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 $300,000*. 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 360 months**
● Minimum required credit score - 640
● Loan amounts - Starting at $5,000 and up to $300,000**
● APRs - From 9.75% to 15.00%**
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 640 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 ConditionsHome Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval.
Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio.
Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply.
Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests).
All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (2.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details.
†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.
†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.