Reach Financial Reviews
Formerly Liberty Lending
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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 free monthly access to your credit score, flexible payment schedules and U.S.-based customer service.
- Customizable loan terms
- Free credit score monthly
- Payment options on a monthly, semi-monthly or bi-weekly schedule
- Cash bonuses for paying on time
- Limited uses for loans
- No weekend phone support
Reach Financial Reviews
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- 4,893,584 reviews on ConsumerAffairs are verified.
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- Our moderators read all reviews to verify quality and helpfulness.
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- 4,893,584 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.
Updated review: July 8, 2025
As a client of Reach I encountered an issue where I was quite dissatisfied. The next day I received a call from Kyle who took care of the issue immediately. He gave me the time and attention. I was pleased. Great customer service.
Original Review: July 7, 2025
I have been a consistent client. I reached out to the company due to difficulties. They gave me limited options which was defeating my purpose. No loyalty for my consistency as a client. No care about the client and their relationship.
Reviewed April 25, 2025
Wouldn't recommend. My opinion this is an unhealthy alliance between National Debt Relief and this overpriced lender. If you're in debt management and cannot make payments, seek an attorney's advice instead of this lender. Don't give into the pressure sale of this lipstick on a pig. First of all, the interest rate offered was terrible and worse than my current lender or cc companies. Second, they basically showed on paper that I was restarting my payment plan structure with longer terms vs what I was currently. Third the payments were higher than what I'm currently paying.
I suggest if your debt management company is suggesting these guys hang up on them. My "consolidation review" with my debt company quickly transitioned into well if you want a house better I recommend this loan company. Which seems odd to begin with. The lender offered horrible terms with 22% interest over a 64-month term. If you have no other outs and must consider their loan I highly recommend discussing with counsel before signing any of it. I didn't accept their lending offer and choosing instead to continue with my debt management company's current plan. In my opinion from my recent experience Reach's offer and behavior is predatory lending.
Thank you for your feedback and were sorry to hear that you were disappointed with the loan offer. We understand how tough financial situations can be, and we want to clarify how our loan is designed to help.
Our Express Settlement loan complements the Debt Settlement Program by providing the funds needed to settle debts quickly, helping you graduate from the program in approximately 90 days. It also helps to potentially eliminate collection calls, reduce legal risks, and start rebuilding a positive payment history with the credit bureaus.
The loan uses a simple interest structure unlike credit cards that charge compounding interest. The interest is only calculated on the principal balance, not on previous interest, which helps save you money.
We understand that every customer’s situation is unique, and we always strive to provide the most beneficial solution for each individual. We welcome the opportunity to speak to you in greater detail and address your concerns. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday, our phone number is 800-606-8200 and ask to speak with Kyle. We look forward to assisting you.
Reviewed Feb. 10, 2025
No good. They want your birth certificate and passport. I don’t travel. I love my country. I told them to withdraw the application and I’ll take my business elsewhere. I’m working getting the hard inquiries remove from this fraudulent company.
Thank you for sharing your experience with us. We are sorry to hear that you were disappointed with the application process and welcome the opportunity to address your concerns.
After the application was submitted it still needed to be reviewed by our verification department to be decisioned. As part of this process, we may request additional documentation to meet our underwriting guidelines.
We welcome the opportunity to speak to you in greater detail and address your concerns. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday, our phone number is 800-606-8200 and ask to speak with Kyle. We look forward to assisting you.
Reviewed Nov. 18, 2024
I was directed to Reach through another debt consolidation company. While talking to the representative from Reach, he assured me that both of my creditors would be taken care of with the loan that I would be receiving. Two creditors is all that I have, totalling about 25k. As we talked more, he got information from me and informed me of my monthly payment and the total months that I would be paying if I did the consolidation. I told him everything sounded good and I would like to go ahead with the loan. He started sending me different papers to sign and the loan quickly was approved at a pretty high interest rate of 28%. I thought that it was rather high considering my credit score was around 750, but went forward with it anyways. I thought paying one creditor would be better than two.
I was a "silly rabbit" with this loan as it turns out. The representative did not give me all the information regarding the loan, such as origination fees. The whole time we talked he never mentioned it. He also did not tell me the loan was approved for less than what was originally stated. I know that I should have been more careful before signing documents that were sent. I knew better. I should have had something in writing to verify what the representative was saying. I was also told that this would be payable in 24 months. After the loan was approved, it came back as 48 months to pay it off. The only thing that I was told that was correct was the monthly payment, sort of.
It took about 2 weeks to pay the creditors after the "consolidation". The real trick was that there was no consolidation. I found out after making my first payment that one of the creditors had not been paid off. I came for debt consolidation, but there was no consolidation going on here. They only approved enough to pay one creditor and gave the other one 3k, which means that that creditor is still looking to be paid monthly. My payment to Reach is now almost $200 dollars more than what I was giving the creditor that they paid off.
I tried to get consolidation to help with debt but ended up with more after dealing with them. I can't afford an extra $200 as month or I probably would not have contacted them. I keep talking to customer service reps to try to get them to see that no consolidation occurred with this loan. I always get the answer, "Everything is finalized now, and we can't change the payment or do anything about the loan". This was a bad loan, and nobody seems to see it. I started with two creditors and still have two creditors, but one of them is now Reach, wanting bigger monthly payments than I can afford. I guess my credit score is about to take a nosedive. I will pay what I can afford, which is not what they want. I guess something is better than nothing.
If getting a loan through them inquire about origination fees and any other fees before signing. Make sure what you are signing for is the amount needed to satisfy creditors and make sure that you have it in writing before signing anything. I rushed into this trying to settle debts. Take your time. Don't be fooled like me. This has been a miserable experience. The only thing that I have offered is forbearance, which is pretty much useless. Pay pushed back until later. Ideally, I would have liked for someone to revisit the loan and see that it's useless. No benefit to me at all. This is all true and I am a current customer.
Thank you for taking the time to share your experience, and we’re truly sorry to hear that it left you feeling disappointed.
With our consolidation loan, customers do have the ability to adjust both the amounts allocated to their creditors, the repayment term before submitting the application and the origination fee is displayed on the Truth in Lending Disclosure. This is part of our effort to provide flexibility and transparency during the application process.
The loan uses a simple interest structure unlike credit cards that charge compounding interest. The interest is only calculated on the principal balance, not on previous interest, which helps save you money.
We welcome the opportunity to speak to you in greater detail and address your concerns. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday, our phone number is 800-606-8200 and ask to speak with Kyle. We look forward to assisting you.
Reviewed Oct. 11, 2024
Customer service is in India, where a man (when I questioned whether it was necessary to do the loan at all) shamed me, blamed me for the debt because I am a woman, and asked if it was fair to my husband to not do this loan. Then, they wouldn't give us the interest rate before us signing, which ended up being almost 26%. I regret working with this company, 100%. I also suspect they have an unethical relationship with National Debt Relief - just based on how all the sudden it was impossible to get more than 18% debt reduction after we signed for the consolidation loan. Just don't. I don't know where these good reviews come from because there is no way.
Thank you for sharing your experience and we sincerely apologize for the dissatisfaction you experienced.
We want to assure you that all of our customer-facing teams are 100% U.S. based, and we welcome the opportunity to investigate your concerns further. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday, our phone number is 800-606-8200 and ask to speak with Kyle. We look forward to assisting you.
Reviewed May 12, 2024
I found this company through a credit score site that preapproved me with my credit score and was amazed how fast everything went through..I was hesitant at first in going through this company until I researched it more and seen a lot of good reviews. Thank you Reach for helping me!
Thank you for sharing your positive experience with us! We're delighted to hear that you found everything moved swiftly and you benefitted from researching fellow reviews. It's always rewarding to know that we could ease your hesitations and fulfill your needs successfully. Your kind words inspire us to continue delivering great service. Thank you for choosing Reach!
Reviewed July 29, 2023
Having Reach Financial consolidate your loans into one, which was initially what I wanted to do, was a blessing. And with the low price, it was very nice. It was a no-brainer. The application process was very simple and the reps were very helpful and flexible. They told me what the process was and it took 90 days for everything to transfer over to Reach Financial. But it was immediate. There wasn't much for me to do. What they said would happen, happened. The reps were very transparent, clear, knowledgeable and personable. If I had a question, they answered it. If they didn't know, they got someone who did. It was a very pleasant experience.
Working with Reach helped me get to my goal to be debt free. It's not stressful, which is wonderful. They laid it out and didn't overwhelm you with a whole lot of information, like spam mail. It's very personal to me as well because when I went through National Debt Relief, I was very upset with myself. This is something that you don't want to do or have to happen but it did. But there was a solution and with Reach Financial, they took all of that stress away. I had a loan to pay for those creditors and get everything all done in one swoop, and it took a lot of stress when that happened.
Thank you so much for sharing such a delightful and detailed review of your experience with Reach Financial! We are thrilled to hear that our loan consolidation service helped you along your path to becoming debt-free without adding to your stress. It's wonderful to know that our team could provide a personal touch, clarity, and effective solutions during every step of the process. We are grateful for your trust and look forward to continuing to assist you whenever needed!
Reviewed July 29, 2023
I like the rates with Reach Financial. It was also easy to understand how to fill the application out.
Thank you for sharing your positive experience with Reach Financial. We’re delighted to hear that you found our rates favorable and the application process easy to navigate. Providing clarity and simplicity in our services is important to us, and we're thrilled it contributed to an excellent experience for you. If you have any further questions or need assistance in the future, feel free to reach out. We appreciate the opportunity to serve you!
Reviewed July 17, 2023
A lot of the application was done electronically. So, once everything got submitted, I received a noticed that really outlined the summary as well as some of the information that they would be leveraging. Also, the customization was user-friendly to where I could select how I wanted to distribute different resources. Once I was ready, I was able to execute digitally and everything was smooth. But I wanted to have additional funds allocated and the information that I was given was that it was just not available at the time. I would have liked a little bit more clarification on how I could have additional resources approved because if I wanted to revisit that, I could absolutely do that as opposed to having a hard line in the sand saying, "No, this is what it is."
Thank you for sharing your detailed experience with us. We're pleased to hear that you found our application process user-friendly and efficient. However, we apologize for any confusion regarding the allocation of additional funds. We understand that clear communication is vital and would like an opportunity to provide further clarification. Please feel free to reach out so we can discuss your options and ensure you have all the information you need. Your satisfaction and peace of mind are important to us, and we're here to assist in any way possible.
Reviewed July 16, 2023
I was going through National Debt Relief and they said I had done so well, making on-time payments and it was a good opportunity for me to get the debt settled a lot faster with a loan through Reach Financial. I had a few questions and the rep answered all of them. I didn't initiate this myself so, I was a little unsure. But he went through everything with me and was very patient. So, the application process was easy and the customer service was great. The turnaround was a day or two before I got the first settlement and that was fast. Five days later, I got another one. So, Reach appears to settle quickly. I haven't got my first payment through them yet and they said it might be slightly higher than what I'm paying but somewhat comparable. At least the settlements are done and it's not putting me so much in the hole where I'm going backwards of having to pay so much money. It's been a great experience so far.
Thank you for sharing your experience with us! We're thrilled to hear that the transition to Reach Financial's services was smooth and that our team was able to assist you effectively. It's wonderful to know that the process was quick and our customer service met your expectations. We appreciate your kind words and confidence in us. Thank you for choosing Reach Financial!
Reviewed July 16, 2023
They were very informative, helpful, and kind. They were pretty good. Reach settled our debt.
Thank you very much for taking the time to share your kind words! We're delighted to know our team was informative, helpful, and able to meet your needs. It’s great to hear that you had such a fantastic experience. If there's anything more we can do for you, please reach out. Your satisfaction is our highest reward!
Reviewed July 15, 2023
I was pleased with the application process. That didn’t take long at all. Their customer support is great. I called and said, “I don’t want to send my bank account again to somebody that I don't even know who it's gonna be.” The rep went through it and told me they have all the information. That was very helpful. It’s awesome the way they take care of business. They sent the stuff off and paid it off. Now I’m just gonna pay them. I’m happy.
We're delighted to hear about your positive experience with our team and the satisfaction you felt throughout the process. It's wonderful to know that our quick application process and effective customer service met your expectations and addressed your concerns promptly. At Reach Financial, ensuring a seamless experience while addressing all your needs is our primary goal. Thank you for sharing your positive thoughts, and we look forward to being of service to you in the future.
Reviewed July 15, 2023
I did a debt consolidation and the application process was very fast and smooth. Once the debt consolidation was paid, I received information again from Reach with regard to the payment. Everything was agreed at the time of the contract and I knew every step before it happened. They notify me when it's going to be due and when it’s been automatically paid. Then, every time I call, I get the responses. I'm paying Reach off now and I still have seven more months. I would recommend them if people want to liquidate and put everything in one payment and get it done as soon as possible.
Thank you for sharing your experience with Reach Financial. We’re delighted to hear that the debt consolidation process went swiftly and smoothly for you. It’s wonderful to know that the communication regarding payment schedules and processes met your expectations and that our approach provided clarity at every step. Your willingness to recommend us means a lot. If you have any further questions or need assistance as you continue managing your payments, please don't hesitate to get in touch. We're here to help and ensure your experience remains positive.
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.
Thank you so much for your wonderful feedback! We're delighted to hear that our representative was able to provide clear guidance and support when you reached out to inquire about your monthly details. It's great to know you had such a positive experience, and we're here to assist you with anything else you need in the future. Your satisfaction is our priority, and we appreciate your trust in Reach Financial.
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.
Thank you for sharing your delightful review! It’s wonderful to hear that you successfully paid off your debt with Reach Financial's assistance and that our representatives were helpful throughout your journey. We’re pleased to know that working with us has positively impacted your credit report and your overall satisfaction. Your kind words reassure us in our commitment to helping customers manage their debts effectively. If you ever need further assistance or have questions, don’t hesitate to reach out. We appreciate your trust in Reach Financial and are here to continue supporting you as you strive toward your financial goals.
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.
Thank you for sharing your experience with us, and I'm truly sorry to hear about your recent difficulties. Your health and well-being are of utmost importance, and we understand the frustration you must have felt during this stressful time.
We are always committed to improving our service and are here to discuss your account and any misunderstandings that occurred. We welcome the opportunity to speak to you in greater detail and address your concerns. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday, our phone number is 800-606-8200 and ask to speak with Kyle. We look forward to assisting you.
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.
Thank you for sharing your wonderful experience with Reach Financial! We're delighted to hear that our representative was able to facilitate a smooth and pleasant consolidation process for you. We're here to support you wholeheartedly on your financial journey, and we greatly appreciate your trust in us. Feel free to reach out if you need any more assistance or have questions in the future!
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.
Thank you for your glowing review of Reach Financial. We are delighted to hear that our lower interest rates helped you with refinancing and combining your loans effectively. It's wonderful to know that the swift and efficient process met your expectations. We are committed to providing easy and smooth experiences for our customers, and we’re here if you need further assistance. Your satisfaction is important to us, and we’re grateful for your trust!
Reviewed June 10, 2023
Reach Financial is understanding of clients whenever they have a financial hardship they need to work around.
Thank you for your review. We're very pleased to hear that Reach Financial has been compassionate and supportive in times of financial hardship. It is our goal to provide a service that truly hears and understands our clients' needs. If there's anything further we can assist you with, please do not hesitate to reach out to us. Your experience is incredibly valuable to us.
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.
Thank you so much for taking the time to share your experience with us! We're delighted to know that the application process was swift and efficient, and we're glad that you were pleased with the communication and support from our representatives. Your recommendation means a lot to us, and we’re thrilled to have earned your trust. Please don't hesitate to reach out if you have any future questions or need assistance. Your satisfaction is our priority, and we’re here to help!
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.
Thank you for taking the time to share your wonderful feedback! We're overjoyed to hear that our team has been helpful and informative during your application process and that you were comfortable with how smoothly everything went. Getting approved swiftly and easily over the phone shows our commitment to providing efficient service, and we're so pleased we could deserve your wholehearted recommendation. Your trust means the world to us, and we look forward to serving you again in the future!
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.
Thank you so much for your kind remarks and recommendation! We are delighted to hear that our representative provided an excellent level of service and communicated effectively throughout your experience. It’s fantastic to know that once you were approved, everything proceeded quickly. Your vote of confidence in recommending us to others is truly appreciated, and we aim to continue delivering such impressive service in the future. Please feel free to reach out if there is anything more we can do for you!
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.
Thank you for sharing your experience. It’s understandable to feel relieved as you near the completion of your payment plan. Should you ever need further assistance or have additional inquiries, we're here to support you and help make any remaining steps as smooth as possible.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Reach Financial Company Information
- Company Name:
- Reach Financial
- Website:
- www.reach.com
