Personal loans

Helping consumers to overcome debt and reach their goals through a highly customized loan experience.

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Lending with a personal touch
250+
customer-facing employees
$5B+
consolidation loans originated
275,000+
borrowers to date
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Loans designed for consumers’ unique needs
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Combining the best of online and traditional lending, FreedomPlus debt consolidation loans offer consumers the convenience of a fast loan decision as well as the personal attention required to help ensure the loan is the right fit for their needs and their budget.
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An invitation-only acceleration loan,* Consolidation Plus helps consumers who are enrolled in eligible debt relief programs like Freedom Debt Relief, helping them finish their program early by consolidating their enrolled debts into a fixed-rate loan.
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How the FreedomPlus loan process works
We spend time listening to each potential borrower so we can better understand their needs and design an appropriate loan solution.
1
CONSULTATION
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It starts by listening to the consumer
What are their goals?
Are they eligible to apply?
2
CUSTOMIZATION
3
APPROVAL
4
SERVICING
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It starts by listening to the consumer
What are their goals?
Are they eligible to apply?
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FreedomPlus: rate discounts available
To give consumers loan terms that are a fit for their needs and budget, FreedomPlus offers a range of interest rate discounts to qualified applicants.
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Co-borrower discount
when another person is added to the loan application
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Direct pay discount
when loan funds are used to directly pay creditors
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Retirement asset discount
if applicant has $40,000+ in retirement funds like a 401(k) or IRA
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Consolidation Plus: options for overlooked consumers
Clients enrolled in a debt relief program such as Freedom Debt Relief may not qualify for most personal loans, but a Consolidation Plus loan is different. Since we have deeper insight into their payment history in the debt relief program, we can offer them a fixed-rate loan that accelerates their settlements. This enables them to be free of their enrolled debts and get onto a stronger financial footing faster.
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Explore additional opportunities

*Please note, only a small percentage of consumers may be eligible for the Consolidation Plus program based on credit criteria, enrollment in an approved debt resolution program, and other program criteria. Unsolicited loan applications are not accepted at this time. Freedom Financial Asset Management, LLC All loans available through Freedom Financial Asset Management, LLC d/b/a Consolidation Plus and d/b/a FreedomPlus are made by Cross River Bank, a New Jersey State Chartered Commercial Bank or MetaBank®, N.A., Members FDIC, Equal Housing Lenders. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Terms and conditions apply. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 7.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four-year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. *To qualify for a 7.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Loan origination fees vary from 1.99% to 4.99%, though most loans will have a loan origination fee of 4.99%. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available.