Liberty1 Financial is a lending institution that offers personal loans, business loans, and debt consolidation loans to individuals and businesses. Founded in 2008, Liberty1 Financial has been providing financial solutions to its customers for more than a decade.
The company is committed to helping individuals and businesses achieve their financial goals by providing quick and easy access to funds. In this article, we will review Liberty1 Financial, its pros, and cons, the services it offers, and answer some frequently asked questions.
Liberty1 Financial: A Brief Overview

Liberty1 Financial is a financial institution that offers personal loans, business loans, and debt consolidation loans. The company has been in business since 2008 and provides loan options to individuals and businesses with a range of credit scores.
It offers competitive interest rates and no collateral is required to secure a loan. Their loan amounts range from $5,000.00 to $110,000.00. The company aims to help individuals and businesses achieve their financial goals with flexible loan options and quick approvals.
Both Liberty1 Financial and Alliance One Funding have garnered negative reputations due to their poor business practices and inability to deliver satisfactory services to customers.
Liberty1 Financial Services:
Liberty1 Financial offers the following loan products:
- Personal Loans: It offers personal loans ranging from $5,000 to $110,000 with APRs ranging from 4.95% to 29.99% for first-time borrowers. The loan terms range from 24 to 60 months.
- Business Loans: It offers business loans ranging from $15,000 to $250,000 with APRs ranging from 5.99% to 24.99%. The loan terms range from 12 to 60 months.
- debt Consolidation Loans: It offers debt consolidation loans ranging from $5,000 to $110,000 with APRs ranging from 4.95% to 29.99% for first-time borrowers. The loan terms range from 24 to 60 months.
Pros and Cons of Liberty1 Financial

Pros:
- Quick and easy application process
- Offers a range of loan products
- No prepayment penalty
- Funds can be used for any purpose
Cons:
- High origination fees
- Limited availability in some states
- Requires a minimum credit score of 640
- Limited transparency on its website
What is the minimum credit score required by Liberty1 Financial?
While Liberty1 Financial does not have a specific minimum credit score requirement, the company typically looks for borrowers with a credit score of 640 or higher. However, the actual credit score required to qualify for a loan will depend on a variety of factors, such as your income, debt-to-income ratio, and overall creditworthiness.
It’s worth noting that having a higher credit score can improve your chances of getting approved for a loan, and can also help you qualify for more favorable interest rates and loan terms. If you’re concerned about your credit score, you can check your credit report for free online and take steps to improve your credit score, such as paying down debt and making on-time payments.
Liberty1 Financial Scam? Final Thoughts

Liberty1 Financial is a lending institution that offers personal loans, business loans, and debt consolidation loans to individuals and businesses. The company has been in business since 2008 and has helped many customers achieve their financial goals.
While the company has some pros such as a quick and easy application process and competitive interest rates, it also has some cons such as high origination fees and limited availability in some states. Overall, Liberty1 Financial is a good option for those who need quick access to funds and are willing to pay the associated fees.