Boost your credit before you apply

Pay down revolving balances relative to limits, avoid new inquiries before underwriting, and dispute errors on your credit report promptly.

Consistency matters more than tricks: on-time payments over months signal reliability that underwriting teams weight heavily.

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Approved applications are typically funded by the next business day. Applicants who submit a complete application before 11:00 a.m. Pacific Time, Monday through Friday, may receive funds the same business day. The exact time when loan funds are available to you depends on your financial institution. Approval may be subject to additional verification. Failure to provide requested documentation promptly may delay funding.

Freedom Finance lending products and lines of credit are offered by Freedom Finance or through approved lending partners. Open and active loans and lines of credit are serviced according to your loan agreement and applicable disclosures.

In states where products are offered through a partner institution, underwriting, approval, and funding may be performed by that institution. Refer to the loan programs and Terms & Conditions for your state for more information.

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California residents: Freedom Finance conducts business in compliance with applicable California law. Loans may be made pursuant to a California Financing Law license where applicable. Regulatory and license details are available upon request.

Kansas residents: licensing and lender information for your product is set forth in your loan documents and disclosures.