Freedom Path Solution
ESEN

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Your loan

$5,000$50,000

How long would you take to pay it back?

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  • We explain the process before you decide.

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Frequently asked

Before you write to us.

The questions we get most, answered plainly.

What do I need in order to apply for an early graduation loan?

Three conditions have to be met before you can apply:

  • You must be actively enrolled in one of our approved debt relief programmes.
  • Only the debts enrolled in your debt relief programme qualify for the loan.
  • You must have made at least six (6) consecutive monthly withdrawals into your debt relief programme savings account.
Who qualifies for this loan?

To apply for credit, the following are required:

  • You must be a United States citizen and at least 18 years old.
  • You authorise us to make enquiries and obtain information about you in accordance with applicable law.
  • A valid bank account and a Social Security number or FEIN are required.
  • You must be employed or have sufficient income from other sources.
  • The terms of the loan offered depend on the amount requested, your credit score, the use and your credit history, and are subject to verification of that credit history.
What kinds of debt can I bring together?

These are the kinds of debt that can go in:

  • Credit card balances
  • Store credit cards
  • Personal loans
  • Medical bills
  • Utility bills in collection
  • Payday loans
  • Lines of credit
  • Overdraft balances
  • Other unsecured loans
How do I make my payments?

Payments are made in monthly instalments. Personal loan instalments are worked out from the term you choose (12, 24, 48 or 60 months) and from the interest rate applied to you when your loan is approved.

What is the maximum amount I can ask for?

Unsecured loans run from $5,000 to $50,000, with flexible repayment terms of 12, 24, 48 or 60 months.

How long does it take for the money to be paid out?

Once your application is complete and verified, if your loan is approved you will receive a Loan Agreement to sign electronically. After you sign the document electronically, the loan amount is transferred directly to your creditors for settlement within 24 to 48 hours.

How are my current debts settled with this loan?

Once your application is pre-approved, we notify your debt relief company so that it can begin negotiating the balances with your enrolled creditors. After you accept all the settlement offers, we finalise your loan documents and send them to you electronically for signature. Once signed, we transfer the loan funds to the trust account opened by your debt relief company. From there, your debt relief company makes the payments to your creditors under the accepted settlement agreement.