Liberty 1 Financial is not a lender at all an even with their lending network gets mabe 1% of applicant a loan threw their network. In fact in you don't meet a very certain criteria in regards to Fico, Net Income, Employment Status between W2 & Self Employed, and Payment History Liberty 1 Financial doesn't even run your application threw their lender network they simply deny you the loan an switch you to Debt Settlement process via a few different backend companies like Clarity Debt Relief, Beyond Finance, and ELP debt validation. There commission paid by those companies varies but is around 8% of the total debt amount enrolled per month. They target customers via data bought from the various credit bureaus based on certain criteria then send out their mailer to individuals. If you are in the market for an unsecured installment loan you need not apply an waiste your time.
Recommendation: Try your Bank, Credit Union, or actual loan providers like Lending Club ect.