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The FreedomPlus Personal Loan Review: Does it really Liberate You?

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If you are looking for the ideal online lender that is willing to provide easy and hassle-free personal loans, FreedomPlus has to be your best bet.

A personal loan for FreedomPlus means that you have signed up for best-in-class service and you don’t have to scratch your head anymore.

A good credit score is your way to the exclusive FreedomPlus customer base. If you are looking to consolidate debt, good for you: FreedomPlus directly pays your creditors, which means you are eligible to reduced interest rates.

There’s a co-signer option as well, which means there’s a better chance to qualify for a personal loan from FreedomPlus if you got someone to co-sign for you. And yeah, lower interest rates too.

Today, we are going to go through FreedomPlus personal loans with a fine-toothed comb. Let us delve into the specifics and go through fundamentals of FreedomPlus personal loans:

Loan Amount

The loan amount starts from comfortable $10,000 so that borrowers have a flexible choice in accordance to their needs. The borrower can go for the amount as high as $40,000 when applying for a personal loan with FreedomPlus.


The annual percentage rate typically goes from 5.99% to 29.99%. The interest rate largely depends on borrower’s credit score, but you might be eligible for lower interest rates in these cases:

Co-Signer Discount

The borrower is eligible for a decent discount if s/he applies for a personal loan from FreedomPlus and gets it co-signed. FreedomPlus praises its applicants who do so and awards them with a co-signer discount.

Debt Consolidation

If the borrower goes to FreedomPlus for a personal loan for debt consolidation, s/he gets the direct pay privilege. This is a remarkable way for borrowers to consolidate their credit card debt as FreedomPlus directly pays creditors on their behalf.

This increases borrower’s chances of successfully paying off debt. On stating this to FreedomPlus, the borrower is eligible for direct pay discount. If you are looking to consolidate debt, look no further—FreedomPlus offers you a direct pay discount for it.

Retirement Asset Discount

If the borrowers have retirement assets worth more than $40,000 then they are presented with a discount. FreedomPlus prefers to approve prudent borrowers, which is a perfect way to set an example for other applicants.

Funding Time

FreedomPlus delivers funds in an astonishingly quick time frame. The borrowers are eligible for funds as soon as they qualify and funds reach their bank account as soon as 48 hours. If you are looking for a personal loan option that offers quick funding, FreedomPlus is there for you.

Payback Period

FreedomPlus offers a repayment time ranging from two to five years. The borrower has to make a designated period every month for two to five years. Installment amounts vary with the loan amount and payback period.

Credit Score Requirement

FreedomPlus is exclusively for borrowers with good credit. Any borrower who has a decent credit score of 620 or above can qualify for a personal loan from FreedomPlus. The APR and credit score go hand in hand, as a higher credit score means a lower interest rate.

How Do I Qualify?

To qualify for a personal loan from FreedomPlus, the borrower must have a minimum credit score of 620. FreedomPlus believes in providing exceptional services and applicants who have a credit score of more than 620 can avail its lending services.

FreedomPlus will let them in if borrowers’ debt-to-income ratio is less than 40%.

The borrower must bring home at least $40,000 in income every year to qualify for a personal loan from FreedomPlus. The average income of every household in America is something above $60,000 so this is nothing more than a check-mark on the loan contract.

Rates & Fees

  • Origination fee:0% – 5.0%
  • Late fee: $15 or 5% of the due amount (whichever is greater)
  • Unsuccessful payment fee: $15
  • Prepayment fee: $0

The Perfect Fit

A personal loan from FreedomPlus would be ideal if the borrower:

  • Sports a good credit score of more than 620
  • Can arrange for a co-signer to avail co-signer discount
  • Purpose of loan is Debt Consolidation


Now that you have a brief idea about what FreedomPlus is actually about, let’s go through the numbers again:

  • Loan Amount: $10,000 – $40,000
  • APR: 5.99% – 29.99%
  • Payback Period: 2 to 5 years
  • Minimum Credit Score: 620
  • Funding Time: As little as 48 hours
  • Borrower’s Annual Income: $40,000
  • Late Fee: $15 or 5% of the due amount (whichever is greater)

If you are looking for a personal loan from a reliable online lender that has made a name for itself in this forte, then go for FreedomPlus. This is an excellent choice for borrowers with good credit who are looking to consolidate their debts and/or have a co-signer to help them borrow funds.

Get a Personal Loan from FreedomPlus today!


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