{"id":188120,"date":"2024-08-07T14:07:09","date_gmt":"2024-08-07T18:07:09","guid":{"rendered":"https:\/\/lendedu.com\/?p=188120"},"modified":"2026-02-27T00:32:23","modified_gmt":"2026-02-27T05:32:23","slug":"achieve-personal-loans-review","status":"publish","type":"post","link":"https:\/\/lendedu.com\/blog\/achieve-personal-loans-review\/","title":{"rendered":"Achieve Personal Loans Review: A Solid Pick for Creditworthy Borrowers"},"content":{"rendered":"\n<section class=\"wp-block-group wp-block-pattern__company-review is-layout-flow wp-block-group-is-layout-flow\" data-go2-lemeta=\"core-group\">\n<div\n\tclass=\"wp-block-lendedu-company-card\"\tdata-filter-state=\"1705,1706,1707,1708,1709,1712,1713,1714,1715,1717,1718,1719,1720,1722,1723,1725,1726,1727,1728,1729,1730,1731,1732,1733,1734,1735,1736,1737,1738,1740,1741,1742,1743,1744,1745,1746,1747,1748,1749,1751,1752\"\n\tdata-filter-credit-score=\"620\"\n\tdata-filter-amount=\"5000|50000\"\n\tdata-filter-annual-income=\"\"\n\tdata-company-id=\"175399\"\n data-go2-lemeta=\"lendedu-company-card\">\n\t<div class=\"wp-block-lendedu-company-card__inner\">\n\t\t<div class=\"wp-block-lendedu-company-card__logo-container\">\n\t\t\t\t\t\t\t<div class=\"wp-block-lendedu-company-card__logo\">\n\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"111\" src=\"https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg\" class=\"attachment-full size-full\" alt=\"Achieve logo\" loading=\"lazy\" srcset=\"https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg 450w, https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg?resize=406,100 406w, https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg?resize=300,74 300w, https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg?resize=320,79 320w, https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg?resize=72,18 72w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t<div class=\"wp-block-lendedu-company-card__meta\">\n\t\t\t\n\t\t\t\n<div class=\"lendedu-ctas \">\n\t\t\t\n<div class=\"lendedu-rating lendedu-rating--over-star\">\n\t<div class=\"lendedu-rating__text\">\n\t\t<div class=\"lendedu-component-stars\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><\/div>\t\t<span>4.4 <sub>\/5<\/sub><\/span>\n\t<\/div>\n\n\t<\/div>\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/achieve-personal-loan-o-sm\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-lendedu-window-shade\" data-go2-lemeta=\"lendedu-window-shade\"><details open><summary><span class=\"wp-block-lendedu-window-shade__summary\">Personal Loan<\/span><\/summary>\n<ul class=\"wp-block-list is-style-pros\">\n<li>Best for good or excellent credit<\/li>\n\n\n\n<li>Pre-approval application soft credit pull to apply won\u2019t affect your credit score<\/li>\n\n\n\n<li>Loan amounts range from $5,000 to $50,000<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list is-style-cons\">\n<li>Origination fees of 1.99% to 6.99% added to monthly loan payments<\/li>\n\n\n\n<li>Not available in every state<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-key-stats\"><table><tbody><tr><td><strong>Rates (APR)<\/strong><\/td><td><span updateval=\"achieve-perl-1826-fixlow\" class=\"productupdate\">8.99%<\/span> \u2014 <span updateval=\"achieve-perl-1826-fixhigh\" class=\"productupdate\">35.99%<\/span><\/td><\/tr><tr><td><strong>Loan amounts<\/strong><\/td><td>$5,000 \u2014 $50,000<\/td><\/tr><tr><td><strong>Repayment terms<\/strong><\/td><td>24 \u2014 60 months<\/td><\/tr><tr><td><strong>Min. credit score<\/strong><\/td><td>620<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/details><\/div>\n<\/section>\n\n\n\n<p><strong>Achieve personal loans are a strong option for borrowers with good to excellent credit who want to consolidate debt or cover a large expense\u2014and want the process to be as quick and straightforward as possible.<\/strong> The company offers a fast online pre-approval process, fixed-rate terms, and loan amounts tailored to your creditworthiness. It&#8217;s best suited for those who prioritize customer service and a streamlined digital experience.<\/p>\n\n\n\n<p>Achieve earns high marks from customers, with a 4.9 out of 5 rating on Trustpilot and an A+ from the Better Business Bureau. Borrowers frequently praise the company\u2019s helpful loan consultants and smooth application process. Just be aware: a few reviewers said the time to receive funds was longer than initially expected, so it may not be the best fit if you need money urgently.<\/p>\n\n\n\n<div class=\"wp-block-lendedu-table-of-contents__container\"><button class=\"wp-block-lendedu-table-of-contents__menu-button\" aria-label=\"Toggle Table of Contents\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\"><path fill=\"#002678\" d=\"M19.25 4.625a1.125 1.125 0 0 1 0 2.25h-8.996a1.125 1.125 0 1 1 0-2.25zM19.25 17.125a1.125 1.125 0 0 1 0 2.25h-8.996a1.125 1.125 0 0 1 0-2.25zM19.25 10.875a1.125 1.125 0 0 1 0 2.25h-8.996a1.125 1.125 0 0 1 0-2.25zM6.754 4.625a1.125 1.125 0 0 1 0 2.25H4.75a1.125 1.125 0 0 1 0-2.25zM6.754 17.125a1.125 1.125 0 0 1 0 2.25H4.75a1.125 1.125 0 0 1 0-2.25zM6.754 10.875a1.125 1.125 0 0 1 0 2.25H4.75a1.125 1.125 0 0 1 0-2.25z\"><\/path><\/svg><\/button><details class=\"wp-block-lendedu-table-of-contents is-style-left-rail\"><summary><span class=\"wp-block-lendedu-table-of-contents__summary-text\">Table of Contents<\/span><\/summary><div>\n<ol class=\"wp-block-lendedu-table-of-contents-list\">\n<li class=\"wp-block-lendedu-table-of-contents-item\"><a href=\"#about\">About Achieve&nbsp;<\/a><\/li>\n\n\n\n<li class=\"wp-block-lendedu-table-of-contents-item\"><a href=\"#h-how-does-an-achieve-personal-loan-work-nbsp\">How does an Achieve personal loan work?&nbsp;<\/a><\/li>\n\n\n\n<li class=\"wp-block-lendedu-table-of-contents-item\"><a href=\"#pros\">Pros and cons of Achieve&nbsp;personal loans<\/a><\/li>\n\n\n\n<li class=\"wp-block-lendedu-table-of-contents-item\"><a href=\"#h-alternatives-to-achieve-personal-loans\">Alternatives to Achieve personal loans<\/a><\/li>\n\n\n\n<li class=\"wp-block-lendedu-table-of-contents-item\"><a href=\"#rated\">How we rated Achieve<\/a><\/li>\n<\/ol>\n<\/div><\/details><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"about\">About Achieve&nbsp;<\/h2>\n\n\n\n<p>Achieve was founded in 2002 as Freedom Financial Network by Andrew Housser and Brad Stroh in San Mateo, California. Achieve\u2019s mission is to help people move toward a better financial future. Achieve offers personal loans to applicants with good or excellent credit to help pay off debt, recover from financial setbacks, make home improvements and more. Achieve also offers home equity loans and debt resolution acceleration loans.<\/p>\n\n\n\n<p>Since 2002, Freedom Financial Network and Achieve have processed more than $7.5 billion in loans for more than 450,000 applicants. The company has an A+ Better Business Bureau rating.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-an-achieve-personal-loan-work-nbsp\">How does an Achieve personal loan work?&nbsp;<\/h2>\n\n\n\n<p>Applying online for an Achieve personal loan is easy and takes only a few minutes. Applying for pre-approval with Achieve is a \u201csoft pull\u201d that won\u2019t affect your credit. Applicants typically receive a pre-approval loan offer on the same day.&nbsp;<\/p>\n\n\n\n<p>Applicants can communicate via email with a loan consultant who will help customize the loan amount and terms and answer questions. In some cases, same-day approval is possible. The full application process requires a \u201chard pull\u201d on your credit, which may slightly and temporarily affect your credit.<\/p>\n\n\n\n<p>Borrowers can make automatic payments via ACH or use an online portal to make payments and manage their accounts. Achieve also offers a free Money Left Over app to link bank accounts, credit cards, and loans and track spending habits to check whether they\u2019re on track to come ahead or behind on monthly expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rates-and-terms\">Rates and terms<\/h3>\n\n\n\n<figure class=\"wp-block-table new-lendedu-table is-style-stripes\"><table><tbody><tr><td><strong>Term<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Minimum credit score<\/td><td>620<\/td><\/tr><tr><td>Minimum income<\/td><td>40% of annual income determines loan amount<\/td><\/tr><tr><td>Rate discounts<\/td><td>Co-borrower discount; Direct-pay discount if Achieve uses your loan funds to pay a portion of debt owed to your creditors; Discount if you have an approved retirement account<\/td><\/tr><tr><td>Loan amounts<\/td><td>$5,000 \u2014 $50,000<\/td><\/tr><tr><td>Repayment period<\/td><td>24 \u2014 60 months<\/td><\/tr><tr><td>Unsecured or secured<\/td><td>Unsecured (secured if home equity loan)<\/td><\/tr><tr><td>Joint loans<\/td><td>Yes<\/td><\/tr><tr><td>Time to funding after approval<\/td><td>Within 20 business days<\/td><\/tr><tr><td>Fees<\/td><td>Origination fee ranging from 1.99% \u2014 6.99%&nbsp;<\/td><\/tr><tr><td>Unique features<\/td><td>Quick application for loan amount and terms&nbsp;<br><br>Applicants set monthly payment date and length of repayment&nbsp;<br><br>Same-day approval<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how\">Uses&nbsp;<\/h3>\n\n\n\n<p>Achieve loans can be used for a variety of purposes. When you apply, you must state what you\u2019ll use the loan proceeds for, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/lendedu.com\/blog\/personal-loans-to-pay-off-credit-cards\/\" target=\"_blank\" rel=\"noopener\">Consolidating debt<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/lendedu.com\/blog\/best-home-improvement-loans\/\" target=\"_blank\" rel=\"noopener\">Making home improvements<\/a><\/li>\n\n\n\n<li>Purchasing major items<\/li>\n\n\n\n<li>Refinancing credit cards<\/li>\n\n\n\n<li><a href=\"https:\/\/lendedu.com\/blog\/vacation-financing\/\" target=\"_blank\" rel=\"noopener\">Going on vacations<\/a><\/li>\n\n\n\n<li>Paying medical bills<\/li>\n\n\n\n<li>Paying moving costs&nbsp;<\/li>\n\n\n\n<li>Funding a wedding<\/li>\n\n\n\n<li>And more<\/li>\n<\/ul>\n\n\n\n<p>Borrowers must state on their application how they plan to use the loan and then use the proceeds for only that purpose. Achieve uses this information to determine the fixed rate APR. If you plan to use the loan proceeds to consolidate debt, Achieve typically offers a lower APR if you allow the company to pay your creditors directly with loan proceeds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"whos\">Eligibility requirements&nbsp;<\/h3>\n\n\n\n<p>You need a credit score of at least 620 to be eligible for an Achieve personal loan. Achieve also takes into account your income, debt and financial needs to determine your loan amount, fixed rate and monthly payment.<\/p>\n\n\n\n<p>Achieve also allows joint loans with a qualified co-borrower with enough income to repay the loan. In fact, adding a co-borrower on the loan may help you qualify for a co-borrower discount and a lower APR. Achieve considers the co-borrowers&#8217; combined income and sets the rate using the better credit profile.<\/p>\n\n\n\n<figure class=\"wp-block-table new-lendedu-table is-style-stripes\"><table><tbody><tr><td><strong>Requirement<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Citizenship<\/td><td>Must be a U.S. citizen or legal permanent resident<\/td><\/tr><tr><td>Employment status<\/td><td>Not disclosed, but applicants must have sufficient income<\/td><\/tr><tr><td>State of residence<\/td><td>Not available to residents of Colorado, Connecticut, Hawaii, Kansas, Maine, North Dakota, Vermont, West Virginia, Wisconsin, and Wyoming<\/td><\/tr><tr><td>Minimum age<\/td><td>18<\/td><\/tr><tr><td>Minimum credit score<\/td><td>620<\/td><\/tr><tr><td>Minimum income<\/td><td>Annual income x .40%. For example, if your income is $12,500, the eligible loan amount would be $5,000.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"costs\">Costs and fees<\/h3>\n\n\n\n<p>Achieve loan fixed rates range from <span updateval=\"achieve-perl-1826-fixlow\" class=\"productupdate\">8.99%<\/span> to <span updateval=\"achieve-perl-1826-fixhigh\" class=\"productupdate\">35.99%<\/span> based on your credit, debt, income, and loan repayment period. To receive the <span updateval=\"achieve-perl-1826-fixlow\" class=\"productupdate\">8.99%<\/span> APR on a loan, you must have excellent credit, a loan amount of less than $12,000, and loan terms with a 24-month repayment period.<\/p>\n\n\n\n<p>Achieve sets your fixed APR by reviewing your credit score, loan amount, loan repayment period, credit usage, credit history, and any eligibility restrictions.<\/p>\n\n\n\n<p>Achieve charges loan origination fees ranging from 1.99% to 6.99%, deducted from the loan proceeds. For example, a 1.99% origination fee on a $10,000 loan would be approximately $200. If the origination fee on the same amount were 6.99%, the fee would be about $700. So, it\u2019s important to factor in this extra fee when deciding on a loan amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"repay\">Repayment<\/h3>\n\n\n\n<p>Repayment periods for Achieve loans are 2,3,4 or 5 years. Generally, the longer the repayment period, the more you\u2019ll pay in total interest on the loan.&nbsp;<\/p>\n\n\n\n<p>After you apply, a loan consultant will help you customize the best repayment period for your financial situation. Achieve lets you set your monthly payment date. This allows you to budget payment on a date that fits your payday and other monthly expenses.<\/p>\n\n\n\n<p>If you pay your loan off early, there are no early payoff or prepayment penalties.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pros\">Pros and cons of Achieve&nbsp;personal loans<\/h2>\n\n\n<section class=\"pros-and-cons\">\n\n\t<div class=\"pros\">\n\t\t<div class=\"pros-title\">\n\t\t\t<p class=\"heading-5\">Pros<\/p>\n\t\t<\/div>\n\n\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tEasy, fast application process\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tLow, fixed rates\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tSoft-pull pre-approval application won\u2019t affect credit\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tApplicants set their payment date\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tFlexible repayment options\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tCo-borrower, creditor direct pay, and other discounts\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t4.9 Trustpilot rating and A+ Better Business Bureau rating\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<\/ul>\n\n\t<\/div>\n\n\t<p class=\"pro-description pro-caption\"><\/p>\n\n\t<div class=\"cons\">\n\t\t<div class=\"cons-title\">\n\t\t\t<p class=\"heading-5\">Cons<\/p>\n\t\t<\/div>\n\n\t\t<ul>\n\t\t\t\t\t\t\t\t<li>\n\t\t\t\t<p class=\"con\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tOrigination fees ranging from 1.99% to 6.99% are added to monthly loan payments\t\t\t\t\t<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"con-description\">\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t<p class=\"con\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tNot available to residents of every state\t\t\t\t\t<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"con-description\">\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t<p class=\"con\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tSome negative customer reviews cite funding took longer than promised.\t\t\t\t\t<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"con-description\">\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t<p class=\"con\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tHighest APRs could cost borrowers more than if they paid off credit cards that have a lower APR\t\t\t\t\t<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"con-description\">\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\n\t<\/div>\n\t<p class=\"con-description con-caption\"><\/p>\n\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alternatives-to-achieve-personal-loans\">Alternatives to Achieve personal loans<\/h2>\n\n\n\n<p>The advantages to Achieve personal loans include a low, fixed APR of 8.99% to qualified applicants borrowing less than $12,000 and repaying the loan in two years. However, the fixed rate can be as high as 35.99%.&nbsp;<\/p>\n\n\n\n<p>On the downside, Achieve charges an origination fee of 1.99% to 6.99%, which is deducted from loan proceeds. Also, if you live in a state where Achieve doesn\u2019t offer loans, you won\u2019t be eligible for an Achieve loan. If you qualify for the lowest or a lower APR, an Achieve loan may be a good option for consolidating debt, making home improvements, and more.&nbsp;<\/p>\n\n\n\n<p>However, if you\u2019re eligible only for the highest or one of the higher fixed rates, you may want to explore less costly rates with other <a href=\"https:\/\/lendedu.com\/blog\/list-of-personal-loan-companies\/\">personal loan providers<\/a>.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You may find a lower APR at <strong><a href=\"https:\/\/lendedu.com\/blog\/sofi-personal-loans-review\/\" target=\"_blank\" rel=\"noopener\">SoFi<\/a>,<\/strong> which our editorial team found best for borrowers with good credit.\u00a0<\/li>\n\n\n\n<li>Another option is to apply for a loan with <strong><a href=\"https:\/\/lendedu.com\/blog\/upgrade-personal-loans-review\/\">Upgrade<\/a>,<\/strong> which our editorial team found best for borrowers with fair credit.<\/li>\n<\/ul>\n\n\n\n<p>Overall, Achieve could improve the user experience by providing more detailed information on its website about loan restrictions and payment options. This would allow borrowers to make a more informed decision about applying for an Achieve personal loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rated\">How we rated Achieve<\/h2>\n\n\n\n<p>LendEDU\u2019s editorial rating system is designed to help readers find companies that offer the best personal loans. Our system awards higher ratings to companies with affordable solutions, positive customer reviews, and online transparency of benefits and terms.<br>Achieve was compared to several personal loan lenders, using hundreds of data points from company websites, public disclosures, customer reviews, and direct communication with company representatives. We weighted, scored, and combined each factor to produce a final editorial rating. This rating is expressed on a scale from 1 to 5, with 5 being the highest possible score. Our take is represented in our rating and best-for designation, recapped below.<\/p>\n\n\n\n<div class=\"wp-block-lendedu-product-terms\" data-go2-lemeta=\"lendedu-product-terms\">\n\t<div class=\"wp-block-lendedu-product-terms__inner\">\n\t\t\n\n<div\n\tclass=\"wp-block-lendedu-product-terms-item\"\tdata-filter-state=\"1705,1706,1707,1708,1709,1712,1713,1714,1715,1717,1718,1719,1720,1722,1723,1725,1726,1727,1728,1729,1730,1731,1732,1733,1734,1735,1736,1737,1738,1740,1741,1742,1743,1744,1745,1746,1747,1748,1749,1751,1752\"\n\tdata-filter-credit-score=\"620\"\n\tdata-filter-amount=\"5000|50000\"\n\tdata-filter-annual-income=\"\"\n\tdata-company-id=\"175399\"\n>\n\t\t\t<span class=\"wp-block-lendedu-product-terms-item__highlight\">\n\t\t\tPersonal Loan\t\t<\/span>\n\t\n\t<div class=\"wp-block-lendedu-product-terms-item__logo\">\n\t\t<div class=\"wp-block-lendedu-product-terms-item__logo-inner\">\n\t\t\t<div class=\"wp-block-lendedu-product-terms-item__logo-image\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"111\" src=\"https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg\" class=\"attachment-full size-full\" alt=\"Achieve logo\" loading=\"lazy\" srcset=\"https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg 450w, https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg?resize=406,100 406w, https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg?resize=300,74 300w, https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg?resize=320,79 320w, https:\/\/lendedu.com\/wp-content\/uploads\/2020\/10\/Achieve-logo.jpeg?resize=72,18 72w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/>\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\n<div class=\"lendedu-ctas \">\n\t\t\t\n<div class=\"lendedu-rating lendedu-rating--stars\">\n\t<div class=\"lendedu-rating__text\">\n\t\t<span>4.4<\/span>\n\t\t<div 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12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><defs>\n\t\t\t<linearGradient id=\"lendedu-component-star--fill-7405f3c8\" x1=\"0%\" y1=\"0%\" x2=\"100%\" y2=\"0%\">\n\t\t\t\t<stop offset=\"40%\" stop-color=\"#F2C94C\" \/>\n\t\t\t\t<stop offset=\"40%\" stop-color=\"var(--lendedu-color-star--stop, #FAF08960)\" \/>\n\t\t\t\t<stop offset=\"100%\" stop-color=\"var(--lendedu-color-star--stop, #FAF08960)\" \/>\n\t\t\t<\/linearGradient>\n\t\t<\/defs><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"url(#lendedu-component-star--fill-7405f3c8)\" \/><\/svg><\/div>\t<\/div>\n\n\t<\/div>\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/achieve-personal-loan-o-sm\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\t\t<\/div>\n\n\t\t\n<div class=\"lendedu-ctas lendedu-ctas--mobile\">\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/achieve-personal-loan-o-sm\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 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class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__fixedRates\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tLoan Amounts\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t$5,000 \u2014 $50,000\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__terms\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tTerms\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t24 \u2014 60 months\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__score\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tMin. 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debt or cover a large expense\u2014and want the process to be as quick and straightforward as possible. The company offers a fast online pre-approval process, fixed-rate terms, and loan amounts tailored to your creditworthiness. It&#8217;s best suited [&hellip;]<\/p>\n","protected":false},"author":129,"featured_media":188122,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"pmpro_default_level":"","_project_five_cents_phone_tracking":false,"_reviewed_by_expert":0,"expert_id":"","expert_ck":"","_methodology":{"enabled":false,"content":"","top_pick":"","jump_link":""},"_standard":{"id":0},"_edited_by":104,"_yoast_wpseo_primary_category":783,"_last_updated_date":"","_post_title_color":"","_post_title_font_size":0,"_post_title_word_colors":[],"_display_post_contributors":true,"_lendedu_schema_review":{"schemaData":"{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Review\",\"headline\":\"Achieve Personal Loans Review\",\"datePublished\":\"2024-08-07\",\"dateModified\":\"2025-10-29\",\"url\":\"https:\/\/lendedu.com\/blog\/achieve-personal-loans-review\/\",\"description\":\"Achieve personal loans are a great choice for borrowers with good to excellent credit who need fast, hassle-free financing to consolidate debt or fund major expenses. 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