Liberty Lending Group Reviews

Out of business
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About Liberty Lending Group

Liberty Lending Group, now known as Reach Financial, is an invitation-only online lending platform that offers personal loans and debt relief programs. The lender advertises no hidden fees and consistent interest rates throughout the life of your loan as well as fast approvals and online applications.

Pros
  • Unsecured, fixed-rate personal loans
  • Fast approval and fund distribution
  • Quick and easy application process
  • Loans up to $100,000
Cons
  • High APR range
  • Longest loan term is 5 years

Featured Reviews

San Diego, CA
Verified purchase
I needed to consolidate some debt, and the application process with Liberty Lending Group was quick. They were able to get the money in my account within 20 minutes... The custome...

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Ca, CA
Verified purchase
I googled the top 20 lending groups of the year and Liberty Lending was consistently at the top. I decided to go with them because consistently, they’re number one right now. Sett...

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What is Liberty Lending Group?

Liberty Lending Group is an invitation-only online lender that approves and distributes funds as quickly as 24 hours after you apply. The company does not charge a fee if you pay off your personal loan early. To apply for a personal loan, fill out an application by providing your basic information and details like:

  • Your credit score
  • Your income
  • Your living expenses
  • Your employment status
  • Your desired loan amount

Filling out an application doesn’t impact your credit score. Once you submit your application, you can browse through your preapproved offers and select one that's right for you. After that, a loan specialist contacts you to complete the loan process.

Liberty Lending Group loan rates and fees

All personal loans are set at a fixed rate and available in amounts from $2,000 to $100,000. Loans are available in 24-, 36-, 48- and 60-month terms with APRs ranging from 7.99% to 29.99%. Personal loans from Liberty Lending Group are unsecured and do not require collateral.

Your interest rates and potential loan terms will vary based on your qualifications and the amount of money you need.

Liberty Lending Group FAQ

How does Liberty Lending Group work?

Start by calling the company or filling out an application on the company’s website to find out what loan offers you are preapproved for and select one. You complete the rest of the loan process with a loan specialist. Approval and funding distribution is available in as little as 24 hours.

Is Liberty Lending Group a good company?

Liberty Lending Group is a well-known company that offers loans at a fixed interest rate and doesn’t charge hidden fees. The company is transparent about loan terms, and its application process is quick and easy.

How do I apply for a Liberty Lending loan?

To apply for a loan from Liberty Lending Group, fill out an application on the company's website. It asks you for basic information and how much you want to borrow as well as a few questions about your living expenses, credit score, income and employment status. Filling out an application does not impact your credit score.

How much money can I apply for?

You can apply for any amount of money from $2,000 to $100,000.

How long is the Liberty Lending application process?

The Liberty Lending application process only takes a few minutes. You enter your basic information and then answer questions about your employment, credit score, income and living expenses.

Is Liberty Lending Group legit?

Yes, Liberty Lending Group is a reputable lender for anyone who needs a personal loan. The application process is fast, and funds are available in as quickly as 24 hours. Securing a loan doesn’t require putting up any collateral, and there is no fee if you pay off your loan early. Liberty Lending has loan terms of up to five years, which isn’t as long as other lenders may offer. Also, the lowest APR the company offers is 7.99%, but your APR never changes. Liberty Lending does not charge any hidden fees.

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Liberty Lending Group Reviews

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    How do I know I can trust these reviews about Liberty Lending Group?
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Customer ServiceLoan Process

    Reviewed April 15, 2026

    Keep getting calls from these jokers. My phone blocks the call so they leave a message. Last one was from Pamela **. Got 9 messages. I called back 3 times. Told them I'm on a Do Not Call List. Didn't need a loan. Don't need their business period. They still call. Have reported them to the FTC which is useless. They are in California; I'm in TN. why would I do business with them when I have a local bank. I call the bank and say, "Hey I need 50,000 and they tell me come sign for it." They are scammers. I chewed them out yesterday again and the man told me don't need to be upset. I own a towing company. If I was in California I would clean out their parking lot.

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    Customer ServiceStaff

    Reviewed March 21, 2026

    These people have been harassing me for months. It does no good to not answer their calls as they then are able to leave me voice messages. HELP!! How do I get them to leave me alone? They call multiple times a day.

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      Customer ServiceSales & Marketing

      Reviewed March 20, 2026

      Never been a customer but I get robo calls from them almost daily. I will call to complain and inform them they are in violation of the national Do Not Call registry that I am on. I will file complaints with the FTC and other agencies where spam calling is reported.

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      Customer ServiceStaff

      Reviewed Oct. 15, 2025

      This company is fraudulent, they pulled my credit without my permission to make it impossible to work with another lender because I refused to work with them, they need to be investigated for their illegal practices, they called everyday and wanted to know who I was working with so they could derail my process while working with another company, they are nothing but unprofessional liars denying that I told them not to pull my credit and they assured me they would not but yet they did.

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      Customer Service

      Reviewed Aug. 8, 2025

      I received an email with an IBV link and I haven't even applied. They knew my name and email. I'm assuming another website sold my information, but it's still so sketchy to have an IBV link sent to me and not have requested it.

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      Customer ServiceSales & MarketingOnline & AppRates

      Reviewed May 30, 2025

      I think I might have reached out through National Debt Relief and might have done some inquiring online, but never completed the application. I continue to get calls up to 5 times a day saying I have been approved for $45k or $48k. I am not interested. I have a spam detector app on my phone so my phone never actually rings, it just goes to voicemail. But they keep leaving messages and taking up memory on my phone. I keep deleting. But I want the calls to just stop. It's been MONTHS.

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      Customer ServiceBillingLoan Process

      Reviewed Nov. 4, 2024

      Just got a flyer telling me I was prequalified for a loan of up to 45k. Called them. Pulled a soft credit check. Then i came on here and read the reviews. And I remember one time another company did the same thing. They want you to cancel your credit cards and stop making payment for like six months. I told the polite gentleman I have seen this movie before. He hung up. Steer clear people.

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      Sales & MarketingStaffLoan ProcessRates

      Reviewed June 5, 2024

      They are a scam. They are rotten people who are interested in stealing your money. They stole $500 from me while I thought I was getting a loan for $2000 to help with my rent after heart surgery. I am hurt by trusting Liberty.

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      PriceStaffBillingLoan ProcessRates

      Reviewed Aug. 29, 2022

      I thought the loan was to help pay off credit card balance but because they charge so much interest, instead of paying the loan off in a couple of years, it’s going to take me 6 to 7 years to pay it off.

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      Customer ServicePunctuality & Speed

      Reviewed Jan. 2, 2022

      I believe that this company is very sketchy. First I filled out my application online like you would imagine that is how you're supposed to do as is with any other company. Then a day or so later I get a email stating that I'm approved for the exact amount that I applied for, not one of those emails saying you're approved for up to a certain amount so I clicked on the link and stating signing all the documents still seems normal. So I wait 3 or 4 business days nothing in my account. So I call them, they say no that was just to tell a person what it is like if they get approved but it has no mention of that anywhere and they never tried to contact me.

      When I called also I was only getting a lot of 1 word answers to my questions not like you would expect from any company customer service and lastly the first person I talked to tells me I need a full year of bank statements sent to them then I called back before I sent the information and talk to a different person. She says just 30 days. Sketchy

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      Liberty Lending Group Company Information

      Company Name:
      Liberty Lending Group
      Website:
      www.LibertyLendingGroup.com