The Freedom Five

The words we live by.

Apply for a loan

Managing debt can be Simple

Custom loan offers from real people.

  • Automatically pay off your cards
  • A single manageable monthly payment
  • Choose your own payment date

Get my loan

Getting a loan should be Personal

Custom loan offers from people who 'get it'.

Talk to a Loan Consultant

(800) 368-0061

Loan decisions need to be Fast

Same-day approvals and money in your account within 48 hours

2-3 Hours
Credit Decision Made
Same Day
Upload Documents, Sign Contract
Within 48 hours

The process must be Clear

No hidden fees, no gotchas from an equal opportunity lender.

  • No hidden fees
  • No prepayment fees ever
  • Your rate will never increase

Getting a loan can be Smart

With a 2- to 5-year loan you could be out of debt decades faster and for thousands less than with credit card minimum payments.

A Freedom Plus Loan
(x amount borrowed)
One payment per month
Time to become debt free
Total cost to repay
Payments per month

Up to
(x amount borrowed*)
One payment per card

How much do you need?

For how long?

This comparison is for illustration purposes only – actual terms and outcomes will vary depending upon an individual consumer’s circumstances.

The cost of a Freedom Plus loan

The cost shown is calculated using the terms made available to our most credit-worthy customers: An origination fee of 1.38-5% of the loan amount and interest rates of 6.99% (8.359% APR) for 2-year loans, 6.99% (7.93% APR) for 3-year loans, 7.99% (9.577% APR) for 4-year loans and 7.99% (10.178% APR) for 5-year loans. 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. These terms are not available to all consumers. Loan availability and terms are based on a wide variety of factors including (but not limited to) credit score, overall indebtedness, the ratio of debt service payments to monthly income, and the loan amount requested.

1The cost of credit cards

The cost of credit card debt assumes that the interest rate is 16.99% and that only the minimum monthly payments are being made. The minimum monthly payment is assumed to be the maximum of (1) interest on the outstanding balance, calculated as 16.99% annually, plus 1% of the outstanding balance, or (2) $25.