I applied with Freedom Plus and was approve foe 33600. The only downside is that they charged a 5% origination fee. They advertise 1.38% between 5 %; but they charge me the highest :( The customer service and the representative that helped me was great. It is just they orignation fee that got me..lol The interest rate wasnt all that great, but less than Lending club a few other lenders. If you have good credit, you can definitely find a lender who will give you a loan with no originations fees and a lower interest. Remember that they are competing for your business, not the other way around. I would recommend Freedom plus, if you have no other option at the time, otherwise, defintely shop around.