Freedom Finance Loans

Are you considering a loan with Freedom Finance? Or perhaps you already have one, and you’re looking for further information about the company. Either way, we’ve compiled the most important, in-depth information about Freedom Finance’s loan for you in this loan guide.

About – Who are Freedom Finance Loans?

Freedom Finance is a credit broker that offers loans to UK residents. They are based in Manchester and were established in 2007.

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What are the key features of loans available through Freedom Finance?

It’s important to analyse the key features of a loan carefully before you commit. Here are the critical details of the kind of (unsecured) loan you could secure through Freedom Finance:


Minimum APR: 2.9%
Maximum APR: 249.5%.

The APR for the loan is advertised at 2.9%. This is a best case scenario. Depending on your individual circumstances, the APR could go up.

Loan Amount and Repayment Period

You can borrow between £500 and £25,000.

The loan repayment period can be between 1 – 7 years. 


Here’s the representative example that they give on their website:

If you borrow £7,500 over 5 years at a representative APR of 28.4% and an annual rate of 28.4% (fixed) you would pay £221.28 per month. Total charge for credit will be £5,776.80. Total amount repayable is £13,276.80. Minimum repayment period is 12 month. The % APR rate you will be offered is dependent on your personal circumstances.

Information correct as of 01/04/21 (FreedomFinance)

How do I apply for a Freedom Finance loan?

You can apply for a Freedom Finance loan online.

Freedom Finance Loans Loan review

Freedom Finance reviews

It’s important to see how other customers have rated their experience with Freedom Finance. Take a look at their up-to-date reviews here.

Trustpilot review

Information correct as of 14/06/21 (Trustpilot)

How to complain about Freedom Finance?

Should you need to make a complaint about Freedom Finance, then you can use the details below to either write to them or call them.

Mike Harrison
Atlantic House
Atlas Park
Greater Manchester
M22 5PR
[email protected]

If Freedom Finance does not respond to your complaint then you should contact the Financial Ombudsman Service. They might be able to handle your complaint.

Information correct as of 01/04/21 (FCA)

Mind the cap!

There are now price caps, which were introduced by the Financial Conduct Authority to protect borrowers. These include:

  • Cost cap of 0.8% per day on the value of the loan borrowed – including interest and fees.
  • Default fees cap of £15 – a default interest may be charged, but it should not be higher than 0.8% per day.
  • Complete cost gap equal to 100% – borrowers should not be asked to repay over 100% of the amount they have borrowed.

These apply to credit agreements which have an interest rate 100% or more a year and will be either fully or substantially repaid within a year.

There are other regulations which came into force in May 2017. With these regulations, borrowers must have their details on a price comparison website, and this must be authorised by the FCA . They must also state the cost of borrowing.

What is Continuous Payment Authority?

The debt is usually paid back through a Continuous Payment Authority (CPA). This means that the loan company can take loan repayments directly from you. They should give prior notice of this.

There are some new regulations which make the CPA safer for borrowers. This include – if the CPA fails twice, the loan company can’t keep trying to take payments. They can also not take partial payments.

Company information:

After researching Companies House and their website, we found the following information about Freedom Finance:

Date of incorporation: 29 June 2007
Company status: Active
Company number: 06297533
Company type: Private limited Company
Address: Altantic House Atlas Business Park, Simonsway, Manchester, M22 5PR
Opening Hours: 
Monday 9am to 7pm
Tuesday 9am to 5:30pm
Wednesday 9:30am to 5pm
Thursday 9:30 to 7pm
Friday 9am to 2pm
Phone number: +4408004320142

Information correct as of 01/04/21 (Companies House)

FCA registration:

The Financial Conduct Authority (FCA) is the conduct regulator for financial services firms and financial markets in the UK. 

FCA regulated: Yes
FCA status: Authorised
FCA reference number: 662079
Trading names: 
Freedom Finance Services
Fusion Score
Freedom for Intermediaries
Freedom Business Finance
Freedom Finance Limited
Freedom Finance
Lending Wizard
The Lending Wizard
Place of business: 
Atlantic House
Atlas Park
Greater Manchester
M22 5PR

Information correct as of 01/04/21 (FCA)

Data protection registration:

Data protection registration means that this company is registered with ICO, the UK’s independent authority set up to uphold information rights in the public interest. The privacy of your data will be protected.

Registration No: Z120757X
Data controller: Freedom Finance Limited
Atlantic House
Atlas Business Park
M22 5PR

Information correct as of 01/04/21 (ICO register)

Where are Freedom Finance located?

You may want to speak with the loan company in person. If you do, it’s important to find a company whose offices are near your own address. Take a look at their office location on a map.

Atlantic House, Atlas Business Park, Simonsway, Wythenshawe, Manchester M22 5PR

Where to get debt help

Thankfully, there are legitimate debt advice companies who offer a free service and are there to help. These include:


CONC 2.1 Application

CONC 5.2A Creditworthiness assessment

CONC 13.1 Application

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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