Achieve Personal Loans Reviews

I know the percentage rate that they offered me was better than the percentage rate that I paid on the credit cards. So, rather than sending the credit cards $300 each a month, it was easier to send them $500 a month and be done with the credit cards. My motorcycle loan was also tied into it. I had another four grand to pay on it. At the time, it was all my payments. It was three credit cards and the motorcycle. Every month, I had to remember to pay these four payments. By getting rid of those four payments and making it one payment, it simplified my life a lot.

I make my payments on time. A week before, they always send me a text saying, "Your Achieve payment will be processed next week," just to give me a heads-up. They contacted me one time in the last year just because they're getting towards the end of the loan and they said that I qualified for a better interest rate. But because I didn't have any up-to-date payment information, proof of employment, they weren't able to process it, which is fine. I have one more year left on the loan anyway. It's almost finished.

The process has been fairly easy with automatic payments. The loan was supposed to be pulled out of my account on one particular day, but I was getting paid the day after, and I didn't have enough in my account at the time. So I called to see if I could change the date, and they were really easy about being able to change the date and then move it right back into my normal automatic payment date. As far as the price monthly, for the amount that I ended up taking out, the amount I'm taking out and the amount of time that I'm paying it over the next years, it is fair. It made perfect sense when they were explaining how everything worked. I can pay it off early if I come into better financial standings.

We have been overrun by a traumatic illness and it was overwhelmingly exacerbated during anesthesia administered just before colostomy reversal surgery. Dreadful. (no colostomy reversal after that deadly sideline/code blue that occurred in OR). My husband was resuscitated by paddles and intubated which soon after caused several internal deadly infections. Sepsis infection in blood. Urinary and lung infections. He has been diagnosed with a beastly illness to push back against: pulmonary arterial hypertension. That has caused our life to take on some very big changes.

Every single solution (except deferral) which is a band aid; when my credit was still 763 I was helped by my agent to get a refi interview. That agent knocked me down in two seconds. Why? Not allowing the use of household income to include both me and husband and both on limited fixed incomes and we still made too much for your formula guidelines which are out of touch with some parts of the nation. My loan on 10/15/2021? was approved with 7.74 interest rate and nonissues!!

Continuing: Agent tried to help me get interview for payment modification. Nope our combined income in NYC borough of Queens, NY. Still we make too much. Bottom line my payments are too high for the amount of fluid money in my budget due to astronomical amount of medical supply and inflation, driving, food, gas everything 2-3-4 times higher in our area.

The person I was working with was really good. I could call her at any time or if I left a message, she would call me back before the end of the business day, depending on what time I left it. If it was near the end of the business day, I'd get a phone call the first thing in the morning. I really didn't have to deal with anybody. They were handling the business. I didn't have to call them. I called them a couple of times when one was paid off and I just needed to have the letter that says it was paid off. My rep said she was waiting for it from them. The communication was always open and clear. Achieve went overboard to say, "Is there anything else I can help you with? You need to have this. You need to have that." So, it was smooth.

A lot of the application process was by phone and by Gmail. They sent disclosures by Gmail, and then I spoke to somebody on the phone. They got information. They verified all of my information. They checked my credit, and it was mostly by phone and by Gmail. They sent all the information by Gmail. I looked it up to make sure that they were legitimate to get my information. They do send me paperwork periodically in the mail. They send me my bill and how much is left for what I'm paying. Achieve is legitimate. They're not negotiable for bringing down any kind of monthly payments. Those personal loans never do that anyway.

Achieve did their job. I didn't feel like they took advantage of me or just didn't care about me as a customer. I spoke to about two people. They were fair. They did try to get me to get another loan recently, and tried to consolidate, but my credit score is not where it should be because I have a collection which I'm currently paying. They were nice enough to try to lower my rate. I would recommend them. The company is okay as long as the interest rates are reasonable and you just don't take too much.

The website is good. I downloaded the app for my thing, but I don't see my thing coming up. Maybe I need to call somebody at the office to see whether they can do something about it 'cause I'd rather fill my app than keep calling them every once a month to pay my bill. Overall, Achieve Personal Loans cleared up my debt for me. Instead of paying four different fees a month, I can just pay one fee a month and I'm good. I would tell people they're good by me, and if they're in a situation, all they gotta do is call up Achieve, talk to them and see what they can do for them.