Liberty1Financial.com is a personal loan company that has been in business since 2008. They offer loans for both personal and small business needs, and their team is standing by to help with any questions you may have. Read our full Liberty1 Financial Review.

Liberty1Financial.com
Liberty1Financial 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.
What loan products does Liberty1 Financial offer?
Liberty1 Financial offers three types of loans: personal loans, business loans, and debt consolidation loans.
All of their loans are unsecured, meaning that no collateral is required to secure the loan. Loan terms range from 24 to 60 months, and there are no prepayment penalties, so you can pay off your loan early without incurring any additional fees.
What are the interest rates offered by Liberty1 Financial?
The interest rates offered by Liberty1Financial vary depending on the loan type and the borrower’s creditworthiness. For personal loans and debt consolidation loans, first-time borrowers can expect APRs to range from 4.95% to 29.99%. For business loans, APRs range from 5.99% to 24.99%.
It’s worth noting that this lender does not charge any prepayment penalties, so borrowers can pay off their loans early without incurring any additional fees. Additionally, the company offers a 0.25% discount on the APR for borrowers who set up automatic payments from their bank account.
To determine the interest rate you may be eligible for, you can submit a loan application on Liberty1 Financial’s website. The company will then review your application and provide you with a personalized loan offer that includes the interest rate and other loan terms.
At Liberty1Financial.com, they advertise personal loans with low interest rates. However, when you apply for a loan, the interest rate may be higher than advertised. That said, customers have reported that the customer service at Liberty1 Financial is friendly and helpful.
What is the application process like at Liberty1 Financial?

The application process at Liberty1 Financial is designed to be simple and straightforward. Here’s what you can expect:
- Pre-qualification: To get started, you can visit their website and fill out a pre-qualification form. This form will ask for basic information about yourself, such as your name, address, and income. Based on the information you provide, they will determine if you pre-qualify for a loan and provide you with a personalized loan offer.
- Loan application: If you’re happy with the loan offer, you can proceed with the loan application. The application will ask for more detailed information about yourself, such as your employment history, income, and expenses. You’ll also need to provide proof of income, such as pay stubs or bank statements.
- Loan approval: Once you’ve submitted your loan application, Liberty1 will review it and make a decision on whether to approve it. The company aims to provide loan decisions within 24 hours of receiving a completed application.
- Loan funding: If your loan is approved, you’ll receive the funds directly into your bank account within a few business days. From there, you can use the funds to pay for whatever expenses you need.
Throughout the application process, their customer service team is available to answer any questions you may have and guide you through the process. The company also offers online account management tools, so you can easily manage your loan and make payments online.
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.