Simplify your payments and Take Control of your Financial Freedom with our Personal Loans


Liberty First Lending, your trusted partner in personal loans. Let us help you take control of your finances and achieve your financial goals.

Our Process

  • We offer free consultations to make sure our services are the right fit for you.

  • We evaluate your outstanding balances, interest rates, and discuss your goals.

  • We look at all the options to determine which personal loan will best meet your needs and we customize the best plan for you.

  • Start saving with lower monthly payments.

  • Pay off your outstanding balances and enjoy financial freedom!

How Much Debt Do You Owe?

Personal Loan Specialist

Our team of skilled financial consultants is dedicated to creating personalized solutions that suit your individual financial circumstances. Our ultimate goal is to help you save more and lead you towards a more prosperous financial future.

Say hello to financial freedom.

Liberty First Lending can consolidate your personal loans, making it easier to repay your outstanding balances with more ease.

 ‡‡ Liberty First Lending works with Lending Partners who originate loans. Individual borrowers must be at least 18 years old and have a valid social security number and a valid checking account. All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, credit history, and state of residence. Currently, loans are not offered in: MA and NV. Our mailing address is Liberty First Lending (Payoff), 555 Corporate Drive, Suite 130, Ladera Ranch, CA 92694.

* Checking your rate generates a soft credit inquiry that is only visible to you. A hard credit inquiry that can affect your credit score appears when your loan is issued.

Your repayment terms will depend on your interest rate, origination fee, loan amount, and loan term. For example, a loan of $16,000 at 12.56% APR with Liberty First Lending will have a $400 origination fee and a monthly payment of $415 for 48 months.

‡ Liberty First Lending's lending partners offer fixed rates between 10.50% APR and 29.99% APR for loan amounts from $5,000 to $40,000. The minimum rate for loan amounts above $15,000 is 10.99% APR. The minimum loan amount and APR may vary in certain states. Rates depicted are accurate as of February 13, 2023. Please see our Rates and Terms page for specific details.

† The origination fee is charged by the lender who funds and issues your loan through Liberty First Lending's platform. Lenders do not charge any late, bounced check, failed ACH, or other fees. The origination fee is based on your loan amount, term, and credit quality. This one-time fee is deducted from your loan proceeds when your loan is issued. 

†† Based on a study of Liberty First Lending's customers who received a loan between March 2021 to August 2021. Customers who paid off at least $5,000 in credit card balances saw an average increase in their credit score of 40 points within four months of receiving a Liberty First Lending loan. Results may vary and are not guaranteed.

Individual borrowers must be at least 18 years old and have a valid social security number and a valid checking account to apply for a loan through Liberty First Lending. All loans are subject to credit review and approval, and your actual rate depends upon credit score, loan amount, loan term, credit usage, credit history, and state of residence. Currently, loans are not offered in MA and NV. Our mailing address is Liberty First Lending, 555 Corporate Drive, Suite 130, Ladera Ranch, CA 92694.