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Reach Financial

Reach Financial Reviews

Formerly Liberty Lending

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Written by Lorraine Roberte
+1 more
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Edited by Shawn Richardson

About Reach Financial

Reach Financial offers personal loans to help you refinance credit card debt or consolidate debts from various creditors. You can check your rate on a loan from $3,500 to $40,000 with no effect on your credit score, then customize your loan terms. Other benefits include monthly access to your credit score, the ability to pause your payment for up to 90 days and U.S.-based customer service.

Pros
  • Customizable loan terms
  • Free credit score monthly
  • Payment pause up to 90 days
  • Cash bonuses for paying on time
Cons
  • Limited uses for loans
  • No weekend phone support

Reach Financial Reviews

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    How do I know I can trust these reviews about Reach Financial?
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 2 Reviews 10 - 40
    Verified purchase
    Customer ServiceStaffTransparency

    Reviewed July 1, 2023

    I was the one who called to find out about my monthly because Reach Financial sent me an email and I received it, but it was good. The rep explained everything to me and they understood everything. All was good.

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    Verified purchase
    Staff

    Reviewed June 30, 2023

    Once my loan was low enough, National Debt Relief transferred what was left of my debt to Reach Financial and I just paid a monthly fee. I recently just paid it off and dealing with Reach was very good. The rep I spoke with was very helpful and it took less than 30 minutes. I've been trying to get my credit report up and it’s been positive.

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    Verified purchase

    Reviewed June 25, 2023

    I ended up in the hospital and when I got out, I was off work for a month with no pay. I called all my bill collectors and explained what was going on. Reach kept sending my payments through and every time they did, I got an overdraft fee. That slightly pissed me off. Once I get them paid off, I'll never go back to them again. I was up to date on my payments and I was just letting them know that I might be late on this payment a little bit because I was hacked. It didn't matter but that's fine. I just don't deal with them anymore. We gotta have a little empathy here somewhere but they don't. It's all about money.

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    Verified purchase
    StaffLoan Process

    Reviewed June 25, 2023

    The rep from Reach talked me through what I needed to do and I did the process. It took a couple of days and it was a pleasant experience. I had a bunch of credit card bills, and I was paying a bunch of credit cards every month. They helped me consolidate them. It’s been good so far and I haven't had any problems.

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    Verified purchase
    Punctuality & SpeedLoan ProcessRates

    Reviewed June 24, 2023

    Reach Financial is excellent. They have a lot lower interest rate than the other personal loan companies. With them, I was able to refinance higher interest rate loans and combine them with a lower interest rate one. The process is fast.

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    Verified purchase
    Staff

    Reviewed June 10, 2023

    Reach Financial is understanding of clients whenever they have a financial hardship they need to work around.

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    Customer ServicePunctuality & SpeedOnline & AppStaffLoan ProcessTransparency

    Reviewed June 10, 2023

    The application process with Reach was fast. I sent some papers and the loan was there on the same day. The communication was good and the reps were nice. I will recommend them and the company.

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    Verified purchase
    Customer ServiceOnline & AppStaff

    Reviewed June 9, 2023

    They have all been very helpful and informative. The application was also very easy and fast. I got approved on the phone when I talked to them. They are a good company. I would recommend them without any reservation.

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    Verified purchase
    Punctuality & SpeedStaffTransparency

    Reviewed June 9, 2023

    The Reach Financial rep's level of knowledge was very good and the character was excellent. He talked very well. He communicated with me very well. Once I got approved for everything, stuff started happening really quickly. It was really good. I would recommend people to go to Reach and tell them exactly how good they are.

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    Verified purchase
    Rates

    Reviewed June 9, 2023

    I'm on a payment plan, and I'm coming to the end of it. I pay interest, but that's part of the penalty for being a little in debt. The payments stop in September, and I'll be glad when it's over.

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    Verified purchase
    Staff

    Reviewed May 20, 2023

    I called Reach Financial and did everything over the phone. They were super nice. They treated me royally and worked with me step by step. If I didn't understand something, they would repeat and stay with me. They weren’t pressuring me. They helped me, and I didn't have to worry about anything. They asked me the date I wanted the payment taken out. I got my sister-in-law to do it with them. She's very pleased.

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    Reach Financial
    Response from Reach Financial

    At Reach Financial we strive to provide the best possible service to our customers, and it's always rewarding to know that we've met your expectations. Your satisfaction is our top priority, and we're delighted that we were able to assist you effectively.

    Verified purchase

    Reviewed May 20, 2023

    It's been great with Reach. Everything is posted online and I'm able to see my account whenever a deduction is made. I'm with National Debt Relief until the account gets paid off, which is almost done. Reach gave me a loan for a certain amount of money to pay off the account. I am very happy and impressed.

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    Reach Financial
    Response from Reach Financial

    Thank you so much for your fantastic review! We greatly appreciate your kind words and are thrilled to hear that you find our services rewarding. It's our passion to provide valuable and helpful solutions to our customers, and your satisfaction is truly rewarding for us.

    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed May 19, 2023

    I acted on my son's recommendation and Reach Financial got back to me right away and they were able to help me right away. The whole experience was excellent. It was all done within a day. It's the best experience I've ever had with dealing with any loans situation.

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    Reach Financial
    Response from Reach Financial

    Thank you so much for your wonderful review! Providing prompt and efficient service is a top priority for us, and we're glad to know that we could meet your expectations. We greatly appreciate you and your son's support and the trust you've placed in us.

    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppLoan ProcessTransparency

    Reviewed May 4, 2023

    It was a quick and easy process to get started and from application to approval was almost immediate. Also, everything was very clear and easy to understand. There was no question on when payments were coming out. It was clearly on the website and I could look it up and see when they were being pulled out. I contacted them once to ask a question when I paid it off and I still had a remaining balance and they were quick in responding to my questions. Working with them got me where I wanted to be much faster.

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    Reach Financial
    Response from Reach Financial

    Thank you for taking the time to share your positive experience with us! We are thrilled to hear that our process was quick and easy for you, from the application to the approval stage. Providing a seamless and efficient experience is something we strive for, and we are glad to know that we met your expectations.

    Verified purchase
    StaffLoan Process

    Reviewed April 29, 2023

    It was a very simple process with Reach. I spoke to a couple of their reps and they were very courteous and helpful. So far, Reach has been good to me. They tried to accommodate me with the payments 'cause I only get disability money.

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    Reach Financial
    Response from Reach Financial

    Thank you for taking the time to share your positive experience with Reach. We are glad to hear that our team members provided you with courteous and helpful assistance throughout the process. Providing exceptional customer service is a top priority for us, and we are delighted that we met your expectations.

    Verified purchase
    Loan Process

    Reviewed April 20, 2023

    It was a very responsive and super easy process. Everything was done online. I just input all my information and everything that it asked me to do.

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    Reach Financial
    Response from Reach Financial

    Thank you so much for sharing your positive experience with us. We're thrilled to hear that our process was responsive and super easy for you and that you found it convenient to complete everything online. Thank you once again for choosing Reach. We appreciate your feedback and look forward to serving you in the future.

    Verified purchase
    Customer ServiceStaff

    Reviewed April 18, 2023

    Reach took over a company that I was already enrolled with. Their representatives are good. They communicate and reply to emails. I would recommend a friend to work with Reach.

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    Response from Reach Financial

    Thank you for sharing your feedback regarding your experience with Reach. We're glad to hear that our representatives have been helpful and responsive in their communication with you.

    If there's anything else we can assist you with or if you have any further questions, please feel free to reach out to us. We're here to support you.

    Verified purchase
    Customer ServiceOnline & AppLoan Process

    Reviewed April 18, 2023

    I was with a debt relief company and they transferred me over to Reach. The application process was kinda weird. It was done over the phone and I never signed any papers. It seemed like a strange way of doing it. Also, I wish Reach could chat a little bit more.

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    Reach Financial
    Response from Reach Financial

    Thank you for sharing your experience with us regarding the application process and communication. Your feedback is valuable to us, and we appreciate your willingness to share it.

    Regarding the application process, we understand that it may have felt different from what you were used to. At Reach, we have embraced electronic signatures as a secure and efficient method for documentation. By utilizing electronic signatures, we can expedite the process and reduce paperwork, ensuring a more seamless experience for our customers.

    If you have any further questions, please don't hesitate to reach out to us. We are here to assist you in any way we can and ensure your satisfaction with our services.

    Verified purchase
    Staff

    Reviewed April 18, 2023

    I spoke to someone from Reach Financial and he explained the process to me. I understood what he said to me and I decided to go from there. I would tell others to go with them as well. I was even recommending my daughter to go with them.

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    Response from Reach Financial

    Thank you for sharing your positive experience with Reach Financial. We're thrilled to hear that our representative was able to provide you with a clear explanation of our process and that you felt informed and confident in moving forward with us. We appreciate your trust in our services and are grateful for your recommendation to others. Thank you for choosing Reach Financial, and we look forward to serving you and your family.

    Verified purchase
    StaffRates

    Reviewed April 10, 2023

    Everything went great when I worked with Reach. Working with the rep was awesome. But the interest rate is kinda high.

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    Response from Reach Financial

    Thank you for sharing your positive experience with Reach. We're glad to hear that your overall interaction with our representative was awesome and that you had a great experience working with us.

    We appreciate your feedback regarding the interest rate, and we also offer ways to help you save on interest. One option is to consider a bi-weekly payment frequency. By making payments every two weeks, you can effectively reduce the overall interest paid on your loan. Additionally, we do not charge any prepayment penalties, which means you have the flexibility to pay off your loan earlier and save on interest.

    If you have any further questions or concerns, please feel free to reach out to us. We value your input and are committed to providing the best possible service to our customers. Thank you for choosing Reach, and we appreciate your trust in our services.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffRates

    Reviewed April 9, 2023

    I would just call Reach Financial and they would answer my questions. I always felt like I got the right answers and we paid them off with a balance transfer. It was a little tricky, but it got done. So, I no longer owe them anything. I owe them money to somebody else, but just not paying the interest on it. The one thing they do not tell you is that they make these deals with your credit card companies and they make a settlement for these amounts. And as soon as I told them I would pay it off, they made settlements for all those amounts very quickly. When I went to pay them off, they didn't tell me that I would get a bunch of tax statements saying that I owe money to the federal in taxes for the money that was forgiven. No one tells you that. So, I just lost my job and now I have a $1,100 tax bill I have no way of paying to the government. And I'm a very poor person.

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    Verified purchase
    Customer ServiceOnline & AppStaffLoan Process

    Reviewed April 3, 2023

    The application process with Reach took about an hour and it took that long because I was very skeptical. I had so much debt and I wanted to make sure I was doing the right thing. I regretted it afterward for the mere fact that I added credit cards. I put credit card debt on to the consolidation. After the fact, I realized that I didn't have an APR on that until January of 2024 so I pretty much put an APR on something that I didn't have an APR on to begin with. That stunk. After I got off the phone, I felt I was taken. But it is what it is. Their guy was nice and he did his job well. He knew what he was talking about. He was very patient because I had a million questions. Kudos to him for that.

    I still have ways to go. But it's nice to have my debt consolidated. The only problem is that I'm always on such a tight budget that one of the cards that I had consolidated on there, I had to use again. It's like I'm beating a dead horse type of thing. I'm reverting right back to where I was. I'm a single mom and I pay for my daughter's college tuition.

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    Reach Financial
    Response from Reach Financial

    Thank you for sharing your experience with us. We understand that making decisions about consolidating debt can be a daunting process, and we appreciate your thoroughness in ensuring that it was the right choice for you.

    We're glad to hear that our representative was able to assist you and provide the necessary information during the application process. Our team strives to be knowledgeable, patient, and helpful, and we're pleased that we could address your concerns and provide guidance throughout.

    Reviewed March 28, 2023

    Their APRs they offer are ridiculous, and designed to keep one in debt. Predatory lending for sure. If you encounter any sort of hardship, they are ruthless in their reporting to credit bureaus. Avoid at all costs.

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    Reach Financial
    Response from Reach Financial

    Thank you for taking the time to share your feedback. We value our customers and their financial well-being. If you encounter any hardships or difficulties, we have dedicated support teams in place to assist you and explore potential solutions.

    We want to assure you that our goal is to provide fair and transparent lending options to our customers. We strive to offer competitive rates that align with industry standards.

    We appreciate your feedback and take it seriously. We welcome the opportunity to address your concerns further, please reach out to us directly. Thank you for bringing this to our attention, and we hope to have the opportunity to improve your perception of our services in the future.

    Verified purchase
    Staff

    Reviewed March 25, 2023

    The rep I spoke with was fabulous and he went through the detail of what I was going into. He was so knowledgeable and upfront and gave me the opportunity to tell him what I would really like to do.

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    Reach Financial
    Response from Reach Financial

    Thank you for sharing your positive experience with us. We're thrilled to hear that our representative provided you with excellent service and took the time to understand your needs and preferences. Thank you again for choosing Reach Financial, and we look forward to continuing to serve you in the future.

    Verified purchase
    StaffLoan ProcessRates

    Reviewed Feb. 22, 2023

    My experience with Reach was awesome. They were very good and knowledgeable. I was very happy. I got an affordable rate for my loan.

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    Response from Reach Financial

    Thank you for sharing your feedback regarding your experience with Reach Financial. We are thrilled to hear that you had an awesome experience and that our team provided you with excellent service.

    Verified purchase
    StaffLoan Process

    Reviewed Feb. 22, 2023

    Applying for a loan with Reach Financial was really smooth. Everything was done over a phone call. Their loan rep was really helpful. It was a good thing that I was able to get that loan, and I would recommend Reach Financial.

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    Response from Reach Financial

    Thank you for your feedback regarding your loan application experience with Reach Financial. We are pleased to hear that the process went smoothly and that our loan representative was helpful throughout the process. If you have any further questions or need assistance with anything else, please do not hesitate to reach out to us. We are here to help and provide ongoing support.

    Verified purchase
    Customer Service

    Reviewed Feb. 18, 2023

    I filled out the form and Reach said it would take about three days and everything will be paid off. But it took two weeks and nobody told me what was going on. Nobody sent me an email and called me. I was kinda left in the dark until I saw one day that my debt was paid off. I don't even know when my payments are gonna be or what's going on. I haven't been receiving emails if my account is up to where they would automatically withdraw all the payments. Other than that, getting the required documents over to Reach was pretty easy. Half the time, somebody stayed on the phone with me and was explaining things to me. That helped a lot.

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    Response from Reach Financial

    Thank you for reaching out to us and providing feedback on your experience with Reach Financial. We sincerely apologize for any confusion or lack of communication you experienced during the loan processing period. We understand the importance of keeping our customers informed and updated throughout the process, and we regret any inconvenience caused. Thank you for bringing these matters to our attention. We value your feedback as it helps us improve our processes and better serve our customers.

    Verified purchase
    Loan Process

    Reviewed Feb. 18, 2023

    Credit Karma told me I had outstanding chances for a loan through a company, but I didn't get approved for it. That was when I came in contact with Reach Financial, and they came through. They had the loan based on my debts and where I owed money to. That made it really easy 'cause all I had to do was plug in the balance, the account numbers and they were paid off. That's what I'm paying back for now, which is great.

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    Response from Reach Financial

    Thank you for sharing your positive experience with Reach Financial. We are glad that we were able to assist you in obtaining a loan and helping you pay off your outstanding debts. We strive to offer personalized solutions to our customers, and we're delighted that we were able to meet your specific needs. Helping you simplify your debt repayment and providing a clear path toward financial stability is our priority. Thank you once again for choosing Reach Financial. We appreciate your trust in us and look forward to continuing to serve you in the future.

    Verified purchase
    Staff

    Reviewed Feb. 17, 2023

    The rep I had at Reach was very helpful and had all the information that I needed. Applying with them was fairly easy and quick.

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    Response from Reach Financial

    Thank you for sharing your positive experience with Reach Financial. We are thrilled to hear that our representative was helpful and provided you with all the information you needed. Customer satisfaction is our top priority, and we are pleased that we were able to meet your expectations.

    Verified purchase
    Customer ServicePunctuality & SpeedLoan Process

    Reviewed Feb. 16, 2023

    Everything went smoothly and quickly in my experience with them. When I had questions and I emailed them, they got back to me the very next day with the answers that I needed. I also like their online portal. It's really self-explanatory and gives a lot of information. They're a good company to go with.

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    Response from Reach Financial

    Thank you so much for sharing your positive experience with us! We are thrilled to hear that everything went smoothly and quickly during your interaction with us. Providing excellent customer service is one of our top priorities, and we are glad to know that we were able to address your questions promptly.

    Your kind words mean a lot to us, and we truly appreciate your recommendation. If you have any further questions or need any assistance in the future, please don't hesitate to reach out. We are here to help!

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    Reach Financial Company Information

    Company Name:
    Reach Financial
    Website:
    www.reach.com