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.
- Work with a certified loan professional
- Easy online application & approval
- Get funds in less than 48 hours
- Loans not available in all states
Featured Reviews
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.
| State | Minimum 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 6.99%. 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 8.99% 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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- 4,675,583 reviews on ConsumerAffairs are verified.
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- Our moderators read all reviews to verify quality and helpfulness.
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- 4,675,583 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed April 20, 2025
Years ago, when I was struggling as a single mom with significant medical debt, Freedom was the only group willing to support me in negotiating down my debt, which I greatly appreciated. They stepped in when I was relying heavily on credit cards and effectively helped me out of that financial situation. Naturally, when Achieve took over, I decided to stay with them.
Navigating the enrollment process with Achieve Personal Loans was surprisingly seamless. Initially, I feared encountering numerous hurdles, but the process turned out to be quite straightforward, and their assistance was commendable. The customer support was exceptional; it felt more like having a partner on my side rather than facing an institution alone. From application to funding, the whole process was incredibly swift, completed within a day, which was a huge relief for me, given my busy schedule managing my work and my children's medical issues. All the necessary steps were managed over the phone and online efficiently.
Achieve's involvement in my life has had a positive impact, providing significant relief in a time of potential stress-related medical concerns. They have been nothing but helpful to me, and I wouldn't hesitate to recommend Achieve Personal Loans to friends or family seeking financial assistance.
Thank you so much for your heartfelt message, Dawn. We’re truly honored to have been part of your financial journey and are grateful that you chose to stay with us after your experience with Freedom. It means a lot to hear that we’ve been able to provide support that made a real difference during a challenging time in your life.
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Reviewed Feb. 27, 2025
I first heard about Achieve through my spouse, who found it while we were considering various loan options. We decided on Achieve because it seemed like the most convenient and straightforward choice for our needs. The lending process was extremely convenient, particularly the online dashboard that made management a breeze. The entire process took about 2 to 3 weeks, mainly due to our need to carefully plan financially, as I am preparing for retirement in the next couple of years.
A standout part of my experience was the assistance of the representative, Dave. His patience and ability to explain complex aspects of the loan process in multiple ways with examples was invaluable. He helped us understand various factors such as length of time, payment variations, pay ahead options, and balloon payments.
The only area where I felt there could be improvement was the rate, which is a common concern. Despite this, we've already recommended Achieve to friends, providing them with a link and mentioning Dave by name. The process alleviated a significant amount of stress for us, assisting with financial planning and cash flow management as we approach retirement.
In summary, I would describe Achieve as very helpful, with commendable customer service that simplifies complex processes.
Hi Robert, thank you for taking the time to share such a thoughtful review of your experience with Achieve! We’re delighted to hear that our lending process was convenient and that our online dashboard made managing your loan easier. It’s wonderful to know that Dave provided exceptional support, taking the time to explain the loan details in a clear and helpful way.
We wish you the very best as you prepare for retirement, and if there’s anything we can assist with in the future, please don’t hesitate to reach out.
Reviewed Oct. 25, 2024
Achieve Personal Loans has been good to me. They have always been very helpful. The debt consolidation and they have lent me or $30,000 to pay off my motorcycle and a couple of credit cards that I had, and I was able to get the max. I tried to get some cash out of it also, but they said they couldn't give me any more than $2,000 or $3,000 cash, that the loan had to be used for debt consolidation. They weren't able to give me much, but I was able to get $2,000.
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.
Thank you for sharing your experience, William! We're so glad Achieve Personal Loans could simplify your payments and help consolidate your debt, making it easier for you. It's great to hear our reminders and support have been helpful as well. We appreciate your trust in Achieve and are here if you ever need us!
Reviewed Aug. 31, 2024
When we first started with Achieve, the customer service I received was phenomenal. I got to talk to people versus a machine for the majority of what we were looking to do. And it's that personal touch that makes a difference. The application process was a little bit lengthy, though. But when you're talking about dollars and cents, you gotta get it right. That's not something you can mess around with. That makes sense and I understand that. I'm thankful that they were there in a time of need. If things get rough again or tight, I believe Achieve would still be there for me if I needed anything from them.
Thank you so much for your thoughtful review, Brenson! We’re thrilled to hear that our customer service made a positive impact and that the personal touch stood out to you. We understand that the application process can be a bit lengthy, but we appreciate your understanding of its importance in getting everything right. It’s great to know that we could be there for you during a time of need, and we’re committed to being there for you in the future if you ever need us again. Your trust means the world to us!
Reviewed July 20, 2024
I called a few places and because of the person I talked to at Achieve Personal Loans, I went with them. He was down-to-earth and he understood that I needed some money. He explained everything thoroughly and told me what I was going to pay for my credit score. We had a really good conversation and I believed in him. My credit score is pretty good. I don't have an 800 credit score but he said I could always refinance the loan. Then he said that if I ever got a problem, like I couldn't pay it or I wanted it lowered, I could pay on it for six to eight months then call back, get a steady payment history behind me, and we could talk then. After I was approved, they put the money right into my account in two days. Also, I have used them their website and it's top-notch. I would use Achieve again.
Thank you for sharing your experience, Christopher! We're thrilled to hear that our representative made such a positive impression and provided thorough explanations. It's great to know that you found our service helpful and that the funds were quickly deposited into your account. We're also glad you find our website top-notch. We appreciate your trust in Achieve and look forward to assisting you again in the future.
Reviewed May 7, 2025
I was drawn to Achieve to consolidate a high-interest loan with CareCredit, which seemed like it would take another 12 to 15 years to pay off fully. By switching to Achieve, I found the interest rate considerably lower, which made it the ideal choice for me over other options like a credit union.
The application process was impressively fast, taking less than half an hour. Their customer service was excellent, with the representative providing clear and helpful guidance throughout my application. The experience met all my expectations, leaving me with the feeling that going with Achieve was indeed the best decision for me. I feel confident recommending Achieve Personal Loans to anyone seeking a more manageable interest rate and a straightforward application process.
Thank you for sharing your experience, Anna! We're so glad to hear that Achieve helped you find relief from a high-interest loan and that our lower rate and quick application process made a positive difference. It’s especially rewarding to know that our team provided clear, helpful support along the way.
Reviewed May 7, 2025
Achieve's loan officer was very helpful and good at his job. One thing I'm pleased to report is that the application process went smoothly with no hiccups.
Thank you for the kind words, Ophelia! We're thrilled to hear your application process went smoothly and that our loan officer provided helpful, professional support. That’s exactly the kind of experience we aim to deliver.
Reviewed May 7, 2025
John ** was absolutely terrific at working with me to determine my loan needs, the best path forward to minimize the interest rate, and how best to work to pay off the loan ASAP while using autopay to make sure I didn’t miss any payments and get hit by unnecessary fees. He was terrific and I’d recommend anyone who has any questions or concerns to call him and go through your personalized situation.
Thank you for the great feedback, Patrick! We're so glad to hear that John provided such thorough and thoughtful support. It's wonderful to know he helped you navigate your loan options and set you up for success with a repayment plan that works for you.
Reviewed May 7, 2025
Achieve was truly excellent. I opted for a consolidation loan to manage my credit card debts, and the process was impressively smooth and fast. The loan specialist who assisted me was outstanding—I couldn't have asked for better support. I felt 100% comfortable with everything from start to finish.
Thank you for the glowing review, Fitzroy! We're thrilled to hear that your experience was smooth, fast, and stress-free. It's great that our loan specialist made you feel completely comfortable and supported throughout the process — that’s exactly what we aim for.
Reviewed April 30, 2025
I received the loan on the same day I applied and the loan specialist I interacted with was both friendly and professional. There wasn't anything negative to note about my dealings with them. Overall, my experience with Achieve Personal Loans was positive, and I wouldn't hesitate to recommend them.
Thank you for your kind words, Nigel! We're so glad to hear that your loan process was fast and that our specialist provided a friendly, professional experience. Same-day funding and great service are what we strive for, so it’s wonderful to know we delivered on both.
Achieve Personal Loans Company Information
- Social media:
- Company Name:
- Achieve Personal Loans
- Formerly Named:
- FreedomPlus
- Website:
- www.achieve.com
