HOW IT WORKS
How Our Credit Card Debt Consolidation Loan Process Works
At Liberty1, we make personal loan lending clear, supportive, and fast — so you can move forward with confidence. We’re committed to creating a stress-free borrowing experience rooted in trust and understanding. With straightforward terms, quick approvals, and a dedicated support team, Liberty1 is here to help you take control of your finances. Building a strong financial foundation that supports your future. Trusted guidance from a lending partner who puts your needs first.
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Your Credit Score Is Just A Number
Solutions For Your Situation
How we can help you
We offer the best personal loans in the business.
YOUR CREDIT SCORE
IS
JUST A NUMBER
SOLUTIONS FOR YOUR SITUATION
35,132
Personal Loans
7,824
Consolidation Loans
$45,794,583
Saved
13
Years Helping Clients Like You!
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Why Liberty1 Is a Different Kind of Personal Loan Lending Company
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Learn More About Personal Loans For Credit Card Debt Relief
Frequently Asked questions
At Liberty1 Financial, we offer personal loans with interest rates starting as low as 6.99% APR. However, it’s important to understand that the rate you qualify for is based on several personal factors. We look at your credit profile, income, debt-to-income ratio, and overall financial situation—not just your credit score. Our goal is to offer fair, transparent rates that match your unique circumstances. When you reach out to us, we’ll explain your specific rate and how it compares to your existing debts, so you can see the potential savings upfront.
At Liberty1 Financial, we don’t believe your credit score should define your future. We specialize in working with clients across the credit spectrum, including those with fair, poor, or limited credit histories. Our approach is to look at the bigger picture—your income, your ability to repay, and your overall financial goals. So even if your score isn’t where you’d like it to be, you still have options with us.
No, it won’t. When you check your eligibility or go through our prequalification process, we only perform a soft credit inquiry. This means we can assess your loan options without impacting your credit score. A hard credit pull would only happen if you decide to move forward with a loan offer. We believe you should be able to explore your options without worry.
We’re committed to transparency. Any applicable origination fees will be clearly disclosed before you accept a loan offer. As for prepayment, we never penalize you for paying off your loan early. In fact, we encourage it if you’re able to do so—it can save you money on interest. Our goal is to help you regain control of your finances, not keep you in debt longer.