Is Achieve Personal Loans the right fit for you?
Last Updated: 05/06/2026
SuperMoney User Recommendation Score 0
Mostly recommended19 total votes
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Highlights
Community Rating
Mostly recommended
APR (Fixed APR)
6.25% - 35.99%(Verified 04/10/2026)
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Amount Range
$5,000 - $50,000
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Loan Term (Months)
24 - 60
Number of Reviews
Achieve Personal Loans Review
Personal Loan are offered through Achieve Personal Loans, a nonbank financial services provider founded in 2002 and based in Tempe, AZ. Achieve Personal Loans are available in 39 states and Washington, DC.
Key Takeaways
- APRs starting at 6.25%** (for APR terms see terms and conditions). Personal loan interest rates typically range between 9% and 36%. The starting rates for Achieve Personal Loans are on the lower end of the spectrum.
- 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 FICO or VantageScore.
- Origination fees of up to 8.99%. This is on the high end for lenders on SuperMoney's database. Origination fees are deducted from the loan amount, so consider them when deciding how much you need to borrow.
- 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 |
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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 6.25% APR up to 35.99% 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.
| Personal Loan Amount | $5000 - $50000 |
| Loan Term | 24 - 60 months |
| APR | 6.25% - 35.99% |
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 8.99% of the personal loan amount .
Does Achieve Personal Loans charge a late fee?
Yes, Achieve Personal Loans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $8.
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.
| Origination Fee | up to 8.99% |
| Prepayment Fee | No |
| Late Payment Fee | $8 |
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. Note that borrowers can add a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
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
- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 620 - 850 |
What is the estimated funding time for a personal loan via Achieve Personal Loans?
Achieve Personal Loans will typically fund loans starting at 2 business days of approval and clearing necessary verifications.
Does Achieve Personal Loans report your account activity to credit bureaus?
Yes, Achieve Personal Loans reports to the following credit bureaus:
- 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 build your credit.
Does Achieve perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Achieve Personal Loans allows you to check your rates with a soft credit pull.
Are Achieve Personal Loans legit?
Achieve was founded in 2002, it is a well-established company that has been in business for 24 years. Achieve Personal Loans is mostly recommended by SuperMoney community users.
Achieve Personal Loans Disclosure: Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, Delaware Branch, 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 6.25% to 35.99% and include applicable origination fees that vary from 1.99% to 9.99%. 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. 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. Loan payments can be made anytime through the customer dashboard or with our servicing agents, who are available 6am-6pm M-F AZ time. Sat 7am-11am AZ tim
SuperMoney Disclosure: SuperMoney.com 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
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
Other Services by Achieve
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of 0, or 3 on a 5-point rating scale.
0
-1000+100
No one recommends
Everyone recommends
Achieve Personal Loans Community Reviews
Would you recommend Achieve Personal Loans to your friends?
SF
Subomi F.
Nov 12, 2023
May or may not recommend
I can't thank Achieve Personal Loans enough for their seamless service. The entire process, from application to approval, was a breeze. The team was not only professional but also genuinely helpful. Got the funds I needed without any hassle. Highly recommend!
Scottmarketing
Jul 17, 2023
May or may not recommend
Achieve Personal Loans offers competitive APRs starting at 7.99%, fast fund access, and large loan amounts up to $50,000. However, the origination fees of up to 5.99% cause me to doubt that I would recommend it to others. Perhaps that bank should reexamine their offerings and make them more competiive.
OB
Okeke-ojide B.
May 17, 2023
May or may not recommend
How do I get Achieve Personal Loans to give me money to finish my business with other farmers
RP
Rita P.
May 8, 2023
May or may not recommend
Achieve is a company that takes full advantage of consumers in need of a loan due to financial difficulties. This company should be investigated for “additional interest charges”. This company charged me additional interest even after I paid the full amount within my statement period. When I called to ask for assistance the customer service representative made me feel as if I was in no position to question the additional ...Show More
SO
Simeon O.
Dec 17, 2022
May or may not recommend
Was never explained that this helock loan was just like a hard cash loan. Was totally smoked screened. If I knew this loan was interest only loan for first 10 years I would have never signed on for this. Now I have to figure out how to dig out of this crap shoot of loan
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Very easy and simple, my consultant walked me through the whole process. I would definitively recommend FreedomPlus!!!!
RL
Rob L.
Jul 20, 2022
May or may not recommend
Terrible service. I'm in the process of rebuilding my credit and applied for a debt consolidation loan here. After telling me I was approved and I only needed to provide the debt I wanted paid directly (as in they pay them, the money doesn't go into my bank account/control), my rep (Erin) ghosted. Over a few days I called and emailed several times with no response. I had to call ...Show More
JS
Jeremy S.
Jan 17, 2020
May or may not recommend
It was extremely easy process to obtain a loan to pay off my credit cards, intrest rate a little high but same as credit cards
NS
Nathalie S.
Sep 27, 2019
May or may not recommend
Very easy and simple, my consultant walked me through the whole process. I would definitively recommend FreedomPlus!!!!
AD
Andrew D.
Jul 30, 2019
May or may not recommend
Yes I would recommend them to all my friends and family
DW
Doreen W.
Jul 11, 2019
May or may not recommend
I had been turned down by my bank because they wanted collateral. I was approved in one day for $26500. and all my credit cards are now consolidated. Yes it is a higher APR but my loan will be done in 4 years vs 15-20 years paying the minimum balance on my cards. I have seen negative reviews but it seems like these folks did not understand the process and ...Show More
Sandra O.
Jun 15, 2019
May or may not recommend
they are a scam, they run my credit with out my permission, never did i ever apply via oral or written, when i contacted they refused to respond, they are a scam..stay away from thsi FRAUD
IH
Israel H.
Mar 29, 2019
May or may not recommend
They were passion they help me step by step and help me to get what I need on the time that I need it thank you
Jay T.
Mar 27, 2019
May or may not recommend
They ask for your online banking information thats a scam no lender will ever ask you for your online banking information
Janie W.
Jan 8, 2019
May or may not recommend
horribe customer service.. will not put anything in writing. any company that will not put loan terms in writing is trying to bait and switch
HH
Hossain H.
Jun 29, 2018
May or may not recommend
WATCH OUT PEOPLE. IT MIGHT BE A SCAM. THEY TOOK ALL MY INFORMATION, DID A PERSONAL INTERVIEW, I EMAILED ALL MY DOCUMENTS INCLUDING VOIDED CHECK, THEN I NEVER HEARD FROM THEM ANYMORE. I CALLED AND EMAIL SEVERAL TIMES TO SEE WHY THEY ARE NOT RESPONDING TO ME, BUT NO ONE ANSWERS ME BACK. I AM REPORTING THEM TO CONSUMER FINANCIAL PROTECTION BUREAU. PLEASE BECAREFUL DEALING WITH THESE PEOPLE.
BS
Betty S.
Jun 4, 2018
May or may not recommend
Be very careful when paying your bill! They resported a 30 day late when I called it in prior. They reported it based on when they withdraw funds NOT the day you actually make the payment!!!!!
Horrible experience with them.
U
Anonymous
Mar 14, 2018
May or may not recommend
I wish I can give 0. Horrible service . Me with 720 plus credit with co applicant is also with very less debt . They approve and then decline and offering almost 20% rate . All they w at to rip you so you always in debt or can't pay , ur credit go worst or you die misery . Don't go to these people , sofi is good if ...Show More
U
Anonymous
Feb 10, 2016
May or may not recommend
They made everything very easy and was quickly done! I highly recommend FreedomPlus - they are very professional and knowledgeable in attaining a loan - there were no surprises!
Showing 19 of 19 reviews
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