Achieve Personal Loans
Achieve Personal Loans
in Personal Loans from Achieve

Achieve Personal Loans

in Personal Loans from Achieve
SuperMoney Net Recommendation Score -22  


This product is mostly not recommended by SuperMoney users with a score of -22, equating to 2.6 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

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Community Rating Mostly not recommended
APR  (Fixed APR) 7.99% - 29.99%
(Verified 02/03/2023)
Loan Amount $5,000 - $50,000
Loan Term (Months) 24 - 60 months
Number of Reviews 18

Achieve Personal Loans Review

Achieve Personal Loans is offered by Achieve, a nonbank financial services provider founded in 2002 and based in San Mateo, CA. Achieve Personal Loans are available in 40 states (and Washington, DC).

Key Takeaways

  • APRs starting at 7.99%. These are typical starting rates for personal loans.
  • Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
  • Large loan amounts. You can apply for loan amounts of up to $50,000 with Achieve Personal Loans.
  • Prequalified rate. You can check your prequalified rate at Achieve with a soft pull that will not affect your credit score.
  • Coborrower applications accepted. Applying for Achieve Personal Loans with a coborrower who has better credit than you could improve your chances of approval and may help you qualify for lower interest rates.

Achieve Personal Loans Pros & Cons

Pros Cons
  • Rate discounts available
  • Fast and easy application
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 3 business days.
  • Accepts coborrowers.
  • APRs as high as 29.99%.
  • Charges an origination fee of up to 6.99% of the loan amount.
  • Charges a late fee.

Achieve Personal Loans FAQ

What interest rates and personal loan terms does Achieve Personal Loans offer?

Achieve Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Achieve Personal Loans offer?

Achieve Personal Loans offers a fixed APR personal loan product that ranges from 7.99% APR up to 29.99% APR.

How much can you borrow via Achieve Personal Loans?

Personal loan amounts start at $5,000 and go up to $50,000.

What is the maximum loan term you can get with Achieve Personal Loans?

Achieve Personal Loans offers loans with terms of up to 60 months.

Achieve Personal Loans Interest Rates & Loan Terms
Personal Loan Amount $5000 - $50000
Loan Term 24 - 60 months
APR 7.99% - 29.99%

What fees does Achieve Personal Loans charge?

Does Achieve Personal Loans charge an origination fee?

Achieve Personal Loans may charge a personal loan origination fee of up to 6.99% of the personal loan amount.

Does Achieve Personal Loans charge a late fee?

No, Achieve Personal Loans will not charge you a late fee if you miss one of the monthly payments.

Does Achieve Personal Loans charge prepayment fees?

No, Achieve Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Achieve Personal Loans Fees
Origination Fee up to 6.99%
Prepayment Fee No
Late Payment Fee No

What do you need to qualify for Achieve Personal Loans?

Applicants with a credit score of at least 620 and up to 850 may be eligible for Achieve Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Achieve Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Achieve Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Note that borrowers can add a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Achieve Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Achieve Personal Loans.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid personal checking account
  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of citizenship or residence permit
Achieve Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Co-borrowers
  • Individual Applications
  • Credit Score 620 - 850

    What is the estimated funding time for a personal loan via Achieve Personal Loans?

    Achieve Personal Loans will typically approve (or deny) a loan application within 48 hours and fund loans within 3 business days of approval.

    Does Achieve Personal Loans report your account activity to credit bureaus?

    Yes, Achieve Personal Loans reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

    Is Achieve a legit company?

    Achieve was founded in 2002, it is a well-established company that has been in business for 21 years. Achieve Personal Loans are mostly not recommended by SuperMoney community users.

    Achieve Personal Loans Disclosure: *All loans available through Achieve Personal Loans (NMLS ID #227977) are 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, and credit usage and history. Minimum loan amounts vary due to state-specific legal restrictions – please call an Achieve Personal Loans consultant for further details. Loan amounts generally range from $5,000 to $50,000 including origination fees, and are offered based on loan purpose and underwriting conditions. Repayment periods range from 24 to 60 months. APRs range from 7.99% to 29.99% APR and include applicable origination fees. Example loan: four-year $20,000 loan with a rate of 15.49% and corresponding APR of 18.34%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 7.99% APR loan, a borrower will need excellent credit, a loan amount for $12,000.00 or less, and a term of 24 months. Loan origination fees vary from 1.99% to 6.99%. Adding a co-borrower with sufficient income; using at least 85% of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could also help you qualify for lower rates. 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. Times noted are estimates and can vary for a loan request from Achieve Personal Loans (NMLS #227977). Same day approvals assume that a fully completed application with all required supporting documentation is provided early enough on a day that our offices are open. Achieve Personal Loans consultants are available Monday–Friday 6AM to 8PM MST and Saturday–Sunday 7AM to 4PM MST.
    SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

    Message From Achieve Personal Loans

    Personal Loans through Achieve are low, fixed-rate loans members can use to consolidate their unsecured debt or fund a major expense. Members pick from 2, 3, 4, or 5 year terms, and loan amounts ranging between $5,000 to $50,000*. Throughout the entire process, from application to funding, you work with the same dedicated Achieve team member to create a customized loan solution.

    Members can depend on this sole contact to answer an questions, review their current financial status, and help map out the future they seek. Achieve Personal Loans has already worked with over 400,000 members and helped fund over $5B in loans since 2008.


    • Headquarters
    •   1875 S Grant Street
      Suite 400
      San Mateo, CA 94402
    •   Visit Site

    Hours of Operation

    • Sunday 7:00am - 4:00pm
    • Monday 6:00am - 8:00pm
    • Tuesday 6:00am - 8:00pm
    • Wednesday 6:00am - 8:00pm
    • Thursday 6:00am - 8:00pm
    • Friday 6:00am - 8:00pm
    • Saturday 7:00am - 4:00pm

    About Achieve Personal Loans


      Available in 40 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Delaware
    • Florida
    • Georgia
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kentucky
    • Louisiana
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Virginia
    • Washington
    • Washington, DC

    Feature Breakdown

    No Prepayment Fee
    Origination Fee (%) Up to 6.99%
    Checking Account Required
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Co-borrower
    • Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Minimum Age 18
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Verification Documents Required
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    • Recent Pay Stubs
    • Proof of Income
    • Government Issued Photo ID
    Credit Score Range 620 - 850
    Approval Speed 48 hours
    Credit Bureau Reporting
    • Experian
    • Equifax
    • TransUnion
    Customizable Payment Dates
    Funding Time Range 1 - 3 days
    Payment Options
    • Member Dashboard
    • Over the Phone
    • Automatic Payments
    • Check by mail
    Pre-Qualified Soft Credit Inquiry
    APR Type Fixed APR
    Loan Amount $5,000 - $50,000
    APR (Fixed APR) 7.99% - 29.99%
    (Verified 02/03/2023)
    Loan Term 24 - 60 months

    Achieve Personal Loans Community Reviews


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    This product is mostly not recommended by SuperMoney users with a score of -22, equating to 2.6 on a 5 point rating scale.


    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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