Liberty Lending Group

Liberty Lending Group Reviews

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About Liberty Lending Group

Liberty Lending Group 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 & Cons

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

    Featured Reviews

    San Diego, CA

    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

    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.

    Liberty Lending Group Reviews

    Stars Rating

    • 26%
    • 20%
    • 13%
    • 3%
    • 38%

    Popular Mentions

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      How do I know I can trust these reviews about Liberty Lending Group?
      • 4,463,492 reviews on ConsumerAffairs are verified.
      • We require contact information to ensure our reviewers are real.
      • We use intelligent software that helps us maintain the integrity of reviews.
      • Our moderators read all reviews to verify quality and helpfulness.
      Page 1 Reviews 0 - 10
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      StaffLoan Process

      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.


      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 ServiceStaff

        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


        Reviewed Nov. 23, 2020

        They suck. They are scammers will get all your personal bank information and won't give you a dime. Pus they are scammers. Please do not go into debt using them. They are polite frauds. Do not let them access your bank account find some money another way like for instance do a possible loan. They are good and reasonable. Not all these hidden ridiculous fees and they work with you. Spot Loan also ok but they charge ridiculous outrageous fees like fubu get 300 you'll pay 2000. People wake up find a 2nd job. Do something else. Have yard sale anything but get these loans especially Liberty and Spot Loan. They are robbing folks and leaving us in a lifetime debt. So people think before you jump.

        Loan Process

        Reviewed Nov. 9, 2020

        If you are unsure of this loan and in doubt DO NOT COMPLETE THE APPLICATION. I'm very disappointed with the service I received in regards to this loan. I realized that that APR is very high and I no longer wanted the loan even though I was approved. They told me it's nothing that they can do even though the loan was in the process of sending out the payments to my credit cards WHICH AREN'T PAID YET BY THEM. I only did the loan because I was convinced by a debt specialist from National Debt Relief that it's the best option for me but most of my credit has 0.0 APR for 18 months so had time to pay my cards off without being charged interest. There should be an option for people who no longer want the loan because things happen and to say that you have to take a loan you no longer need is unheard of. Now I'm stuck with this unnecessary loan.

        Customer Service

        Reviewed July 24, 2020

        I was referred to Liberty Lending by Nat'l Debt Relief. I was denied after they did an initial credit check and the reasons given for the denial were NOT on my credit records:

        (1) Too many recent inquiries on credit bureau -There have been no inquiries since last year when we purchased a car.
        (2) Delinquent past or present credit obligations with others - There are no delinquencies on my records for over 30 years.
        (3) Too many new tradelines opened recently - No new accts opened since auto purchase in 2019.

        (4) Recent negative credit card activity - There are no negative reports.

        I wrote and asked for more details as these were not valid reasons and the reply I got stated "We are sorry that you are disappointed, this was not our intention. At that time, an opportunity with Liberty Lending was not available and the inquiry will not impact your credit. " As you can see they did NOT address my questions which leads me to assume this company and their partner National Debt Relief are both scams. I will just negotiate with my creditors myself and leave these two companies out of my life and recommend others do the same. I am considering reporting them for Fair Credit Reporting violations.

        Verified purchase
        Online & AppLoan Process

        Reviewed July 8, 2020

        The application process with Liberty was fairly easy and they made my payment the 15th which was perfect since I get paid on that date. They said that I should just jump online and pay it. But I didn’t know that I had to go online two days before that date and when I did, they wouldn't let me make the payment. It made me go two days ahead. It was my first payment and I was freaking out. They told me not to worry about it but that’s not what I am and I do worry about it. It was only for two days but last month, I went online on the 13th and scheduled my payment for the 15th.

        Verified purchase
        Customer ServiceOnline & AppStaffLoan Process

        Reviewed June 13, 2020

        I went with Liberty after talking with the loan counselor. He was very knowledgeable and able to answer my questions. We talked about a few different options. He was a good guy. The application and underwriting process worked out fine. It was very easy, very smooth and very straightforward. It took four days from start to finish.

        Customer ServiceStaffRates

        Reviewed April 23, 2020

        I came to this site before I called them, because, among other things, I didn't really trust anyone who doesn't accept their applications online. I got a flyer telling me I was "pre-approved," for a loan, in the amount of 45K, and showed a low-interest rate of 5.49%. I called them, and they did a soft pull on my credit report. The next day, they called me and said I was approved, just not for a "traditional," loan. They were marketing one of those "debt consolidation," scams, where they tell you to stop making all of your payments, pay them an up-front fee, and a monthly payment. Then they will try to work with your creditors. I told them no way, I was not interested, and that I did not appreciate the bait and switch.

        The Rep just kept babbling on about what a good program it is. I tried to politely ask him to stop promoting it, but he would not stop condescending towards me, because I would not agree to the "bait and switch" program. I finally had to hang up, because he would not stop promoting the program I politely rejected. I see this site accepts funds from sellers and advertisers, so I am curious whether the positive reviews here about this group are genuine, and I will watch to see whether this "real" review is posted. Caveat emptor.

        Liberty Lending Group
        Liberty Lending Group

        Hi Timothy,

        Thank you for taking the time to provide us with your feedback. After reviewing your file we see here you have already spoken to one of our managers. We hope that she was able to provide you with further details regarding our process. Again, our financial options range anywhere from a loan, debt consolidation, or other options if we are not able to reach an ideal loan offer here with Liberty Lending Group. It's important that all our clients feel informed and equipped to handle their finances after speaking to one of our certified debt consultants. We are sorry to hear we were not able to give you the option that would best fit your circumstances.IF you need any further assistance, please don't hesitate to contact us at

        Best Regards,

        Liberty Lending Group

        Verified purchase
        Customer ServicePunctuality & SpeedStaffLoan Process

        Reviewed April 20, 2020

        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. Everything was approved and the documentation was already sent to me. The customer service of the loan specialist was good. They were very informative. I was surprised that we did everything in such a fast pace. The APR and the terms of the loan are high, but I am going to pay it off within a year, so it won't do too much impact.

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          Liberty Lending Group Company Information

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          Liberty Lending Group