Financial Prosperity for All
A united world where financial freedom is a shared mission.
We are building a community that breaks free from debt traps—where lenders and investors come together so that everyone can thrive.
The Problem
Only 1 in 14 people manage to borrow “for free” from banks by paying off their credit card balance in full each month.
The rest face…
- High interest
- Late fees
- Hidden costs
Traditional credit models punish ordinary people, trapping them in endless debt cycles.
The Solution
Freedom flips the traditional banking model with a transparent, fair system that creates a win cycle where everyone benefits.
How Freedom Loan Works
Skip the Banks
Resetting the grace periods and escape old systems
Better Rates
Freedom charges 14.95%, 17.10% and 21%* T&C's apply
Admin Fee
Our unique sliding-scale admin fee ranges from R1-R999
Instead of vanishing into costs, your fee is strategically invested in the Freedom Growth Fund—and returned to you every 6 months.
Select the term
- 55 days – Perfect for short-term needs, like covering urgent expenses.
- 3 months – Spread payments over a quarter for better flexibility.
- 6 months – Balance affordability and speed of repayment.
- 12 months – Lowest monthly payments, giving you more breathing room.
You’re in control. Select your term and start your journey to financial freedom.
Lock Funds
- Protecting borrowers from accidental overspending.
Investor Benefits
Investors earn up to 8% p.a. supporting a fairer finacial system
Tax Free Saving Account
Leverage the savings from your Freedom Loan to supercharge your financial future.
Loan Options Designed For Investors
1-3 Month Term
Quick relief for smaller debts.
✅ Lower commitment
✅ Save up to 1,6% interest
✅ Credit Score Boost
✅ Fast resolution
✅ Lower commitment
✅ Save up to 1,6% interest
✅ Credit Score Boost
✅ Fast resolution
6-Month Term
Balance speed with flexibility.
✅ Short-term structure
✅ Save up to 5,90% on interest
✅ Credit Score Boost
✅ Faster path to freedom
✅ Short-term structure
✅ Save up to 5,90% on interest
✅ Credit Score Boost
✅ Faster path to freedom
12-Month Term
Designed for debt amounts.
✅ Lower monthly repayments
✅ Time to build savings
✅ Save up to 8,05% interest
✅ Maximize your growth potential
✅ Lower monthly repayments
✅ Time to build savings
✅ Save up to 8,05% interest
✅ Maximize your growth potential
Freedom Upfront Fee vs Payment Plan
Either way, you’re choosing Freedom. Pick your plan below and start experiencing a life with less debt, less stress, and more freedom today.
Meet Our Visionary Team
We met through Krav Maga (Israeli combat training) and instantly connected. Fast forward to today—we are co-founders of Freedom Loan.
Christopher-Luke Peers
Co-Founder & CEO
Almost ruined by credit card debt, Christopher turned a setback into a comeback. With experience at Investec, Standard Bank, and Liberty, he envisioned a new model of finance—freedom over debt.
Almost ruined by credit card debt, Christopher turned a setback into a comeback. With experience at Investec, Standard Bank, and Liberty, he envisioned a new model of finance—freedom over debt.
Kwahko Cboto
Co-Founder and CFO
Currently pursuing a Master’s in Developmental Finance, Kwahko has worked at Government, EY, and Ambition. She is driven by the belief that Freedom Loans is the future of financial empowerment.
Currently pursuing a Master’s in Developmental Finance, Kwahko has worked at Government, EY, and Ambition. She is driven by the belief that Freedom Loans is the future of financial empowerment.
Join Freedom Collective SA on WhatsApp
Help shape the platform, vote on features, and share your ideas directly with us.
Legal & Licensing Framework
We've built compliance into our foundation:
NCR License
We have been approved (NCRCP21513)
Digital Verification Process
Borrowers upload statements, funds are pre-verified, and availability is confirmed before release
Your Journey to Financial Freedom Starts Here
Freedom is building a fairer financial system that empowers individuals to achieve true prosperity.
Early Access Benefit
Be First
Experience our innovative financial solutions.
Shape the Future
Influence what matters most to our community.
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Get in Touch
Have questions about Freedom Loan, our vision, or how we can help you achieve financial freedom? We’d love to hear from you!
Call Our Team
Speak to a representative for immediate assistance: +27 71 827-3633.
Email Us
Together, we rise above debt!
Freedom Loan (NCRCP21513) is a registered credit provider in South Africa. All financial products are subject to approval and terms & conditions apply.
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