Liberty First Lending - Comprehensive Review

Liberty First Lending: Comprehensive Review

Welcome to our comprehensive review of Liberty First Lending. In this review, we will delve into the details of their services, commitment to customer service, and overall industry reputation.

Liberty First Lending is a brand-new lending company. They offer personalized loans ranging from $2,500 to $45,000 with APR ranging from 5.99% to 29.99% that align seamlessly with individual circumstances.

This review aims to provide you with a thorough understanding of Liberty First Lending, helping you make informed financial decisions. We will explore their services, accreditations, customer feedback, and more. By the end of this review, you should have a clear picture of whether Liberty First Lending is the right choice for your financial needs.

Who are Liberty First Lending?

Liberty First Lending is a financial institution specializing in providing personal loans to individuals nationwide.

Here are some key details about their services:

  • Loan amounts: Liberty First Lending offers loans ranging from $2,500 to $45,000. This range allows borrowers to choose a loan amount that best suits their needs.
  • Interest rates: The Annual Percentage Rates (APRs) for their loans range from 5.99% to 29.99%. The rate a borrower receives will depend on their creditworthiness and other factors.
  • Origination fee: All loans from Liberty First Lending include a required origination fee. This fee is used to cover the cost of processing the loan.

Liberty First Lending uses Monevo, a platform for credit providers to host and distribute pre-qualified credit offers, utilizing state-of-the-art technology to change the industry landscape. The platform allows lenders to scale their customer acquisition efforts by benefitting from higher approval rates, lower acquisition costs, and access to unique channels available only on the Monevo platform.

Monevo Inc. operates a global platform integrated with over 150 credit providers and banks across multiple territories, including the United States, the United Kingdom, and Australia​.


Unfortunately, the exact location of Liberty First Lending is not clearly stated online. The address on the BBB review page differs from the address listed in the Secretary of State California database.

A company must be transparent about its location, which can affect trust and reliability. We encourage Liberty First Lending to provide this information for potential customers.

Always remember to verify the location of a company before engaging in any financial transactions.

Provided Services

Liberty First Lending offers debt consolidation loans designed to help individuals pay off their credit cards and simplify their financial situations.

They provide a straightforward loan application process, low fixed rates, and an easy approval process.

Their services include a free consultation, aiming to enable clients to be debt-free faster with a single, easier monthly payment without hidden fees.

They offer loan amounts ranging from $2,500 to $45,000 with Annual Percentage Rates (APRs) ranging from 5.99% to 29.99%​.

Remember, it’s always important to do your own research and consider your personal financial situation before choosing a financial service provider.

Secretary of State Information

You can find specific information related to Liberty First Lending in the Secretary of State California database.

Liberty First Lending - Secretary of State infromation

Licenses and Accreditations of Liberty First Lending

Liberty First Lending has been an accredited business with the Better Business Bureau (BBB) since June 13, 2023. The BBB is a private, nonprofit organization that provides services and programs to assist consumers and businesses.

For the most accurate and up-to-date information, it is recommended to check more up-to-date information on the BBB website or contact Liberty First Lending directly.

Offer Mail Example

Here’s an example of Liberty First Lending mail you may get:

Liberty First Lending - Mail Example - Front
Liberty First Lending - Mail Example - Back

Remember, it’s crucial to review any offer mails you receive thoroughly. Ensure you understand all the terms and conditions before making any financial decisions. If you have any doubts or questions, don’t hesitate to contact the company for clarification.

Official Website

The official website of Liberty First Lending is, a simple landing page designed to collect clients’ data and funnel the client to the loan application process.

Liberty First Lending - Official website

Please note that other financial institutions with similar names, such as Liberty First Credit Union, Liberty Financial, and First Liberty Bank, are separate entities and should not be confused with Liberty First Lending.

Always verify the legitimacy of a company and its online presence before engaging in any financial transactions or sharing personal information.

LinkedIn Profile

Liberty First Lending has a LinkedIn profile stating the company has 11-50 employees (7 have LinkedIn profiles).

Liberty First Lending - LinkedIn profile

We recommend contacting Liberty First Lending directly for more information about their team and services.

Commitment to Customer Service and Success

Liberty First Lending is committed to delivering unparalleled customer service, transparency, and efficiency. They strive to stand out in the crowded financial sector by prioritizing their customers’ needs and ensuring a smooth lending process.

However, it’s important to note that customer experiences vary. Some customers have praised the company’s commitment to customer service, while others have raised concerns.

Here are some key points to consider:

  • Positive Feedback: Many customers have praised Liberty First Lending for their efficient service and transparency. They appreciate the company’s efforts to provide clear and concise information about their services and the lending process.
  • Negative Feedback: At the time of writing this article, no negative reviews are available online. Considering the company’s age, I recommend being very careful when considering this company.
  • Response to Feedback: It’s also worth noting that Liberty First Lending has not responded to customer reviews on the BBB website, which could be a concern for potential customers.

In conclusion, it looks like Liberty First Lending is committed to customer service and success. Potential customers should be aware of the company’s age and the absence of negative reviews.

Remember, it’s always important to do your research and consider multiple sources of information before making a financial decision.

Better Business Bureau (BBB) Rating

Liberty First Lending has a Better Business Bureau (BBB) profile.

Liberty First Lending - BBB reviews

The company has an A- rating and an overall score of 5 out of 5 based on two customer reviews.

Reviewers highlighted the company’s personal touch, knowledge, and dedication to client satisfaction, especially during financial hardships.

By offering strategic financial solutions and reducing high interest rates, the institution helped customers regain financial stability.

Both reviews highly recommend Liberty First Lending for their client-centric approach and unwavering support.

It’s important to note that the BBB asks third parties who publish complaints, reviews, and responses on their website to affirm that the information provided is accurate. However, the BBB does not verify the accuracy of the information provided by third parties.

As always, we recommend potential customers research and make informed decisions when choosing a financial service provider.

Trustpilot Rating

Unfortunately, we could not find any specific Trustpilot reviews or ratings for Liberty First Lending at the time of writing this review. It’s important to note that customer feedback and ratings on platforms like Trustpilot can provide valuable insights into a company’s performance and customer satisfaction. However, the absence of such information does not necessarily indicate a negative or positive stance.

We recommend potential customers also consider other information sources when making their decision. In the following sections, we will explore other aspects of Liberty First Lending, including their Better Business Bureau (BBB), Google Reviews rating, and Best Company ratings.

Remember, it’s always a good idea to do comprehensive research and consider multiple sources of information before making a financial decision.

Google Reviews Rating

Unfortunately, no specific information about Google Reviews for Liberty First Lending is available. There may be some confusion with similarly named companies, such as Liberty First Credit Union and Liberty Mutual.

As a result, we couldn’t find any Google Reviews that we could definitively attribute to Liberty First Lending.

When considering any financial institution, it’s always a good idea to check multiple sources of reviews and feedback. This can include Google Reviews and other platforms like the Better Business Bureau, Trustpilot, and personal recommendations.

Remember, it’s important to make informed decisions based on reliable information. Always double-check the facts and consider multiple perspectives.

Best Company Rating

Unfortunately, there is no information about Liberty First Lending’s rating and customer feedback on Best Company. We recommend potential customers do their research and consider multiple sources when evaluating this company.

Success Rate of Liberty First Lending

There is no publicly available success rate for Liberty First Lending at this time.

Pros and Cons of Liberty First Lending


  • Helpful and Friendly Associates: Customers have praised the associates at Liberty First Lending for being helpful and friendly. They are always ready to answer questions and provide assistance when needed.
  • Open 24/7: Liberty First Lending is open 24/7, allowing customers to reach out anytime.


  • Negative Customer Reviews: The full absence of negative customer reviews does not allow us to assemble a complete picture of the company profile.

Please note that these pros and cons are based on customer reviews and personal experiences. It’s always important to do your own research and make financial decisions based on your individual needs and circumstances.

Alternatives to Liberty First Lending

Based on my personal experience, the best alternative for any loan is a personal emergency fund. Here’s how you built it with no effort (check the autopilot section):

Emergency Fund - A Comprehensive Guide for Financial Planning

When considering your lending options, exploring all available avenues is important. While Liberty First Lending offers personal loan services, several alternatives may better suit your financial needs. Here are a few options to consider:

  1. Centris Federal Credit Union: Based in Omaha, Nebraska, Centris Federal Credit Union offers various financial services, including loans. They are a viable alternative to Liberty First Lending, especially for those located in the Midwest.
  2. Conventional Loans: These loans are not insured by the federal government and can be obtained from various lenders. They often require a higher down payment and good credit score but can offer more flexibility in terms of loan terms and interest rates.
  3. FHA and VA Loans: These loans are insured by the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA) respectively. They are designed to help first-time homebuyers and veterans secure a mortgage with favorable terms.

Remember, it’s important to thoroughly research each option and consider your own financial situation before making a decision. Always consult with a financial advisor or loan officer to ensure you’re making the best choice for your needs.


Is Liberty First lending a real company?

Yes, Liberty First Lending is a real company. It is a Limited Liability Company (LLC) formed in California that provides debt consolidation services. The company was incorporated on March 3, 2023. It has been accredited by the Better Business Bureau (BBB) since June 13, 2023


In conclusion, Liberty First Lending is a brand-new company that has been in business for less than a year and offers personal loan services. The BBB accredited them with the “A-” rating.

This company has a small amount of only positive reviews from its customers. No negative reviews are available online.

Remember, when choosing a financial service provider, it’s important to consider the positive and negative reviews. Always ensure that the provider is licensed and accredited by relevant authorities.

Ultimately, whether Liberty First Lending is right for you depends on your specific needs and circumstances. We hope this review has helped provide you with the information you need to make an informed decision.

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