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In 2014, Andrew Housser co-founded Achieve Personal Loans (formerly “FreedomPlus”) with the goal of helping borrowers consolidate their high-interest debt into a lower interest loan. Since then, the company has grown tremendously, originating over $1 billion in loans. Using a unique loan servicing model, borrowers can apply for a loan online then speak to a loan consultant over the phone to get a loan with rates and terms customized for their particular situation. Excellent customer service, competitive rates, and flexible terms set Achieve apart from other online lenders in the space.
Achieve Personal Loan’s mission is to help borrowers find an affordable and smart solution to debt and help them move forward to a brighter financial future. They offer loans for nearly any purpose, including home improvement, vacations, medical expenses, weddings, and more.
Achieve Personal Loans offers loans from $5,000-$50,000. Rates very between APR: 8.99% - 29.99% APR with terms from 2-5 years**. The ideal candidate for an Achieve personal loan has multiple high-interest credit cards or other forms of unsecured debt and a good credit score. Through Achieve Personal Loans, borrowers dealing with high debt amounts can roll all of their debt into a single loan with a lower rate, simplify their monthly payments, and typically pay off the debt faster than if they were making minimum payments. Since Achieve offers flexible rates and terms, borrowers can choose an affordable loan that fits their exact needs and budget.
Unlike other lenders, Achieve Personal Loans offers discounted rates to borrowers who qualify. These discounts include***:
Achieve Personal Loans offers a quick and easy online application, followed by a best-in-class and optional personal loan consultation. Borrowers can discuss their loan options with a knowledgeable and friendly consultant to customize their loan offer.
Easy online application
No credit impact to check rates
Same-day loan decisions and funds sent within 24-72 hours*
Consolidate $5,000-$50,000 in high-interest credit card debt
Fixed-rate APRs as low as 7.99%** (terms apply)
Flexible loan terms of 2, 3, 4, or 5 years**
No hidden fees
No prepayment penalty
Rate discounts available***
Achieve offers a highly personal loan application process, customizing loans to fit each individual borrower’s needs. To apply for a loan from Achieve Personal Loans, you may have to provide the following information:
Proof of income
Social Security Number
Proof of identity
Employment status
Most of the Achieve loan application process is conducted online, but you have the option to speak to a loan consultant at any time. We went through the process multiple times, testing with lower credit scores and different loan types and were always eligible for a loan and found that 620 is the minimum credit score.
Once the initial application is completed, an Achieve Loan Consultant can call you to discuss your APR, repayment terms, and potential discounts if you so choose. These rates are assigned based on the information provided during the initial and underwriting factors. Borrowers with lower credit scores typically experience higher APRs, but it’s easy to find out what your rate might be.
Repayment of Achieve personal loans are made through the normal channels, with automated electronic funds transfer being the preferred method. Dates and terms are agreed upon before signing the contract – but borrowers are able to reduce this term by making early payments (without penalty). Length of terms range from 24-60 months.
Achieve Member Services provides access to the expertise and knowledge of highly qualified professionals.
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| APR | APR: 8.99% - 29.99% | 7.90% - 35.99% |
| Min. credit score | 620 | 600 |
| Loan amounts | $5,000 - $50,000* | $1,000 - $40,000 |
| Loan term | 24 - 60 months | 36 - 60 months |
| Best for | Paying off debt | Small loans |
Achieve Personal Loans offers a simple way to consolidate your high-interest debt with a loan. You can find mostly positive reviews across sites like Better Business Bureau and TrustPilot. This highly private and personalized loan system has been helping struggling consumers for more than a decade and wouldn’t still be around if it wasn’t working.
2114 E Rio Salado Blvd
Tempe AZ, 85281
USA
* 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.
** Personal loans are available through Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank or Pathward N.A., Equal Housing Lenders and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history. Loans are not available to residents of all states. Minimum loan amounts vary due to state specific legal restrictions. Loan amounts generally range from $5,000 to $50,000 (including the origination fee) and are offered based on underwriting conditions and loan purpose. APRs range from 7.99 to 29.99% and include applicable origination fees. Repayment periods range from 24 to 60 months.
For example: A four-year $20,000 loan with an APR of 18.34% would have an estimated monthly payment of $561.60 and total cost of $26,956.80. To qualify for a 7.99% APR loan, a borrower will need excellent credit, a loan amount of $12,000.00 or less, and a term of 24 months.
Loan origination fees vary from 1.99%to 6.99%, most loans have a fee of 4.99%. 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 a lower rate.
*** Average interest savings for personal loans range from 0% - 6% based on closed loans that qualified for one or more of our rate discounts in July 2022.
