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Achieve Personal Loans

Achieve Personal Loans

Formerly FreedomPlus

Achieve Personal Loans
4.2(559)

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Overall Rating4.2 out of 5
See all 559 reviews

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

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

Bottom Line

Achieve Personal Loans 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.

Achieve Personal Loans Reviews

ConsumerAffairs has collected 559 reviews and 480 ratings.

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Page 2 Reviews 5 - 35
Verified purchase
StaffLoan Process

Reviewed Aug. 29, 2023

I put an application in and it was approved the same way it was before, so it wasn’t a hard process. Also, the reps were very nice.

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Response from Achieve Personal Loans

Hi Wyetony, its amazing to hear that the application process went to smoothly!

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Customer ServiceStaffLoan Process

Reviewed Aug. 24, 2023

Achieve Personal Loans needs to get better customer service. I talked to two representatives who were horrible. One was blowing up my phone and my email sending me information and telling me that I was preapproved for a loan. When I had the time to call him back, I left a message and he never returned my call. I called in again and I wanted to speak with another representative. The supervisor put me through to another representative, Alex, and he said that the first representative was trying to get in touch with me to lower my payments from my first loan and to see if I was interested in taking out another loan. I wanted to ask questions and he acted like he was getting tired of me asking questions and he just wanted me to go along with what he was saying, which wasn't going to happen. I stopped him right in his tracks and I told him to have a supervisor give me a call back.

A week went by and no supervisor had called me back so I ended up calling back. I talked to a second supervisor and she said she'd put me back with Alex and I said I don't wanna deal with him. I told her about the representative who handled my first loan very well who was very good. She reached out to that representative and had the representative call me. I've been dealing with that representative since then.

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Response from Achieve Personal Loans

Hello Marilyn, we are very sorry to hear about your experience with our agent. We never want our members to feel like they are not able to ask questions. Our goal is to inform our clients of everything going on with their loan. Please be on the look out for further communication from our team.

Verified purchase

Reviewed Aug. 24, 2023

The reps explained everything in detail. They answered all the questions before I had time to ask them. If I ever have a question, they're quick to reply. It's easy to reach customer service. The payment comes out automatically.

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Response from Achieve Personal Loans

Thank you for sharing your experience with our service team, Angela. Please let us know how we can continue to support you!

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Customer ServiceStaffLoan ProcessRates

Reviewed Aug. 22, 2023

Achieve Loans' reps are very nice people. If I asked them anything, they always did it. Everything went fine for me, except the interest rate. I owe them close to 13,000 and my payment's 400 a month. So, the interest rate is too high for me. The experience I had was very good with them until I realized, "Why is my payment $400?" And I must have misunderstood the interest rate. Other than that, everybody has been so nice when I've called them.

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Response from Achieve Personal Loans

Hi Margaret, it is great to hear that we have been able to provide you with friendly service! We encourage you to contact our customer service team to provide you with more information about your interest rate.

Verified purchase
Customer ServiceOnline & AppLoan Process

Reviewed Aug. 22, 2023

The application process at Achieve Loans was very easy. It took 20 minutes overall. We called one day, filled out all the paperwork and we got approved the next day. In less than a week, everything was being paid off. They sent the money straight to the credit card companies. They took care of all that for us.

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Response from Achieve Personal Loans

Hi Mark, thank you for sharing your review! We are so happy to hear that you are pleased with our services and wish you nothing but continued success.

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Customer ServiceRates

Reviewed Aug. 20, 2023

I liked the interest rate that Achieve offered me, the service and their follow-up, and the people that I talked to. During the application process, they took my information over the phone and checked it out as far as the amount I was borrowing. They went over the loans and gave me the information to sign over the internet and I DocuSigned it, and it was a done deal. They paid all the creditors off and within three weeks, I saw positive changes on my credit report.

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Response from Achieve Personal Loans

Hi Greg, we can't thank you enough for staying committed to the plan we have in place - you are doing great!

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StaffRates

Reviewed Aug. 20, 2023

The reps answered everything I asked them and answered it to what I thought was good. There was too much interest on the loan, but it worked out. Achieve Personal Loans helped me out of a financial bind at first. People should try them.

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Response from Achieve Personal Loans

Hi Marvin, thank you for your feedback! It's great that our representatives have been able to address your questions and concerns.

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Customer ServiceStaffRates

Reviewed Aug. 19, 2023

Achieve's customer service was always nice and I liked them. They asked us general questions for loans like employment status and birthdate. They then ran our credit. It didn't take long to receive the funding. Our payments were $763.23 a month and it was pretty high. The interest rate was not that great as it was too high, especially with the fact that our credit was pretty good. It was 26.99% interest rate. We ended up just getting another loan to pay that one off and to get a lower interest rate.

The payoff should have been around 24,000 something. But we ended up paying $25,065.09. The guy did say something that threw us off a little bit. The day we called it in to make that payment, they said that if it didn't go through that day and it would go through the next day, but at a rate of 25,200 something and I didn't like that too much. We made two payments prior to paying off the loan so it was like we gave extra money.

Other than that, the contract with Achieve was fine for what we needed it for at the time. Depending on your credit, they were able to work something out. It's just the interest rates are too high and you'll be putting out more money than you should. If the person is desperate enough to get a loan, maybe do Achieve. But if not, then consider going somewhere or going to banks.

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Response from Achieve Personal Loans

Thank you for your feedback, Kerstein. We appreciate you taking the time to share your experience with us. Please contact our customer service team if you have questions about your loan.

Verified purchase

Reviewed Aug. 10, 2023

The reps were very polite. But one thing I've had trouble since day one is I cannot seem to get the app so I can keep track of my account. I can't load it. Every time I try it, I get the loan I had before when it was Freedom and that's the one that keeps popping up.

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Customer ServiceStaffLoan Process

Reviewed Aug. 9, 2023

Outstanding interactions throughout process beginning with Freedom Debt Relief until current with Achieve. Customer service exemplary; always respectful, knowledgeable, and sensitive to my financial struggles and needs. I am sure many people who work hard and still experience money issues appreciate Freedom Plus as much as I do. Thank you all so much.

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Response from Achieve Personal Loans

Hi Rina, thank you for sharing your experience with us! We look forward to supporting you in your journey to financial freedom!

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StaffLoan Process

Reviewed Aug. 8, 2023

The reps I worked with were very nice. At that time, I was very lucky to have gotten a loan from them. They're very considerate, dependable, and willing to work with you.

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Response from Achieve Personal Loans

Raymond, we are happy to hear that we have been able to provide you with a solution! Please let us know how we can continue to support you!

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Customer ServiceStaffRates

Reviewed July 29, 2023

Applying was straightforward. The rate was high, but at that time, I needed to use it. Anytime I called, the reps could answer my questions. They were all professional and super helpful.

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Response from Achieve Personal Loans

Hi Teresa, thank you for sharing your experience! It is very important for us to provide the best experience for our members as we understand the support you need from us!

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Online & AppStaff

Reviewed July 29, 2023

The application at Achieve Loans was good. I was able to change my payment date, which worked a little bit better for me.

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Response from Achieve Personal Loans

Denise, thank you for sharing your experience! Our team takes pride in providing world-class customer service to our members and it's great to hear you are happy with our service efforts!

Verified purchase
Online & AppStaffLoan Process

Reviewed July 29, 2023

The application process at Achieve Loans was good. The rep helped me out and he made it painless. They gave me some breathing room for running my business.

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Response from Achieve Personal Loans

Hi Dale, thank you for sharing your experience! It's always great to hear members share how pleased they are with our service efforts and exceptional team. Our Achieve Loan Servicing Specialists are available Monday-Friday 6:00 AM-7:00 PM PST and Saturday-Sunday 7:00 AM-3:00 PM PST to address any concerns that come up.

Verified purchase
Customer ServicePunctuality & SpeedStaffLoan ProcessRates

Reviewed July 7, 2023

I liked the rep's knowledge about the loan process. The only thing I had an issue with is I had already done 90 something percent of the rate before realizing the high interest rate that was attached to my plan. They should divulge that information on their interest rate and their fee that I would pay. But everything else went smoothly.

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Response from Achieve Personal Loans

Hi Dione,

We are glad to hear the process was smooth, and sorry to hear that you felt unaware of term details prior to completing majority of your paperwork. We hope the loan helps you as desired. Thanks for choosing Achieve.

Verified purchase
Customer ServicePunctuality & SpeedStaffLoan ProcessRates

Reviewed July 7, 2023

I already have a loan with Best Egg and my interest rate is 6% but Achieve’s rate is 16%. Considering that I had zero late payments and I've got an assortment of different things, they're up a little bit. Other than that, it worked out fine. They funded me. They were a day or two slower than Best Egg but Achieve did what they said they would. I got the loan but I'll end up going away from Achieve eventually within the next six months.

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Response from Achieve Personal Loans

Hi Jeffrey,

We understand the rate you got wasn't the most ideal as you would've liked, in this time rates are crazy high and we aim to beat our competitors but also still have certain guidelines we must follow. Glad to hear it overall worked out for you. Thank you for choosing Achieve.

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Loan Process

Reviewed July 7, 2023

They had a good deal. I got a consolidation loan and the application process was super easy. I did everything online and it was good.

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Response from Achieve Personal Loans

Hi Judy,

So glad to hear this process was quick and easy for you. Thanks for choosing Achieve Loans.

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Customer ServiceStaffLoan ProcessRatesTransparency

Reviewed July 7, 2023

The rep was helpful. He went through the loan and explained the benefits. However, it took about five days before the money was available, and the interest rate is a bit high.

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Response from Achieve Personal Loans

Hi Edwin,

Thank you for your feedback, we take these into account for review to help us get better as a company. We know the interest rate is higher than you'd like, however we try to still come in lower than other borrowers we compete with. We hope all in all you are satisfied.

Verified purchase

Reviewed July 6, 2023

Combined two loans into one loan saving me money overall. Representative that work with me over the phone I believe was on a Saturday was very knowledgeable personable and professional. Unfortunately don’t remember her name.

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Response from Achieve Personal Loans

Hi James,

Thank you for leaving your feedback, we are happy to hear you had a great experience and are able to get back on track. Thanks for choosing Achieve Loans.

Verified purchase
Punctuality & SpeedStaffLoan Process

Reviewed June 18, 2023

Achieve Personal Loans is a very good way to go if you need it and if you can qualify. Their loan specialist was knowledgeable and accommodating to try to find a good option. Our experience was both positive and quite quick.

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Response from Achieve Personal Loans

Hi Karl, thank you for reviewing your experience wit our team. We are honored to partner with you in your journey towards financial freedom!

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Customer ServiceStaffLoan ProcessRatesTransparency

Reviewed June 17, 2023

Achieve was very informative and explained things to me. It was simple using them. I'm not tech-savvy, but I was able to do it. Their rate is better than the ones I've had in the past.

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Response from Achieve Personal Loans

Hi Rosalind, it is great to hear that we have been able to provide you with the support you needed!

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Customer ServiceStaffLoan Process

Reviewed June 10, 2023

My experience with Achieve Personal Loans are a very good one. I could not do it without their help, I totally appreciate them because they came into my life when I needed help. Their customer service are awesome even though I don't call them on a regular basis but they are always there and Attentive to your call. I totally would highly recommend them to any friends and family. Many thanks again for being there for me.

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Response from Achieve Personal Loans

Hi Marlene, we cannot thank you enough for trusting us and we are so happy to hear that you feel confident enough in us to refer our service to your loved ones! We are very thankful for your partnership and wish you continued success!

Verified purchase
Customer ServicePunctuality & SpeedStaffLoan ProcessRates

Reviewed 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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Response from Achieve Personal Loans

Hi Marian, thank you for sharing your experience with us! It is great to her that you received such great service!

Verified purchase
Rates

Reviewed June 8, 2023

This is an easy company to work with. I think they have my best interest in mind. The rates are fair and they took care of everything. I started out 65k in debt and after a while was offered to get the balance paid off through Freedom Financial. Great decision! I will likely pay off the remainder this summer and will look to doing business with them again in the future.

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Response from Achieve Personal Loans

Hi Kim, it is great to hear that you would work with us again. Please let us know if you have any questions regarding your loan!

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Customer ServicePunctuality & SpeedStaffLoan Process

Reviewed June 3, 2023

The rep called later and we worked out a better deal. She went over some options and ways that I could lower my rate, and we did what we could. They took a lot of payments into one payment so I didn't have to worry about a bunch of different due dates. If you have a co-signer, it would help you lower your rate. Doing the automatic draft would help as well.

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Response from Achieve Personal Loans

Hi Jayla, thank you for your feedback. We are happy to be able to help you on your journey toward financial freedom!

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Customer ServicePunctuality & SpeedStaffLoan ProcessRates

Reviewed June 2, 2023

So far, working with them is good. I had one problem and they solved it. I got a personal loan and I received the money pretty fast. The application process was super easy. But I didn't know that they automatically charge in my account and I prepaid the first payment and I was double-charged. I called them and they sent me the money back. I definitely recommend Achieve. It's a great company and it helps me a lot. They helped me a lot with my personal issues and I truly appreciate it. In the future, I would just go to them first.

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Response from Achieve Personal Loans

Hi Yekaterina, it is wonderful to hear that the application process was simple and convenient! Rest assured our goal is to make this process seamless for our members and we will continue to do so!

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Loan ProcessRates

Reviewed 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.

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Response from Achieve Personal Loans

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.

Verified purchase
Customer ServicePunctuality & SpeedStaffLoan ProcessRates

Reviewed 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.

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Response from Achieve Personal Loans

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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Customer ServiceLoan ProcessRates

Reviewed 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.

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Response from Achieve Personal Loans

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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Customer ServiceLoan ProcessTransparency

Reviewed 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.

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Response from Achieve Personal Loans

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

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Achieve Personal Loans Company Information

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