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Helping people finance their futures since 2008.
Achieve is a personal loan service built for people who want competitive rates and a simple online process. With over $13 billion in loans issued and more than 450,000 members served, the lender has built a track record helping individuals meet financial goals. The lender’s hands-on approach is what sets it apart from other online loan services. Every Achieve applicant has the option to receive personalized support from a dedicated loan consultant who stays with them every step of the way.
Achieve personal loans can be used for consolidating debt, covering home improvements, or making a large purchase. Like many personal loans, Achieve personal loans are unsecured, meaning you don’t need to put up collateral like a home or investments to qualify. Instead, approval is based on things like your credit history, your income, and how much debt you’re carrying.
Achieve provides personal loans ranging from $5,000 to $50,000. Applicants can customize their repayment terms from 2, 3, 4, or 5 years,* and select a monthly payment date that works best for their budget. Interest rates are fixed, so your monthly payment stays the same for the life of the loan, making it easier to plan ahead. There’s no penalty for paying off your loan early, so if you’re able to make extra payments, you can save on interest without additional fees.
Because the loans are unsecured, you don’t need to put up collateral like a house, car, or savings account to qualify. Approval is based on your credit history, income, and overall financial profile, not your assets. That gives more flexibility to applicants who don’t want to risk personal property.
One of Achieve’s key differences is the option for dedicated phone support. Applicants who want help can be matched with a loan consultant who stays with them from application to funding, offering a more personalized experience than platforms that rely solely on automated tools or rotating support teams.
For those who prefer self-service, the full process can be handled online, including tracking your application and managing your loan through a secure dashboard.
The application starts with a short online form to help you check your eligibility. You'll enter basic details such as how much you want to borrow, your contact information, and where you live. This step is quick, free, and doesn’t affect your credit score—there’s no hard credit check involved at this stage.
If you're prequalified, it means Achieve has reviewed the information you provided and found that you may be eligible for a loan. It's not a final approval, but it gives you an idea of what loan terms you could receive before moving forward.
From there, you can either continue online or choose to speak with a dedicated loan consultant. Consultants can help you understand your options, answer questions, and tailor your loan—such as selecting a term length or setting a payment date.
A hard credit check is only performed once you decide to move ahead with your application. If approved, funds are typically sent to your bank account within a few business days.
Achieve personal loans can be used to pay for many different things. Many borrowers use these funds to consolidate high-interest credit card debt, combining multiple balances into a single fixed monthly payment. Others use the funds for:
There are no restrictions on how the loan must be used, as long as it’s for personal, not business, purposes.
Achieve’s loans feature fixed interest rates, so your monthly payment stays the same for the entire term of the loan. This consistency can make budgeting easier, especially when compared to credit cards or loans with variable rates that can increase over time.
The lender does charge an origination fee, usually between 1.99% and 8.99%. This is a one-time fee that helps cover the cost of processing your loan. It’s automatically deducted from your total loan amount before funds are sent to you. For example, if you're approved for a $10,000 loan with a 3% origination fee, you'd receive $9,700.
While this type of fee is common among personal lenders, it's something to consider when calculating how much you need to borrow.
There’s no penalty for early repayment, so if you want to pay off your loan faster, you can do so without extra fees, and potentially save on interest.
Rate Discounts
Achieve offers several opportunities to reduce your interest rate if you qualify. These include:
These discount options aren’t required but may help lower the total cost of borrowing.
Achieve could be a practical option for people looking for a fixed-rate loan with built-in flexibility and optional one-on-one support. Its track record, range of loan options, and available rate discounts may make it worth a closer look—especially for those focused on consolidating higher-interest debt or planning a major expense.
Achieve may be a good fit for people looking for a personal loan with solid rates, flexible repayment terms, and the option of real support. While other platforms may rely more heavily on automation, Achieve provides the added reassurance of working with a dedicated loan consultant if questions or concerns arise. For applicants who want a straightforward loan process but appreciate having expert guidance available, Achieve could be worth considering.
Achieve Loans Disclaimers
*Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 29.99% and include applicable origination fees that vary from 1.99% to 8.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 8.99%, a rate of 15.49%, and corresponding APR of 20.77%, would have an estimated monthly payment of $561.60 and a total cost of $26,966.26. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; or showing proof of sufficient retirement savings, could help you also qualify for lower rates. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time. $6,000 savings: Average savings claims for personal loans are based on 2023 data for 2, 3, and 4-year terms on funded debt consolidation loans for $21,600. Savings will vary based on several factors, subject to credit approval and other conditions. Any savings will be reflected in the offer.
**Not all applicants will qualify for interest rate savings or receive the maximum savings percentage. Average interest savings for personal loans range from 0% to 4% based on closed loans that qualified for one or more of our rate discounts in 2024. Offered interest rate savings are not guaranteed, will vary based on several factors, and are subject to credit approval and other conditions. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; and/or showing proof of qualifying retirement savings, could help some customers qualify for lower rates. To be considered for any savings option, customers must apply for and submit a new Achieve personal loan application, meet one or up to all three of the savings options, and meet our underwriting criteria. Any savings will be reflected in the offer and will fall within our standard range of rates. Applicants with excellent credit who qualify for the lowest rate may not be eligible for additional interest rate savings. Advertised savings rates are subject to change without notice.
***Funding time periods are estimates and can vary for each loan request Same day approvals assume a completed application with all required supporting documentation submitted early enough on a day that our offices are open. Business hours are Monday-Friday 6am-8pm MST, and Saturday-Sunday 7am-4pm MST.
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