Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Freedom Financial Network

Financial solutions for almost any situation with a specialization in debt.

Not sure what to do with your debt? Need financing for a mid-sized personal expense? Have some burning questions about your personal finances. Freedom Financial Network is a virtual one stop shop that can help you out with most finance-related problems, with a specialty in debt-related services. Read on to learn if and how it can meet your needs.

What is Freedom Financial Network?

Freedom Financial Network is a financial services company that works to help consumers get out of debt and grow their wealth. It all started in 2002 when CEOs Bradford Stronh and Andrew Housser cofounded from a spare bedroom in Silicon Valley. It’s since grown from two-man operation to a company with over 1,000 employees that’s resolved billions of dollars of debt.

What does Freedom Financial offer?

Freedom Financial Network is a parent company to several different financial services, including debt relief, a personal loan provider and an educational resources site.

Freedom Debt Relief

Freedom Debt Relief is a debt settlement company, which negotiates with creditors to reduce the amount you owe in exchange for paying one lump sum. It accepts most types of unsecured debts — debt that isn’t backed by collateral — such as credit card debt, medical bills and other types of personal loans.

It’s highly rated by customers and industry watchdogs, and had a hand in establishing Federal Trade Commission standards for debt settlement companies. But it’s not available in every state — debt settlement is only legal in 32 states — and debt settlement as a rule is not guaranteed to work.

Read our review of Freedom Debt Relief


FreedomPlus is Freedom Financial Network’s personal loan offer with an emphasis on debt consolidation. It offers competitive interest rates and a discount if more than half of your loan goes toward consolidating debt. If you don’t meet all of its requirements, you have the option of applying with a creditworthy cosigner — uncommon for a personal loan.

It’s only available to residents of 36 states, so make sure you live in an eligible area (or have a cosigner that does) before you apply.

Read our review of FreedomPlus personal loans

Consolidation Plus

Consolidation Plus is Freedom Financial’s exclusive loan program designed to help customers consolidate and get out of credit card debt.

It works like a combination of debt settlement and a debt consolidation loan: Consolidation Plus contacts your creditors and negotiates your debts down to a one-time payment. Then, it provides you with a loan to make that payment.

It’s invitation-only, so you can only apply if you’ve been contacted by a Consolidation Plus representative. is a general financial resources website run by Freedom Financial Network. It specializes in debt, mortgages and personal finance. It also offers a variety of tools like calculators to help customers understand these areas. One highlight is its column Ask Bill, where the public can get detailed answers to questions about their personal financial situation.

How can I benefit from Freedom Financial Network?

Freedom Financial Network offers several features that could help you get out of debt quicker, but watch for a few drawbacks as well:


  • Low APR on loans. FreedomPlus’s personal loans come with competitive rates for creditworthy applicants.
  • Cosigners allowed. You still might be able to borrow from FreedomPlus even if you don’t meet all of it’s requirements as long as you bring on a cosigner who does.
  • Online resources for customers. Freedom Financial Networks sites offer easy-to-use tools that simplify finding out your financial situation and keep track of your Freedom accounts online.


  • Limited availability. True, debt settlement is only legally permitted in a limited number of states, its personal loans are only available in three more.
  • Mixed customer service reviews. Freedom Debt Relief gets high ratings from past customers, but its personal loans service has slightly more negative comments on sites like Trustpilot and the Better Business Bureau.
  • Small loan amounts. You can only borrow up to $35,000 with FreedomPlus personal loans.

Bottom line

Freedom Financial Network is a one-stop shop that could be particularly helpful to someone overwhelmed by debt. Its debt relief services can save customers between 15% and 35% of the debts they enroll, its personal loans come with a debt consolidation discount and its resources are particularly geared toward readers who are interested in getting out of debt.

But it’s not just limited to debt relief. Freedom Financial Network can help anyone who needs help figuring out their mortgage, pay for a wedding or most other financial pain points. But be sure to check out your other loan offers and debt solution options to make sure that Freedom is the right choice for you.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site