Last Updated: 03/06/2026
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Achieve Personal Loans Review
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.
Achieve Personal Loans Pros & Cons
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Achieve Personal Loans FAQ
What interest rates and personal loan terms does Achieve Personal Loans offer?
What interest rates does Achieve Personal Loans offer?
How much can you borrow via Achieve Personal Loans?
What is the maximum loan term you can get with Achieve Personal Loans?
| Personal Loan Amount | $5000 - $50000 |
| Loan Term | 24 - 60 months |
| APR | 6.25% - 36% |
What fees does Achieve Personal Loans charge?
Does Achieve Personal Loans charge an origination fee?
Does Achieve Personal Loans charge a late fee?
Does Achieve Personal Loans charge prepayment fees?
| 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.- 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 |
| Credit Score | 620 - 850 |
What is the estimated funding time for a personal loan via Achieve Personal Loans?
Does Achieve Personal Loans report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
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.Are Achieve Personal Loans legit?
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 36.00% 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 6.25% 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.
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