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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

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 2 Reviews 40 - 80
    Verified purchase
    Customer ServiceStaffTransparency

    Reviewed Oct. 10, 2019

    Liberty Lending Group is a super easy company to work with. Their initial offer seemed more attractive than others' and their application process was super easy. I filled out the application online and took a picture of the paystub. The whole process took a day and a half with two or three phone calls between everything. They were really polite and explained everything thoroughly from the get-go. I'm happier with the terms I received than the credit cards that I paid off with them.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan ProcessRatesTransparency

    Reviewed Oct. 9, 2019

    I got a thing in the mail. I filled it out online and then Liberty Lending called me. They set up a time to call me. The rep went above and beyond to help me out and explained all of my options. It was a quick and easy process. The percentage rate is a little high, but I understand. They got back with me within a reasonable amount of time and was never left hanging. I got my money within two days.

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    Customer ServiceTransparency

    Reviewed Sept. 27, 2019

    This company initially contacted me with a 'loan offer' for debt consolidation. I was interested so I submitted my information. The company assigned me a consultant that ran a credit check etc. and then called me telling me I needed to write down the cards he could help with. I know my card balances and minimum payments so I felt this was condescending. Anyway, he proceeds to tell me that my card payment will be this much etc. and that my accounts will be closed. I politely interrupted him and explained this isn't what I was led to believe it was and that I was not interested. A few minutes after we got off the phone he emailed me a whole breakout of information that he had told me to write down. I'm displeased that the company portrays themselves to be a lender but they are in fact something wholly different. I also do not appreciate them using this identity to check my credit and receive a copy of my credit report and not being a lender at all.

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    Liberty Lending Group
    Response from Liberty Lending Group

    Hello Deanna,

    We strive to provide all our clients with the best options to excel in their finances depending on each unique situation. This can 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. As this was not your experience, we want to take the time to extend our sincerest apologies. We do see here one of our managers has already reached out to you, but should you ever need further assistance please don't hesitate to reach out directly to lgudino@libertylendinggroup.com and we would be more than happy to help.

    Best,

    Liberty Lending Group

    Customer ServiceLoan ProcessRates

    Reviewed Aug. 21, 2019

    Liberty Lending Group was so helpful in finding me a loan in order to pay off two high interest credit cards. The process was easy and pretty much complete in one day. I would definitely call them again.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRatesTransparency

    Reviewed Aug. 19, 2019

    I had an amazing experience with my debt consolidation loan. The application process was extremely easy and my loan officer, Fidencio ** was so knowledgeable and helpful. His communication was impeccable and made it easy for me to send all the documents he needed. My loan was great because they paid my payees directly, which saved so much time and effort. It only took minutes for the approval and within 3 days the funds were sent out. My terms and interest rate were incredible. They also offered an autopay program for repayment, which is convenient. I am so very satisfied with the experience as a whole. Highly recommend!!!

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    Customer ServiceStaffLoan Process

    Reviewed July 17, 2019

    Received an offer in the mail for a loan to consolidate debt. Responded online with my "special ID offer code." After applying, they asked for contact info so that someone could contact me. I decided "forget it," and aborted the page and did not complete it. Next day, 3 calls from a female from Los Angeles: Liberty Funding. I answered on the third call, it was a male, but not the female who had left two messages. The male tells me that my loan is in underwriting (don't know how, didn't complete anything), and then says, "Get a pen and write everything I tell you down." His tone was in fact very condescending as another reviewer shared. I wrote nothing and just listened. He proceeded to tell me how Liberty can "consolidate" all of my debt and pay it off, and will close all my accounts in the process.

    Several more times he tells me, "Make sure that you are writing down what I say because it's really important." I just listen, still not writing. I stop him mid sentence because he won't shut up and tell him "NO, this is not what I was seeking and I didn't even complete the contact info for you to call me." He says, "Can I just ask why you wouldn't want to get out of debt?" I laughed and said, "Not your way. I haven't missed a payment on a single obligation, and thought it would be simpler to consolidate and have one payment (like others have said), instead of several. I have NO intention of closing any of my accounts and will pay all my creditors as I always have. No thanks," and I hung up.

    Immediately after, I got an email with all that "Important information I needed to write down." I marked it as spam and deleted it. Over the next two days, 3 more calls that I blocked. If you don't qualify for their "promo offer," they will attempt this tactic to snare you. The 1 star reviews are absolutely right. Please be careful. Side note: I was particularly annoyed by the condescension in his voice. If that's how they do business, they can keep it.

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    Liberty Lending Group
    Response from Liberty Lending Group

    Thank you for providing your feedback and letting us know about your experience, Theresa. We set a high standard for ourselves in the way we communicate with each client and we are truly sorry to hear that standard was not met in your interaction with us. Here at Liberty Lending Group we continually strive to improve and we take all client feedback as an opportunity to grow. If we can ever be of further assistance please be encouraged to reach out directly to one of our managers here at lgudino@libertylendinggroup.com.

    Best,

    Liberty Lending Group

    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed July 11, 2019

    Dealing with LLG has been a very seamless and painless experience. They were prompt with timelines. It was very refreshing to deal with a company that did what they said they were going to do. I will recommend LLG to anyone in need in the future!

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed June 28, 2019

    We received a letter in the mail offering to help us consolidate our debt into one monthly payment. We had several credit cards that we wanted to pay off and get a lower interest rate on in the process. The process was very easy and painless. We talked to a consultant named Holli and she was very helpful and she got the process started quickly. She stayed in constant contact with us either through either phone or email. We had the whole thing finished in a few days. Thank you for all the help and making so easy.

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    Verified purchase
    Customer ServiceLoan ProcessRates

    Reviewed June 20, 2019

    I had received a letter in the mail about helping be consolidate debt. I did not have a bunch of debt. It was just one credit card that I could not bring the balance down as fast as I would of like due to the interest rate I feel like I was standing still. I made the call to Liberty and they helped me pay off the card in two years. 15,000 is what I owed and I will pay that back to Liberty plus something like 1800 fee. This was a much better option for me than my bank which would of had me paying the next 10 years to get a 0 balance. The lending company was very excited to help and always called me back to update me about my loan and I would recommend them to anyone who need the same assistance.

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    Verified purchase
    Staff

    Reviewed June 20, 2019

    I am writing to let you know how pleased my husband I were with your services. I must admit that at first I was Leery if using a loan company that solicited through the mail. We had been disappointed in the past. However Marilyn, our advisor immediately put me at ease and was such a responsive and knowledgeable person. I would definitely recommend your services to others.

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    Rates

    Reviewed June 18, 2019

    I was working with a credit consolidation company and was suggested to use Liberty Lending to pay off debt quick. It paid off my credit cards but now I have a crazy high monthly payment with awful interest rates. So I am still in the same situation I was in when I started. I just owe one company lots not instead of several little ones. I have asked multiple time about refinancing for a lower interest rate, "they don't do that," they said... I asked if I can go online to make additional payment toward principals, "you can't do that," they said (you would have to manual mail payments). They make it extremely difficult to pay off balances. It will take me over 6 years to payoff the loan because it is all going to interest. If I had it to do over again, I would not use this company.

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    Liberty Lending Group
    Response from Liberty Lending Group

    Hello Cindy,

    We understand your disappointment with our company and want to extend our apologies. It is important to us that our customers are more than satisfied and we would like the opportunity to resolve this immediately. We intend to make this right and hope you will allow us to speak with you to discuss this situation.

    Please email me at lgudino@libertylendinggroup.com at your earliest convenience.

    Best Regards,

    Liberty Lending Group

    Verified purchase
    StaffLoan Process

    Reviewed June 18, 2019

    I’m going through a divorce and needed to consolidate my credit card debt in addition to obtaining a small cash loan. Their staff was straight forward about my options and the process. Within a couple of hours, I was approved for the loan I had requested on terms I was able to afford. I couldn’t have asked for a better outcome!

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    Customer ServiceStaff

    Reviewed June 10, 2019

    You are LOCKED into the original payment plan - there are no options and their customer service is impersonal and condescending. I did not select this company but was told this was the best option from a debt consolidation company I was currently working with. These people really don’t care about helping you get out of debt, they just want your money.

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    Liberty Lending Group
    Response from Liberty Lending Group

    Hello Ashley,

    We are sorry to hear of your less than satisfactory interaction with us and want to give you our sincerest apologies. We continually strive to provide our clients with exceptional customer service and we are sorry that was not provided to you. Helping our clients get on firm financial ground is our priority here and we hope that you will give us an opportunity to better your experience. Please contact one of our managers here at lgudino@libertylendinggroup.com at your earliest convenience. We look forward to speaking with you!

    Best,

    Liberty Lending Group

    Loan Process

    Reviewed June 8, 2019

    They want you to quit making your loan payments and are try to renegotiate your payments. They act like they want to give you a loan but it's all a façade. There is no loan. Run Run Run. Don't waste your time.

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    Liberty Lending Group
    Response from Liberty Lending Group
    Hello John,

    We want to extend our sincere apologies for your experience with us. We strive to provide all our clients with the best options to excel in their finances depending on each unique situation. This can 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. We encourage you to reach back out to us in the future and we would be more than happy to reassess your current financial state to see what you may qualify for now. Please don't hesitate to email one of our managers directly at lgudino@libertylendinggroup.com for further assistance.

    Best Regards,

    Liberty Lending Group

    Verified purchase
    StaffLoan ProcessRates

    Reviewed June 4, 2019

    I have had a great experience with Liberty! The representatives have been so responsive and helpful in explaining the process and walking me through it. I feel pretty good about turning a big chunk of my credit card debt into a personal loan with an interest rate that does not compound. (I also learned the difference in how credit card companies compound interest and how much of a difference it makes when you are paying interest on interest vs interest on just the principal amount, during this process.) Overall great experience.

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    Customer ServiceStaff

    Reviewed May 30, 2019

    Liberty Lending has been great so far! I was approved instantly and had my credit card debt paid off in a week! Everyone I have dealt with has been very professional and kind. Glad I called them for their assistance!!

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    Verified purchase
    StaffLoan ProcessRates

    Reviewed May 22, 2019

    I applied for a loan through a company that only did loans to refinance. My rate is very low with my current company, so I was referred to Freedom Plus. I found the process to be fast, well explained and the best option for me to consolidate debt for lower interest rates and payment. The process took less than 24 hours, the agents were professional and knowledgeable.

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    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed May 21, 2019

    I am very pleased with my experience with Liberty Lending. The process was fast and simple. Everyone I had talked to was great at explaining everything and were always available for any questions. I was approved for the amount I wanted and the APR was less than I thought it was going to be and better than any other offers I've received. I'm so glad I was able to be funded with this company.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed May 16, 2019

    I received a mailer for Liberty Lending offering a great rate to consolidate my credit cards. We took a chance for the first time responding to something like this. The customer service rep at Liberty was extremely helpful and kind. We told them we didn't want a credit card settlement (that can damage credit a bit) but a personal loan in order to pay off high interest credit cards and to have extra funds for a surgery coming up. We were referred to their sister company FreedomPlus for a personal loan and to complete the process. All of this took just one afternoon. By that night, we had been approved and signed all necessary documents.

    We are so thankful we called and made this decision. It will pay off our cards within a few years and at a much lower interest rate. They would have never been paid off this quickly with just the minimum payments being made. All together those payments were much higher than this simple loan payment. We would definitely recommend this company just on their professional and friendly manner but definitely to also help pay down debt. Very happy consumer!

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    Loan Process

    Reviewed April 27, 2019

    Was stuck with a situation with no easy solution in sight. These guys came forward and offered to help. The process was easy and painless. I was particularly impressed with the way they made sure my information was safeguarded.

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    Online & AppStaffLoan Process

    Reviewed April 26, 2019

    I had an offer for a personal loan from liberty lending. The application process was very simple and straightforward. The agent that helped me was very knowledgeable and helped me with all my questions. Overall great experience.

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    Customer ServiceLoan Process

    Reviewed April 26, 2019

    The overall process went extremely well. Great information was provided and the customer service was excellent. I was able to consolidate my credit cards and get back on track with saving. I’d certainly recommend service to any of my friends and family.

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    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed April 16, 2019

    I received a letter in the mail from Liberty regarding a personal loan. I called to find out more information. Within a couple of hours, I had been approved and my loan was given to me promptly. I appreciate the time and effort made in approving me.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed April 16, 2019

    Staff was amazing. Cordial and knowledgeable. Process was easy and quick. On time and on schedule. Every call with additional information was pleasant and informative and questions were answered in a timely manner and to the point. Was definitely treated like a person and not just like a prospect. Thank you all.

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    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed April 9, 2019

    I applied for my loan to consolidate some cards and get a new air conditioner and promptly received very good attention and service and was funded 3 days after as promised. I recommend this company for others seeking loan for any reason.

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    Verified purchase
    Customer ServiceLoan Process

    Reviewed April 3, 2019

    From my initial contact, motivated via a mailer from Liberty, until completion of the loan and pay-back arrangements, I believed that the individuals handling different aspects of the transaction CARED about me and my feelings. They constantly made sure everything was on the right course. Their positive communications activities made the entire procedure much more pleasurable than I had anticipated as a first-time loan applicant.

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    Verified purchase
    Customer ServiceLoan Process

    Reviewed March 29, 2019

    The service I experience was great. They answer the question, call me in a timely manner, made sure they could accommodate all my request, even helped me when looking up creditors. I have nothing. All good remediation right now.

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    Verified purchase
    StaffLoan Process

    Reviewed March 29, 2019

    My experience with Liberty Lending Group was outstanding! Everyone was professional, discreet, informative and personable. I would highly recommend Liberty Lending Group to help you meet your personal financial goals!

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    theresa increased rating by 4 stars.
    After a positive interaction with Liberty Lending Group, theresa increased their star rating.

    Reviewed March 29, 2019

    I called and got an answering service, they wanted all my info including my ss #. If I had talked to a real loan officer I would have given it to them. But there is no way in hell I'm giving that info out to a answering service. I do not need a loan that bad. Good luck to all of you. I hope the answering service has honest people but you never know in this day and age.

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    Verified purchase
    Loan ProcessRates

    Reviewed Feb. 24, 2019

    Getting a personal loan from Liberty lending group was very easy, they helped me through the entire process and my creditors are paid and I have a lot lower of an interest rate than what I had been paying my 9 accounts. Thank you Liberty. Highly recommended!

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    StaffLoan ProcessTransparency

    Reviewed Feb. 22, 2019

    Last year I fell in hard times due to medical reasons. I searched the web for debt consolidation companies and found Liberty Lending. I was explained the process and found the option best for me. Since applying they have settled 2 of my accounts! They are very professional and I might recommend them.

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    Reviewed Feb. 21, 2019

    I was a little stressed out the first 5 months but when the first settlement offer came in it gave me more room to breathe easier. I would recommend this to anyone who asks me. I’m feeling more confident with every settlement offer that comes in. I feel that more and more pressure is being taken off my shoulders every month. Thank you Liberty for all you’ve done so far.

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    Customer ServiceLoan Process

    Reviewed Feb. 8, 2019

    I have no problem recommending Liberty to anyone. I got the loan offer, called and was funded and the process was simple, need the money for some home renovations that ran up larger than expected, thank you for the great service, thumbs up!

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    Verified purchase
    StaffRates

    Reviewed Jan. 24, 2019

    The bottom line is I received a mailer advertising $87k at 4.99% and I ended up with $55k at 11.99%. Although I didn't get the interest the mailer advertised, I am still saving a few hundred dollars on interest as my credit cards averaged a 23% APR. I only incurred the debt due to unexpected business expenses that popped up I had to get taken care of. The only reasons they are getting a full 5 stars and not 4 is because the representative I spoke with, Kimberly, was extremely helpful and polite and I knew going into this that the initial offer came with fine print.

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    Loan Process

    Reviewed Jan. 14, 2019

    Got funded from this company and I'm very happy because I really needed the money. The best thing I did with the loan was pay off all of my debt. My credit score is getting better and that's the best part about it. I hope to never be in a situation to have to consolidate debt in the future but if I did I would definitely contact Liberty Lending Group again.

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    Punctuality & SpeedStaffTransparency

    Reviewed Jan. 12, 2019

    I applied and got approved same day and the money was in my account a couple days later. This was my first time applying for a personal loan and I didn't expect for the process to be that simple. The terms were explained very clearly and the staff was very helpful and answered all of my questions. I would recommend this company.

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Jan. 9, 2019

    I had a great experience with Liberty Lending Group. They got me funded quickly and delivered on everything they said they would. Good customer service and high level of professionalism. I was able to pay off all of my credit card debt with the loan and my finances are a lot easier to manage now, and I'm saving lots of money.

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    Punctuality & SpeedLoan Process

    Reviewed Dec. 27, 2018

    I got the funds I needed quickly at a decent rate, I took a lot less than I was originally offered and they didn't pressure me to take the entire offer. My experience was great and wouldn't hesitate recommending them to anyone.

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    Verified purchase

    Reviewed Dec. 18, 2018

    This company does what they say they will do. Granted the rate they advertise is not the rate I received but it was very close. Regardless I was able to consolidate 38k in credit card debt and the process was smooth and simple. I wouldnt hesitate to work with them again. Thumbs up.

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    Rates

    Reviewed Dec. 12, 2018

    I was able to consolidate my credit card debt and couple personal loans that I had after some home remodeling and landscaping. Great to have a lower monthly payment and only one payment to manage with lower interest hitting less heavy. Would highly recommend.

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    Liberty Lending Group Company Information

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