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Achieve Personal Loans Reviews

Formerly FreedomPlus

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About Achieve Personal Loans

Achieve creates a unique lending experience by providing you with a personal consultation where you can discuss your financial goals and needs with a loan consultant over the phone. Through its simple yet sophisticated application and vetting process, Achieve offers a custom rate based on your job profile, payment history, and several other factors—not just your credit score. You could even qualify for exclusive rate discounts from Achieve just for applying with a co-borrower, using your loan to pay off debt, or having retirement assets. Achieve also offers home loans and debt relief options through Freedom Debt Relief.

Visit www.achieve.com/personal-loans
Pros
  • Work with a certified loan professional
  • Easy online application & approval
  • Get funds in less than 48 hours
Cons
  • Loans not available in all states

Helpful Reviews

Bowie, MD
Verified purchase
The application and approval process proceeded seamlessly. The APR is good; a slightly lower rate would, of course, be better. Post distribution of funds an attempt was made to ch...

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Allentown, PA
Verified purchase
I'm so happy that I'm getting help with Achieve. Not only will my payments end after 4 years instead of 10, but I will save over $6,000 in interest! Curtis has been so helpful eve...

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How does Achieve Personal Loans work?

Achieve is an online company that provides quick and easy personal loans. Achieve strives to offer loans that are:

  • Simple, with one fixed monthly payment
  • Personal, with customer service that cares
  • Fast, with same-day loan decisions
  • Clear, with no confusing terms or agreements
  • Smart, as a practical option to meeting your financial needs

The eligibility requirements for an Achieve personal loan are simple and don’t rely entirely on your credit score. The basic requirements for an Achieve loan include:

  • A valid ID
  • A verified income
  • A bank account
  • A minimum credit score of 640

To find out if you qualify for an Achieve personal loan, fill out the company's short online application. You receive a loan decision in as little as a day and could receive funds within 48 hours. One of Achieve's loan professionals contacts you to work out the details of your loan.

Once you’ve qualified for a loan, you can manage your terms and payments and check your loan status through your Achieve login.

What types of loans does Achieve offer?

Achieve loan amounts start at $5,000, but you could be eligible for up to $40,000 depending on your qualifications and the state you live in. Loan term lengths range from two to five years. Achieve allows customers to use loans for multiple purposes, including:

  • Weddings
  • Home improvement projects
  • Large purchases
  • Debt consolidation
  • Medical expenses

It’s important to note that Achieve Personal Loans isn’t available in every state, and the minimum loan amount varies in some areas.

StateMinimum loan amount
Arizona$10,500
Ohio$5,500
Georgia$3,500

What fees does Achieve charge?

Achieve charges a one-time origination fee on its loans, which is a percentage taken out of the total loan amount. This percentage can be anywhere from 1.99% to 9.99%. There are zero early repayment fees, so you can pay back your loan in full anytime after the first payment.

The annual percentage rate (APR) of your loan varies based on your overall creditworthiness. Instead of basing your APR solely on your credit score, Achieve credit professionals consider your past reliability and other factors. Achieve APRs usually range from 6.25% to 35.99%.

Is Achieve Personal Loans worth it?

Achieve offers fast loans for every situation with amounts ranging from $5,000 to $50,000 and terms ranging from two to five years. The company doesn’t charge early repayment fees, so you’re able to pay off your loan early. If you’re in search of quick cash, Achieve online loans could be the right option for you.

Achieve Personal Loans Reviews

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    How do I know I can trust these reviews about Achieve Personal Loans?
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceStaffLoan ProcessRatesFollow-Through

    Reviewed July 9, 2026

    I did some research on Achieve, and they're a fairly stable, well-established firm. I called them up and spoke to the gentleman who I originally got the loan from. He was very knowledgeable, polite, and thorough. He went over everything with me. I felt very comfortable with the whole experience, so I decided to follow through and go with the loan. The application process was very smooth. They were very professional and on top of everything. They made sure during the process that I understood what was going on. The interest rate was a little high due to the fact that I wasn't providing any collateral. It was a loan based on my credit without any requirements. If you go with a loan where no collateral is given, you're going to pay a higher interest rate. Other than that, I'm very happy with Achieve. They did a very good job with whole process from beginning to end. I'm very satisfied and would recommend them to a friend.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your fantastic experience with us! We're thrilled to hear that our knowledgeable team made you feel comfortable throughout the loan process. It's great that our professionalism and thoroughness met your expectations, even though the interest rate was higher without collateral. We appreciate your recommendation and are delighted to have served you effectively. Your satisfaction is important to us, and we're here whenever you need assistance.

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      Verified purchase
      Sales & MarketingPunctuality & SpeedStaffRates

      Reviewed June 30, 2026

      I went through Credit Karma and they gave me the best choice at the time and I've never had a problem with Achieve. When I need to redo it, I'd go with Achieve again. They've been good to me. I was able to pay off some debt that I had. They have a lower interest rate and that helped out a lot. That was one of my biggest deals. Their lending process was quick. Their personnel made it easy. What stood out the most to about the experience is the kindness and the care of the people that do the work for me. They were not pressuring me. They said, "Well, you can do this, you can do that." Everything was so easy.

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      Achieve Personal Loans
      Response from Achieve Personal Loans

      Thank you so much for the wonderful review! We are thrilled to hear that our team made the lending process quick, easy, and pressure-free. Helping you secure a lower interest rate and pay off your debt is exactly what we aim for. Please reach out if you need any assistance in the future!

      Verified purchase
      Customer ServiceStaff

      Reviewed June 2, 2026

      Everything went well with Achieve, although we had a bit of a mix-up. Our bank changed names and the routing numbers had to be changed. I tried to tell Achieve and I told Trevor, the rep, a couple of times not to use the account that I had. I sent him a new one with the paperwork but he didn’t use it, and the money was sent to the old one. It took a day or two to get it back. It was more of a man thing. A big deal was made about my sending in the stuff, and we don't do checks. So, I had to go to the bank, get the check made with my name printed on it and do all these. So, that was a little bit irritating. I took time out of my day to do what they told me to do and they didn’t follow up on their end. They shouldn’t ask me to do something if they are not gonna do their part.

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      Achieve Personal Loans
      Response from Achieve Personal Loans

      Thank you for bringing this issue to our attention. We apologize for any inconvenience the mix-up with your account details caused. It's important to us to ensure smooth transactions, and we regret falling short this time. We'll share your feedback with our team to prevent this confusion in the future. If you need further assistance or support, please reach out to us directly.

      Verified purchase
      Customer ServicePriceMaintenanceStaffRates

      Reviewed May 18, 2026

      Achieve came up when I was looking last year and the representative that I contacted was on the ball. He was helpful and got me to where I needed to go. The application process went smoothly. I had a lockout security on my credit report, so we had to break through that. I had to get copies of my W-2s and my stuff for 10 years but that was easy to get. The rep was able to get all my information and apply it, which took a few minutes. Everything went well. The entire process took two hours, which wasn’t bad. It took 20 minutes when the representative called me the second time because I'm not locked out anymore.

      It was nice to consolidate everything. The aha moment was when the representative told me what I was paying to what I was going to be paying. The difference was significant enough to make me do it. Because if it wasn’t, I wouldn’t have done it. Price-wise, they did the best that they could with the standard. It was an exceptional experience with Achieve.

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      Achieve Personal Loans
      Response from Achieve Personal Loans

      Thank you for sharing your exceptional experience with Achieve. We're thrilled that our representative could guide you through the application process efficiently, overcoming any barriers with ease. It's wonderful to hear how significant the savings have been for you after consolidating. We're committed to providing our customers with the best possible rates and are excited to know you're pleased with the outcome. Your satisfaction means a great deal to us.

      Verified purchase
      Customer ServicePriceRefunds & PayoutsStaffBillingLoan ProcessRates

      Reviewed April 18, 2026

      My mom passed away in January 2023, and I became the estate administrator. I had to keep paying her mortgage along with my own, plus utilities and cleanup, and it added up to about $20,000. So I decided to try to get a loan to pay off my car and consolidate some of my credit cards. I found Achieve through Credit Karma and qualified for $15,000. They called me last year, trying to give me more, but my credit was still bad. I work overtime and have been picking up extra shifts to improve my credit. And it did. Everything is very expensive here in California, so I’ve been working overtime and paying down my credit cards. The loan helped because my credit card interest was so high.

      Before, I was paying my mortgage, the Achieve loan, and about $1,200 on credit cards each month. Jeremy, the one who called me, helped through the process. He checked my credit, it went through, and it's working out good. He was very professional. I would refer him specifically because he worked with me and made the process easier. I’ve told my son about Achieve because they bought a house and I’m going to talk to one of my friends who said she has a lot of credit cards too. I'm going to refer her and see if she wants to consolidate and have a lower interest rate.

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      Achieve Personal Loans
      Response from Achieve Personal Loans

      Thank you for sharing your experience with Achieve! We're thrilled to hear how our services helped connect you with the resources you needed during a challenging time. It's wonderful that working with Jeremy significantly improved your experience by making the process smoother. Your dedication to enhancing your credit is inspiring, and we're delighted that the loan supported this journey. Moving referrals like yours encourage more people to explore opportunities for financial consolidation and lower interest rates. We’re grateful for your recommendations, and we're proud to have been able to assist you in managing your finances better. Don’t hesitate to reach out if you need any further assistance; our team is always here to support you!

      Verified purchase
      Customer Service

      Reviewed July 11, 2026

      Achieve was the first one that called me, and my overall experience with the guy who I dealt with, Clinton, was phenomenal. The process took about 25 minutes, and that was only because I had something locked on my end.

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      Achieve Personal Loans
      Response from Achieve Personal Loans

      Thank you for sharing your positive experience with us. We're delighted to hear that Clinton provided phenomenal service, making your process efficient despite any initial challenges on your end. Your feedback is greatly appreciated, and we aim to uphold the high standards you've experienced.

      Verified purchase
      StaffBillingLoan Process

      Reviewed July 7, 2026

      I contacted Achieve Loans to consolidate some of my credit card debt. The personnel that helped me was very informative and helpful. I would recommend this company to anyone who needs help with loan debt.

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      Achieve Personal Loans
      Response from Achieve Personal Loans

      We appreciate you taking the time to provide your feedback about Achieve Loans! We're thrilled to hear that our team was so helpful and informative in assisting you with consolidating your credit card debt. We're glad you feel confident recommending us to others seeking loan assistance. Your satisfaction is our priority, and we appreciate your recommendation.

      Verified purchase
      Customer ServiceSales & MarketingPunctuality & SpeedStaff

      Reviewed June 29, 2026

      I got an advertising letter from Achieve, and it sounded reasonable, more than the rest of the offers I get from other companies. I tried them out, and the application process was quick and easy. The rep I worked with was friendly. So far, I'm happy with the process. Their customer service was good. I had an easy and quick experience.

      Thanks for your vote!
      Achieve Personal Loans
      Response from Achieve Personal Loans

      We love hearing this! Thank you for trusting us to help. We'll be sure to pass your kind words along to our customer service team.

      Verified purchase
      Punctuality & SpeedStaffLoan ProcessRates

      Reviewed June 28, 2026

      I came across Achieve when I was doing my online research. I went for a personal loan and was happy with the rate and terms. The application was very quickly processed. In two days, it was completed. The person was very easy to work with as well. They were very efficient and knowledgeable, and everything went very smoothly. I did not have any issues with any of the loans I've had with Achieve.

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      Achieve Personal Loans
      Response from Achieve Personal Loans

      Thank you for sharing your positive experience with us! We always aim to provide clear terms and fast service, so it's wonderful to know we hit the mark for you. Thanks for choosing us again.

      Verified purchase
      Customer ServiceStaffLoan Process

      Reviewed June 27, 2026

      I liked Achieve Personal Loans' customer service. The person who helped me was such a sweetheart. He was the main reason why I ended up going with Achieve. He needs a raise. He was very thorough and very helpful with everything. There wasn't anything that he left out. It was perfect. Once I got everything in and everything was requested, it did not take a long time. It took within an hour or two.

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      Achieve Personal Loans
      Response from Achieve Personal Loans

      Thank you for your glowing review! We're thrilled to know that our colleague's dedication and helpfulness greatly impressed you and contributed to your decision to choose Achieve Personal Loans. It is our aim to offer a smooth and swift process, and we're glad you experienced exactly that. Your feedback motivates us to continue delivering exceptional service. If there's anything more we can do in the future, please don’t hesitate to reach out.

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      Achieve Personal Loans Company Information

      Social media:
      Company Name:
      Achieve Personal Loans
      Formerly Named:
      FreedomPlus
      Website:
      www.achieve.com