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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.



About lender

The Freedom Financial Network owns and manages the business of providing online personal loans under the brand name FreedomPlus. Freedom Financial Network is a company specializing in financial services and was established in 2002. The company has locations in Tempe, Arizona, and San Mateo, California.

In addition to offering its customers same-day personal loans, the parent firm of FreedomPlus assists individuals in resolving issues related to debt and improving their financial situations. Over three-quarters of the country can use the company's debt reduction services.

Pros and cons


  • Debt consolidation loans provide direct payment to creditors

  • Pre-qualification includes a soft credit check

  • There is an option for a joint loan

  • There are several ways to achieve a rate reduction.


  • FreedomPlus charges an origination fee

  • The minimum loan amount is high

  • There are no secured or co-signed loan options.

Terms and conditions

FreedomPlus provides unsecured personal same-day loans for the following purposes:

  • Consolidation of debts

  • Home renovations

  • Weddings

  • Large purchases

  • Vacations or travel

  • Medical costs

  • Moving or relocation costs

  • Purchase of a vehicle.

FreedomPlus examines applicants' employment history, income, credit score, and credit history as part of the qualification procedure.

In many situations, you may be approved for a FreedomPlus personal loan the same day you apply. In most cases, money is transferred to borrowers' bank accounts within 24 to 72 hours. If you're using the loan to consolidate debt, you can also choose to have the funds sent directly to your creditors.

FreedomPlus loans features:

  • Rates 5.99-26.99%

  • APR 7.99-29.99%

  • Terms 2-5 years

  • Origination Fee 1.99-4.99%

  • Prepayment $0.

Origination fees are based on the total amount of the loan and change based on the interest rate and length of the loan. To get a loan with an APR of 7.99%, a borrower will need to have excellent credit, borrow less than $12,000, and pay it back in 24 months loan term. Adding a co-borrower with enough income, using at least 85% of the loan proceeds to pay off qualifying existing debt directly, or showing proof of enough retirement savings could help you be eligible for the best rate.

Funding a loan

Cross River Bank and MetaBank, both FDIC members, make all of the loans available through FreedomPlus. All loan and rate terms depend on whether you're eligible, how your application is reviewed, your credit score, the loan amount, the loan term, lender approval, and how you've used credit in the past.

To get funds from FreedomPlus, you need to:

  1. Send them your application for the loan. The online application for Freedom Plus is simple and can be completed quickly and easily;

  2. Talk to a loan consultant. To determine whether you are eligible for a loan, the helpful team of the company looks beyond your credit record;

  3. Get hold of your money. You can use our loan to pay off your credit cards automatically or use it for one of the many other available purposes.

Your funds will be deposited electronically into your bank account once your loan has been approved and you have seen and accepted the terms. It can occur as quickly as 24 hours after signing the contract, but it can take up to 72 hours.

FreedomPlus consultants can be reached Monday through Thursday from 6 am to 8 pm MST, Friday from 6 am to 7 pm MST, and Saturday through Sunday from 7 am to 4 pm MST.


Is FreedomPlus a legit company?

Freedom Plus has an A+ BBB rating. FreedomPlus is a trustworthy personal loan provider with moderate rates and a 585 minimum credit score.

Is FreedomPlus the same as freedom debt relief?

Freedom Plus offers clients a debt relief program Freedom Debt Relief and a Consolidation Plus loan with which you could pay off all of your enrolled debt and consolidate it into a single payment.

How do I contact FreedomPlus?

Call 1-800-368-0061 to reach the FreedomPlus customer support team.

Is Arizona FreedomPlus?

FreedomPlus, based in Tempe, Arizona, focuses on obtaining loans that meet the needs of its consumers by providing individual assistance. Personal loans from FreedomPlus are typically available from $7,500 to $50,000 loan amounts. On the other hand, Borrowers in Arizona must borrow a minimum of $10,500.

Company documents

Privacy Policy
Terms of use

We are proud of our people, our products and our fun, friendly and passionate culture.

© Freedom Financial Asset Management, LLC

Calculate loan payments in FreedomPlus

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

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Loan term

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What to focus on before applying for a loan with FreedomPlus

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 FreedomPlus 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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