Achieve Personal Loans

Achieve Personal Loans

Formerly FreedomPlus

 4.1/5 (493 reviews)
Achieve Personal Loans

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Overall Rating4.1 out of 5
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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. Contact us today to learn more about our service or to start your application process!

Pros & Cons


  • Work with a certified loan professional
  • Easy online application & approval
  • Get funds in less than 48 hours


  • Loans not available in all states

Bottom Line

Achieve is an online loan broker that provides loans from $5,000 to $50,000. Get approved in less than a day, and you could receive funds in as little as 48 hours.

Top Achieve Personal Loans Reviews


They were accurate and took time to answered all my questions. They make sure you understand everything before proceeding. Proceed with the term of the loan is totally up to you, ...

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Applied for a personal loan with FreedomPlus. I was skeptical of an online loan. The application and loan process was quick and easy. Received a call from a loan consultant within...

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How does Achieve Personal Loans work?

Achieve Personal Loans is an online company that provides quick and easy personal loans. Achieve Personal Loans 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 620

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 Personal Loans’ 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 isn’t available in every state, and the minimum loan amount varies in some areas.

StateMinimum loan amount

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 5.99%. 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 7.99% to 35.99%.

Is Achieve 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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Page 1 Reviews 0 - 5
Verified Reviewer Verified Buyer
Original review: June 9, 2023

They're always very friendly and helpful. The girl who helped me double-checked until I got the loan. The only thing I don't like about Achieve Personal Loans is the interest is so high. It doesn't look like I would finish paying off this loan. I wish after a year or six months, they could look at my credit score and try to reduce the interest. Other than that, they were the best. Even when I call customer service, they're very patient and knowledgeable.

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    Verified Reviewer Verified Buyer
    Original review: May 27, 2023

    Achieve Personal Loans worked with me during the COVID. At first, I had to get all my information for them. Then I caught COVID, lost my job and I had to get a second career. They completely understood, but it almost went into collections, so I had to go to the settlement department. I haven't missed a payment yet, nor am I going to. I try to put a little extra on. It's really reasonable. When I'm close to done with this one, I have a couple more that got away from me during COVID that I'm gonna have them reconsolidate.

    Achieve Personal Loans response

    Hi Scott! We love to hear that we were able to bring you relief and that you are so close to being debt free! Thank you for sharing this journey with us and trusting us to keep you on the right path.

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    Verified Reviewer Verified Buyer
    Original review: May 11, 2023

    I originally started out under FreedomPlus, and they were bought out by Achieve. They converted my loan over, and the support I've gotten from Achieve so far has been excellent. I love it. They're more responsive and friendly, and the rate is also better than most of my other loans. Through the website, they're good with providing information and letting me know what's going on with the account. A week before my payment is due, I'll get a notification that it's due and that it'll be pulled automatically from my account. So far, my experience has been great. One person in particular, Celeste, has been amazing.

    Achieve Personal Loans response

    Thanks for taking the time to review us, Bruce. We're so happy to hear you had a good experience. FreedomPlus actually rebranded to Achieve, so same great people and service, just under a new name. We'll be sure to share your shoutout to Celeste. Hope you have a great day!

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    Verified Reviewer Verified Buyer
    Original review: May 11, 2023

    Achieve has the best rates. The reps were very knowledgeable. We got to the point right away and they didn't waste any time. I like the convenience and the quickness. I've just been trying to get a gentleman that might have been trying to get ahold of me for a better rate. We've been playing tag the last week. Other than that, so far, so good.

    Achieve Personal Loans response

    Hi Roberto, thank you for sharing such positive feedback with us! We are happy to hear that you feel supported while working with us.

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    Verified Reviewer Verified Buyer
    Original review: April 16, 2023

    My experience with Achieve was great, quick and easy. I got exactly what I wanted. I still think the interest rate is high, but it's much lower than credit cards. I worked with one person. She was very polite and nice and answered all my questions. When I did call her, she would respond quickly. Older people who need help like this, we get anxious. She was very patient and understanding.

    Achieve Personal Loans response

    Juliane, thank you for sharing your experience with us. Our goal here at Achieve, is to provide a solution that best suits our members goals!

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    Verified Reviewer Verified Buyer
    Original review: May 11, 2023

    It's been a little rough with Achieve. They took two payments out instead of one a month. I showed them that I made one payment but they told me that I didn't make a payment. I had to give them a bank statement telling them that I made the payment. They said they never got it. I also tried to refinance with them. I've been with them for a while. I should get a lower payment but the interest rate and my payment went up. I wasn't happy with that. They're helping me, but I don't feel that their customer service is the best.

    Achieve Personal Loans response

    Sharon, we are sorry to hear about your poor experience with our customer service team. We will use your feedback to get better, we expect our customer service team to provide the best customer service, every time.

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    Verified Reviewer Verified Buyer
    Original review: May 10, 2023

    Achieve Personal Loans explained everything to me better so I gave them a try. I did a personal loan and the application process took a couple of days. That was fine. This is a good company.

    Achieve Personal Loans response

    Hi Shuan, we are happy to hear that we have been able to provide you with the support you needed.

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    Verified Reviewer Verified Buyer
    Original review: May 10, 2023

    Achieve Personal Loans' customer service has always been good. I call once a month to make my payments early. They switched my payment over and reset my autopay to take out the next month.

    Achieve Personal Loans response

    Hi Victoria, it is great to hear that we have been able to meet your needs!

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    Verified Reviewer Verified Buyer
    Original review: May 10, 2023

    Freedom was very flexible. If I needed to update my payment date, their system was not configured to where it can do it as intended. I had to know what date I could do it and make sure the final payment was made on their due date. Also, when they automatically drafted by mistake, they didn't refund the money but they were able to make sure it didn't happen again.

    Being with Achieve is not as friendly as it was with Freedom. But it's exactly as it says. So, that's why I don't make it a point to call them often. I just go to the website and pay the bill. They're not as stress-free. They're just like, "Okay, we gave you the money. You asked for it. Please be sure to pay it."

    Achieve Personal Loans response

    Hi Syreeta, thank you for your feedback. We are glad to hear that the payment confusion was corrected. We expect all of our members to receive top tier customer service. We will use your feedback as an opportunity to get better.

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    Verified Reviewer Verified Buyer
    Original review: April 22, 2023

    The loan with Achieve was easy because I did most of it online and then I talked with the guy over the phone when we were walking through the process. I had to run to the office and get the computer because I had to fax stuff to them. Otherwise, it was super simple.

    Achieve Personal Loans response

    Terry, thank you for sharing your experience. We love to hear how simple our application process is!

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