Liberty First Lending

Liberty First Lending: personal loans for debt consolidation

Liberty First Lending is a personal loan provider focused on debt consolidation. Its approach centers on combining credit card balances and other obligations into a single fixed monthly payment, with the goal of simplifying repayment and reducing financing costs compared to typical credit card rates. The company presents itself as an accessible option for various credit profiles.

Product and terms

The company's offerings include personal loans up to $75,000, with annual percentage rates (APR) starting at 5.99%. The company states that rates range from 5.99% to 29.99%, depending on the applicant's creditworthiness. The typical repayment term is 60 months, and the company highlights that it does not charge application fees or prepayment penalties.

The website shows illustrative examples of monthly payments for a 60-month loan: $387 for $20,000, $580 for $30,000, and $773 for $40,000. These amounts are presented as indicative estimates calculated from credit card balance comparisons.

Application and funding process

The process is divided into several stages. Applicants can check their offer without affecting their credit score, as the initial inquiry is a soft credit pull. Next, the company asks applicants to complete a profile with personal and address information, verify their identity, and accept the terms online. Once the loan is approved, Liberty First Lending states that funds are deposited electronically into the customer's bank account within one to two business days.

The company also offers the option to schedule a 30-minute phone consultation with an advisor, with available time slots Monday through Sunday, from 5:00 a.m. to 7:30 p.m. Additionally, the site allows users to request assistance from a Spanish-speaking representative.

Mail offers and reservation code

Liberty First Lending manages offers sent by mail. Recipients of these communications can enter a reservation code of up to 15 alphanumeric characters to claim the offer. The company notes that only letters A through Z and digits 0 through 9 are accepted, and special characters are not allowed. Checking the offer does not affect the credit score.

Partner network and applicant consent

In the application process, the company details that it shares information with a network of partners and affiliates to provide personal loan and debt consolidation options. Names listed on the form include Advantage Law, Americor Funding, LLC, Axos Bank, BestEgg, Consolidated Credit Solutions, Consumer Defense Partners, Credit9, LLC, debt.org, Even, Figure, Happy Money, Horizon Finance Solutions, In-Charge (debt.com), Liberty First Lending, LLC, Lighthouse Finance Solutions, Marcus by Goldman Sachs, Mission Loans, LLC, Monevo Inc, New Day Financial Solutions, Prosper, Strong Law, and Upstart.

The applicant gives express consent for Liberty First Lending, its affiliates, partners, and authorized third parties to contact them by phone or text message, including for marketing purposes, using automated systems or AI-generated voices. This consent extends to calls on Sundays, holidays, or outside normal business hours. The company clarifies that consent is not a condition of purchasing goods or services and that, alternatively, the applicant can call (888) 446-8205 to continue the application.

Customer service and availability

Liberty First Lending handles phone inquiries at (800) 350-1332. The company states that its team is available seven days a week to answer questions. The website includes customer testimonials describing the process as simple and praising the service received, though these are individual experiences collected by the company itself.

Location and contact

Phone: (800) 350-1332