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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply for a Freedom's loan



To obtain approval of a loan application from a Freedom Financial Network, the borrower must:

  • Have a minimum of 620 FICO credit score;

  • Have a stable, provable source of income;

  • Be of 18 years old or 19 in AL;

  • Be a citizen or permanent resident of the United States.

Application details

To complete the loan application, the borrower must upload the following documents:

  • A valid state-issued ID or driver's license;

  • Proof of income;

  • Bank statements;

  • Tax returns;

  • Pay stubs.

The application process takes 10 minutes. The client receives a response within 2-3 hours and, on the same day, downloads the necessary documents and signs the loan agreement.

How to apply for a loan

The client can apply for a loan to the Freedom Financial Network through the website of the subsidiary FreedomPlus. To do this, you need to do these simple steps:

  1. Go to the FreedomPlus website and click Apply.

  2. Select the amount you want to take.

  3. Select the purpose of the loan.

  4. Choose your state of residence.

  5. Enter your name, email, and phone number.

  6. Select employment status.

  7. Enter your annual income.

  8. If you have a co-applicant, then enter their annual income too.

  9. Enter zip code and home address.

  10. Fill in your date of birth.

  11. Enter the SSN and click Submit.


What documents do I need for Freedom Financial?

To apply for a personal loan with the Freedom Financial Network, you need to upload a valid state-issued ID or driver's license, proof of income, bank statements, pay stubs, and tax returns.

What credit score does Freedom Financial require?

To be eligible for a loan in Freedom Financial Network, your credit score must be at least 620.

Can I apply for Freedom Financial Network if I'm self-employed?

Yes, you can have self-employed status and be eligible for credit. However, your income should be stable and provable.

Calculate loan payments at Freedom

Freedom calculator will allow you to calculate an approximate payment schedule for the loan

Freedom calculator
Interest rates are given in accordance with the rates of the Freedom in Washington, D.C. as of 25.09.2022
Loan amount

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5000 $
50000 $
Loan term

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What to focus on before applying for a loan with Freedom

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Freedom and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Freedom’s reviews by September 2022
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