FreedomPlus is best for borrowers with fair credit who want to use loan proceeds to directly pay off existing debts. This is due to the lender’s relatively low credit score requirement and competitive APRs combined with the availability of several rate discounts—including for direct debt payments. That said, FreedomPlus does charge origination fees, so more qualified borrowers may qualify for better terms and larger loan amounts at another top lender.
FreedomPlus is available in 39 states and Washington, D.C., but loans are not available to residents of Colorado, Connecticut, Hawaii, Kansas, New Hampshire, North Dakota, Oregon, Vermont, West Virginia, Wisconsin or Wyoming.
