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 02/05/2026.
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 6.25% - 35.99%. 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 640, 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:6.25% - 35.99%
Loan sizes:$5,000 - $50,000
Loan timelines:24 - 60 months
Origination fee:1.99% - 9.99%
Achieve Personal Loans requirements:640 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: As soon as the same day you apply
Funding timeline:As soon as the next day after approval
Late fee:$8
Reputation: Achieve Personal Loans has an A+ rating from the Better Business Bureau and an average user rating of 4.6/5 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
4.3/5
Reviews & Transparency
4.7/5
Overall Score
12.8/15
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
Sheryene Taylor Tejeda @sheryenet
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1 Star Rating
Following a hard pull, I received conditional approval for $40,000. While I understand what "conditional" means, there was no expectation of a denial following the timely submission of all requested documents. With a credit score in the mid-700s, a seven-figure salary, and no debt aside from deferred student loans, it's not rational that they would decline the loan. I was only accepting half of what they offered. As the owner of a pharmaceutical company, it seems they would be more than open to doing business.
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Kevin Linn @kevinlinn2013
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4 Star Rating
I am really saddened that Achieve Personal Loans doesn't work with Debt Management Companies to assist new customers when life steers them down a different path after they've committed to finalizing a loan. I immediately contacted Achieve as soon as I found out, but it didn't do any good, and that was about 13 months ago. I'm still trying to get caught up. However, I am glad that, for now, they are patient and not sending me to an outside collection agency, as I have been calling them regularly. I really wish they would work with their customers, both new and old. If they had worked with me from the beginning, I might have been behind for a little while but would have eventually caught up without any significant issues. They tried to help me, but it was insufficient. I needed smaller payments for a while back then, and I would have bounced back if they had worked with me. But they didn't, and here I am today, unable to get caught up.
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Product: Achieve Personal Loans Personal Loans
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Mari V @mar_128
HI, do you mean they wouldn't work with a debt settlement company?
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Achieve Personal Loans
Jasmine Russell @Rambo1271
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3 Star Rating
Got me the money fast but these are definitely predatory loans, estremely high interest 27% and I was 1 week late for a payment and paid 500 dollars in interest that month. Will be doubling my payments to get rid of them faster. definitely will not recommend to anyone.
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Product: Achieve Personal Loans Personal Loans
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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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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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Product: Achieve Personal Loans Personal Loans
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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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Achieve Personal Loans
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!
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John @j_brewer99
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5 Star Rating
Great company to work with. Fast and easy process from start to finish. Thanks Freedom Plus for giving me a chance to get back on my feet and pay some of my debit down.
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Product: Achieve Personal Loans Personal Loans
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+ 1 WalletHub user submitted a rating without writing a full review + 858 ratings from across the web
Review Achieve Personal Loans
Achieve Personal Loans Offers
Personal Loans
Achieve Personal Loans Q&A(44 questions)
Get answers to your questions about Achieve Personal Loans below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure
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 6.25% - 35.99%, depending on an applicant's creditworthiness, and gives borrowers 24 - 60 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.
It takes 2 to 3 business days to get money from a Achieve personal loan, 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.
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...
Achieve Personal Loans offers personal loans that can be used to cover medical expenses. Achieve Personal Loans offer $5,000 - $50,000 in funding with an APR range of 6.25% - 35.99%, repayment periods of 24 - 60 months and an origination fee of 1.99% - 9.99%.
Achieve Personal Loans Info
Loan Amounts:$5,000 - $50,000
Repayment Periods:24 - 60 months
APR Range:6.25% - 35.99%
Origination Fee:1.99% - 9.99%
Credit Score Requirement: 620+
Before you officially apply for a loan, it's a good idea...
Achieve Personal Loans offers personal loans that can be used to finance dental work. Achieve Personal Loans offer loan amounts of $5,000 - $50,000, repayment periods of 24 - 60 months, an APR range of 6.25% - 35.99% and an origination fee of 1.99% - 9.99%.
However, if you're looking specifically for a lender that offers dental loans, you should look into SoFi, LightStream and Peerform. To see the top-ranked offers, visit the dental loans page on WalletHub. You can also use WalletHub's free pre-qualification tool to...
A loan from Achieve Personal Loans will temporarily hurt your credit score because the company will perform a hard pull of your credit history when you officially apply, which will drop your score by about 5 to 10 points. The new loan will also add to your overall debt load, which hurts your credit score.
However, you can avoid risking credit score damage for no reason by pre-qualifying first. Achieve Personal Loans only uses a soft pull of your credit, which...
You need a minimum credit score of 640 to get a personal loan from Achieve, according to the company. That means a personal loan from Achieve accepts bad credit. Generally, a higher credit score will give you better approval odds for an Achieve loan and will also likely get you better loan terms.
FreedomPlus is a legit company, and it has a secure website that will keep your data safe. FreedomPlus has been in business since 2013 and has an A+ rating with the Better Business Bureau. In addition, FreedomPlus is not only legitimate, but it also is one of the best personal loan providers for people with subpar credit, as it has reasonable rates and its credit score requirement is 585.
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