Compare Personal Loan Rates from WalletHub Partners
Excellent Credit
Excellent Credit
Good Credit
Fair Credit
Bad Credit
No Credit/Limited History
$500
$500
$1,000
$3,000
$5,000
$10,000
$25,000
Achieve Personal Loans Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/11/2023.
Achieve Personal Loans is best for people who want large loans, as their loan sizes range from $5,000 - $50,000. In addition, people with high credit scores will have the potential for low rates, as the APR range is 7.99% - 29.99%. The best part is that even though there is an origination fee, it’s already included in the APR range, rather than being a separate charge.
Achieve Personal Loans are easier to qualify for than most lenders’ loans, as the minimum credit score is just 620, according to representatives from the company. In addition, Achieve Personal Loans has a good overall reputation and a high level of transparency.
Achieve Personal Loans Review Highlights:
Interest rates:7.99% - 29.99%
Loan sizes:$5,000 - $50,000
Loan timelines:24 - 72 months
Origination fee:0% - 6.99%
Achieve Personal Loans requirements: 620 credit score, 18+ years old, SSN, U.S. citizen or permanent resident
Pre-qualification: You can check for pre-qualification on the lender’s website.
Co-applicant policy: Allowed
Approval timeline: 24 hours
Funding timeline: 72 hours
Late fee:$15 or 5% of amount due
Reputation: Achieve Personal Loans has an A+ rating from the Better Business Bureau and an average user rating of 4.4/5 on WalletHub.
Overall, Achieve Personal Loans are easier to get than the average personal loan and provide attractive rates for people who have high credit scores. Below, you can see how WalletHub rates Achieve Personal Loans in our three key categories: Terms, Requirements & Application, and Reviews & Transparency.
Achieve Personal Loans Ratings by Category:
Category
Editor’s Rating
Terms
3.8/5
Requirements & Application
4.0/5
Reviews & Transparency
4.0/5
Overall Score
11.8/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: Achieve Personal Loans Personal Loans
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Achieve Personal Loans
shanicehns @shanicehns
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1 Star Rating
BEWARE!!! I had the worst experience with this funding company. I specifically asked if the pre-qualification check would be a soft credit check and the loan consultant named Corwin told me yes. Later, I got an alert of hard inquiry. I was told by the manager named Micheal who I though would resolve this issue professionally but instead this crooked man told that he heard me consenting a hard pull. Not only lying, but he was rude and defensive. People like these always steal from their company because once a you’re a bold liar, you’re a thief as well. Superiors better keep an eye on him.
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Product: Achieve Personal Loans Personal Loans
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morganba4 @morganba4
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5 Star Rating
Brandon Childress was amazing to deal with. He was quick and kind. He offered me everything he could and did his best to get me the lowest rate’s possible. I would highly recommend him for anyone needing financial help with a personal loan.
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Jervinhang @Jervinhang
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1 Star Rating
Absolutely ridiculous process to close account. After it was paid in full, I still had to 1st freeze the account. After that then they could close the account. This is all after going through the payoff request and submitting that, as instructed. In no way should an account like this be open still with any liens after its fully paid off. Customer service was also terrible through the entire process giving different advice.
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vegasmiss @vegasmiss
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1 Star Rating
Bait and Switch - After going through the entire application process and receiving multiple emails stating approved for the loan and asking me to sign loan documents, I received a call saying that it was not approved unless I had a co-signer - and this was based on reviewing my tax returns. Don't waste your time, don't take the hard pull credit ding on your report, it's not worth the time, energy or effort. I also question how much bias is involved since I am a higher earner than my spouse, yet they wanted him on the application.
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robaharrison88 @robaharrison88
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2 Star Rating
They are great at getting you a loan for sure (26.6% interest). They are terrible at servicing that loan. Tried to get 10 day pay out and wire transfer information and no help at all. First guy put me on hold for 15 minutes and hung up. I mentioned what happened to the next lady I reached and she hung up on me mid sentence while laughing. Adrian was the 3rd person to help me and she did just great with sending the email and getting me the info.
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joecompute2 @joecompute2
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1 Star Rating
Said I had applied for a loan, but I had not. My credit report is frozen so they had to contact me. This was the first time I had heard of them.
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cwchilds @cwchilds
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1 Star Rating
Horrible company they promise to deposit the money then come up with different excuses why money not in account. I will be contacting the Attorney General and Governor of Consumer Affairs for California and Arizona. Do not use them. They are scammers and liars.
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tools @tools
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1 Star Rating
Terrible service. I'm rebuilding my credit and wanted to consolidate debt so I applied for a loan through Freedom Plus. I was told to apply with a co-signer, did that, provided all documentation, was told I was approved, just had to provide direct pay information for debt (as in they pay my debt directly, I don't get the money in my bank account). Then my rep (Erin) ghosted. I called and emailed several times and got no response. I had to call the generic customer service number to find out I was declined. It takes a few seconds to respond to an email. No excuse whatsoever for bad service.
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Product: Achieve Personal Loans Personal Loans
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joannek_12 @joannek_12
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5 Star Rating
They have actually helped me get out of debt. Was in the hospital a lot and I was making all payments but to pay 1 bill rather than paying more than 1 bill. Love it!
Achieve Personal Loans requirements include being at least 18 years old, having enough income or assets to make the monthly payments and having a Social Security number. You will also need to have a verifiable bank account to qualify for Achieve Personal Loans.
Achieve Personal Loans Requirements for Borrowers
Credit Score: 620+
Income: Not disclosed
Age: 18+
Citizenship: U.S. citizen or permanent resident
Identification: Social Security number
Bank Account: Verifiable bank account
Residency:Not available in all states
Before you apply for any personal loan, it's a good idea to pre-qualify. While meeting all of the requirements gives you a good chance of approval, it's never guaranteed. To pre-qualify with multiple lenders at once, check out WalletHub's free pre-qualification tool.
Achieve Personal Loans uses Achieve Personal Loans to fund personal loans. The company offers loans of $5,000 - $50,000 with APRs of 7.99% - 29.99%, depending on an applicant's creditworthiness, and gives borrowers 24 - 72 months to repay their loans. You will need a credit score of 620+ to qualify.
Yes, Achieve Personal Loans are legit because Achieve Personal Loans is registered to do business in the states it services, which is a legal requirement to be a legitimate lender. Another reason why Achieve Personal Loans are legit is that the lender has a rating of A+ from the Better Business Bureau.
Why Achieve Personal Loans Are Legit
Achieve Personal Loans is registered as a business in the states it services.
Achieve Personal Loans has a Better Business Bureau rating of A+.
Achieve Personal Loans has been around since 1855.
Achieve Personal Loans has an average user rating of 4.5/5 on WalletHub.
Achieve Personal Loans have a rating of 3.9/5 from WalletHub's editors.
Achieve Personal Loans has a secure website, which you can tell by the fact that the URL has "https" in front of it.
While Achieve Personal Loans are legit, they may or not be the best choice for you. It's important to compare the terms and requirements of Achieve Personal Loans against your other options before submitting an application.
It takes 2 to 3 business days to get money from Achieve Personal Loans, in most cases. That includes both the time it takes to get approved and the time it takes for the funds to be delivered after approval. Keep in mind that this is a typical applicant's experience, and in some cases it could take longer.
How to Get Money From Achieve Personal Loans as Fast as Possible
Fill out the application carefully. You should make sure that all information you enter on the application is correct and complete. That will eliminate any potential delays from Achieve Personal Loans having to request additional information.
Check your credit report for errors. Before you apply, you should verify that everything on your credit report is accurate, as any incorrect negatives on there could impact your chances of approval. If you find any errors, you should dispute them right away to get them removed.
Get your credit score above the minimum. Ideally, you should only apply for Achieve Personal Loans personal loan once your credit score exceeds the minimum requirement of 620. That will make it easier for Achieve Personal Loans to decide whether you qualify, which could lead to a quicker decision.
Apply online. Online applications have the fastest processing times since they are automated and streamlined.
Once you get approved for an Achieve Personal Loans, the money will be delivered through an electronic funds transfer to your bank account, which usually takes 1 to 2 business days.
You will know if Achieve Personal Loans approved you for a personal loan because you will receive an application decision via email. Achieve Personal Loans may approve you as soon as the same day you apply, or within 1 day, and you can check your loan status online in the meantime.
If you get approved, you should receive the funds 1 - 3 business days. Just keep in mind that approval for an Achieve Personal Loans is never guaranteed.
