Take a breath, Reduce your interest.
Disrupt the status quo. Soar above the debt. Breathe, Plant, Grow and Flourish.
Bypass Banks, Deposit Directly
Direct Deposits
Funds go straight to your cards.
Bypassing Banks
No more banking intermediaries.
Convenient Process
Simple and streamlined approach.
Four-Phase Process
Breathe
Analyze your debt, get a tailored quote.
Plant
Take advantage of our grace period to save.
Grow
Investors earn returns on transactions.
Flourish
Achieve financial freedom.
Breathe Phase: Financially Pause
1
Reset the Cycle
Depositing and retrieving funds resets the interest-free period every 55 days.
2
Clear Balances
Clearing your full balance is key to avoiding interest payments.
3
Repeat the Steps
Repeat the deposit and retrieval process every 55 days.
Unlock the Power of Value Added Services
Credit Building
Improve your credit score over time.
Debt Repayment
Automated, transparent payments.
Financial Education
Empower yourself with knowledge.
Grow: Investors Earn Returns
Profitable Investments
Earn returns on "Breath" transactions.
Financial Growth
Your investment fuels our mission.
Collaborative Effort
Partners in transforming financial freedom.
Flourish Phase: Financial Freedom
1
Debt-Free Lifestyle
Achieve the infinite objective: a debt-free lifestyle. Enjoy a life free from debt's burden.
2
Unlock Opportunities
With debt gone, new doors open. Pursue dreams and financial goals without limits.
3
Peace of Mind
Experience tranquility. Financial freedom brings peace and stability to your life.
Reviews about Freedom
⭐⭐⭐⭐⭐ "Finally, a real solution!"
💬 "I used to pay ridiculous interest every month on my credit card. Freedom stepped in and completely changed my financial situation! Now, I never pay interest, and my balance is managed seamlessly. Absolute game-changer!"
— Michael S., Standard Bank Credit Card Holder
— Michael S., Standard Bank Credit Card Holder
"Banks hate this, but it works!"
💬 "I always thought paying interest was just part of life… until Freedom showed me otherwise. They ensure I never get charged a cent of unnecessary interest, and my credit score has improved too!"
— Lisa T., FNB Credit User
— Lisa T., FNB Credit User
"Zero interest, full control."
💬 "Before Freedom, I was losing thousands a year in interest. Now, I’ve been interest-free for six months straight. If you’re serious about saving money, this is the only way to go!"
— Lisa, S., Nedbank Customer
— Lisa, S., Nedbank Customer
Contact Us
Email
Reach out to us via email. We're happy to help you with your needs.
Admin@freedomloan.co.za
Phone
Give us a call. Talk to an expert about your debt solution today.
+27 71 827 3633
Address
Visit our office. We can discuss your financial future.
56 Wandel Avenue, Woodmead, Sandton, 2196
Terms & Conditions (T&Cs) – Freedom Credit Optimization Program
User Agreement
By using our services, you agree to our Terms & Conditions. Ensure you have read and understood them.
Data Protection
Your financial data is protected under POPIA. It will not be shared without your explicit consent.
Service Description
We deposit funds to optimize balances. This ensures you remain in the interest-free period.
Terms & Conditions (T&Cs)
These Terms & Conditions govern the relationship between Freedom ("Company," "we," "us") and the User ("you," "your") in the use of our credit optimization services.
1. Introduction & Eligibility
1.1 Freedom is a fully registered NCR-licensed company that facilitates credit card balance optimization to help users avoid interest charges.
1.2 By using our services, you agree to these Terms & Conditions.
2.1 You must be a South African resident and 18 years or older.
2.2 You must hold a valid South African credit card with an active interest-free period.
2.3 Your account must be in good standing with your bank.
3. Service Description
3.1 Freedom deposits funds into your credit card balance at scheduled intervals, ensuring that you remain within your bank's interest-free period.
3.2 After a pre-determined period (e.g., 2 days), Freedom retrieves the deposited amount.
3.3 This process is repeated every 55 days to maintain an interest-free status.
3.4 The service does not add new debt to your account and functions solely as a balance optimization solution.
4. User Authorization & Bank Integration
4.1 You authorize Freedom to facilitate transactions on your credit card in compliance with South African banking laws.
4.2 You grant permission for Freedom to access transaction data to verify interest-free periods and ensure timely processing.
4.3 You acknowledge that Freedom is not a bank or lender but a financial optimization service.
5. Fees & Charges
5.1 Freedom may charge a monthly service fee or a small percentage-based transaction fee, which will be disclosed upfront.
5.2 Any bank transaction fees incurred (e.g., EFT fees) will be the responsibility of the user unless otherwise stated.
5.3 Failure to maintain sufficient funds in your account may result in bank penalties or service disruption.
6. Risks & Liabilities
6.1 Freedom does not guarantee approval or processing time by banks.
6.2 Freedom is not responsible for changes in bank policies that affect the interest-free period or transaction processing.
6.3 Users are responsible for ensuring their credit card accounts remain in good standing.
6.4 Freedom is not liable for any bank-imposed interest due to user non-compliance or technical delays beyond our control.
7. Compliance & Consumer Protection
7.1 Freedom operates in full compliance with NCR (National Credit Regulator) guidelines.
7.2 Your financial data is protected under POPIA (Protection of Personal Information Act) and will not be shared with third parties without consent.
7.3 Users have the right to cancel services at any time, subject to our cancellation policy.
8. Termination & Dispute Resolution
8.1 Freedom reserves the right to terminate service for users who engage in fraudulent activity or violate these terms.
8.2 Disputes will be handled in accordance with South African Consumer Protection laws.
9. Agreement
By signing up for Freedom's services, you acknowledge that you have read, understood, and agree to these Terms & Conditions.