is mixed. While they have a rating of A+ with the Better Business Bureau, they have received several negative reviews from borrowers over the years. Some customers have reported difficulties in communicating with customer service representatives, while others have complained about high-interest rates and unclear loan terms. It is essential to thoroughly research Freedom Cash Lenders and read customer reviews before using their services.

How long does Freedom Cash Lenders take to fund loans?

The length of time it takes for Freedom Cash Lenders to fund loans depends on several factors, including the loan type, the amount requested, and the borrower's creditworthiness. Typically, once a loan application is approved, funds are deposited into the borrower's account within a business day. However, in some cases, it may take up to three business days for the funds to be disbursed. It is crucial to note that the loan approval requirements for Freedom Cash Lenders are not as stringent as traditional banks, but their interest rates tend to be higher.
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