Achieve Personal Loans offer low, fixed-rate loans members can use to consolidate their unsecured debt or fund a major expense. Members pick from 2, 3, 4, or 5 year terms, and loan amounts range between $5,000 to $50,000*. Throughout the entire process, from application to funding, the applicant can choose to work with the same dedicated Achieve Loan Consultant to create their customized loan solution. Applicants can depend on this sole contact to answer any questions, review their current financial status, and help map out the future they seek. Applicants can also choose to complete the application online through the Achieve Member Dashboard. Achieve Personal Loans has helped over 400,000 members get over $5B in loans since 2008.
Services and Fees
● Services - Personal loans for your unique financial needs (home improvement, major expenses, vacation, debt consolidation, etc.)
● Prepayment fee - No prepayment fee
● Origination fee - From 1.99% to 5.99%** of the borrowed amount
● Loan terms - 24 to 60 months**
● Minimum required credit score - 620
● Loan amounts - Starting at $5,000 and up to $50,000**
● APRs - From 7.99% to 35.99%**
How to Apply
Applying for a personal loan is fast, free, and easy. With their online application, you can simply input your desired loan amount, state of residence, and contact information. If pre-approved, you can choose to work through the remaining application process by email and through their dashboard, or request to be contacted by an Achieve Loan Consultant
The process is simple, secure, and streamlined.
- Complete the Application: You can do this digitally, or over the phone with the help of an Achieve Loan Consultant
- Optional Consultation: You have the option of working with an Achieve Loan Consultant to get help determining whether a personal loan is the right solution. They’ll help customize your loan through term length options (2, 3, 4, or 5 years), flexible payment dates, meaningful rate discounts, and more.
- Get Your Funds: You could get a same-day loan decision and get your funds sent within 24-72 hours of approval.*
Requirements
To qualify, you’ll need:
● A minimum 620 credit score
● At least 2 years of established credit history
● Residency in a state where Achieve Personal Loans does business
● A moderate debt-to-income (DTI) and loan-to-income (LTI) ratio
Privacy and Security
Achieve Personal Loans has worked with over 400,000 members and helped fund over $5B of loans since 2008. Achieve Personal Loans (formerly “FreedomPlus”) is a safe and secure online lender with positive online reviews. The Better Business Bureau (BBB) has given us an A+ rating, and our members have given us 5 out of 5 stars on Trustpilot.
Highlights
Achieve Personal Loans offers low fixed-rate loans that you can use to consolidate your unsecured debt or fund a major expense and can pick from 2, 3, 4, or 5-year terms.
Unlike other lenders, Achieve Personal Loans offers unique and meaningful discounted interest rates to borrowers who qualify.***
These discounts include:
● Co-borrower discount: Add an eligible co-borrower to your loan application.
● Retirement asset discount: Show proof of sufficient retirement funds in a 401(k) or IRA.
● Direct pay discount: Allow Achieve Personal Loans to use your loan funds to directly pay your creditors when consolidating debt.
Services
Achieve Personal Loans offers unsecured loans that can be used for many purposes like home and medical expenses, travel or wedding expenses, debt consolidation, and more.
Help and Support
The best way to reach their Member Services team is to call one of the phone numbers displayed on the official website. The staff is available Monday through Friday from 6am to 6pm Arizona time. You can also send them snail mail at the address mentioned below.
Summary
To wrap it all up, Achieve Personal Loans makes sense if you are in need of a customizable personal loan with fast funding and options. You can use your borrowed amount for all kinds of purposes. However, their loans are not available in all states and include an origination fee.
Address
2114 E Rio Salado Blvd
Tempe, AZ 85281
Disclaimers
Achieve Limited Offer Terms and Conditions
*Average interest savings range from 0% - 6% based on closed loans that qualified for one or more of our rate discounts in July 2022. Maximum rate savings is 6% when including all discounts. Terms and conditions apply.
*These time periods are estimates and are in no way a representation or promise by Achieve Personal Loans. Same day approvals assume a fully completed application with all required supporting documentation is submitted early enough on a day that our offices are open. Achieve Personal Loans loan consultants are available Monday-Friday 6am-8pm, and Saturday-Sunday 7am-5pm Arizona time.
**Personal loans are available through Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank or Pathward, N.A., Equal Housing Lenders and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history. Loans are not available to residents of all states. Minimum loan amounts vary due to state specific legal restrictions. Loan amounts generally range from $5,000 to $50,000 (including the origination fee) and are offered based on underwriting conditions and loan purpose. APRs range from 7.99 to 35.99% and include applicable origination fees. Repayment periods range from 24 to 60 months. For example: A four-year $20,000 loan with an APR of 18.34% would have an estimated monthly payment of $561.60 and total cost of $26,956.80. To qualify for a 7.99% APR loan, a borrower will need excellent credit, a loan amount of $12,000.00 or less, and a term of 24 months. Loan origination fees vary from 1.99%to 5.99%, most loans have a fee of 4.99%. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; or showing proof of sufficient retirement savings, could help you also qualify for a lower rate. Average interest savings for personal loans range from 0% - 6% based on closed loans that qualified for one or more of our rate discounts in July 2022.
The financial solutions for which you will be evaluated are offered by service providers with which we are affiliated and/or compensated by who participates on our website. Terms and conditions apply to each, and not all are available in every state.
Achieve.com, a d/b/a of Bills.com, LLC (NMLS ID #138464) operates as a marketing lead generator for affiliates and non-affiliates, and as a broker for loans and debt resolution services offered by its affiliates. We also offer certain mobile applications that allow consumers to view and analyze their finances. We may take applications for our affiliates, but we do not make credit decisions, originate loans, process consumer loans or bill payments, or provide any other financial services. We do not collect any fees or other compensation from consumers.
Personal loans are available through Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank or Pathward N.A., Equal Housing Lenders and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history. Loans are not available to residents of all states. Minimum loan amounts vary due to state specific legal restrictions. Loan amounts generally range from $5,000 to $50,000 (including the origination fee) and are offered based on underwriting conditions and loan purpose. APRs range from 7.99 to 35.99% and include applicable origination fees. Repayment periods range from 24 to 60 months.
For example: A four-year $20,000 loan with an APR of 18.34% would have an estimated monthly payment of $561.60 and total cost of $26,956.80. To qualify for a 7.99% APR loan, a borrower will need excellent credit, a loan amount of $12,000.00 or less, and a term of 24 months.
Loan origination fees vary from 1.99%to 6.99%, most loans have a fee of 4.99%. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; or showing proof of sufficient retirement savings, could help you also qualify for a lower rate. Average interest savings for personal loans range from 0% - 6% based on closed loans that qualified for one or more of our rate discounts in July 2022.
†Times noted are estimates and can vary for a loan request from Achieve Personal Loans (NMLS#227977). Same day approvals assume that a fully completed application with all required supporting documentation is provided early enough on a day that our offices are open. Achieve Personal Loans consultants are available Monday–Friday 6AM to 8PM MST and Saturday–Sunday 7AM to 4PM MST.
