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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.

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

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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    Page 2 Reviews 5 - 35
    Verified purchase
    Customer ServiceSales & MarketingPunctuality & SpeedMaintenanceRatesHonesty & Transparency

    Reviewed Feb. 9, 2026

    My experience with Achieve has been good. The application process was smooth and fast. I started off online, and then I received a phone call. I worked with Kyle and he was very nice and honest. Because people get scammed a lot. I had to be sure, because I was already scammed, that I was talking to somebody legitimate. Then he gave me his number. He said, "I'm going on a break. But within 20 minutes, I'm gonna reach back out to you," and he did. The interest rate is low, too and I wish it were offered to more people who don't have a union behind them. Because I have a nephew who's going through financial hardship right now. He can't get it because he is an entrepreneur.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Hi, thank you for sharing your experience with us. We're pleased to hear that the application process through Achieve was smooth and efficient. It's wonderful to know that Kyle provided you with reassurance and professionalism that you needed. We appreciate your feedback and take your suggestion about offering more accessible rates seriously. We're continuously looking for ways to enhance our offerings and hope to better serve entrepreneurs like your nephew in the future. Thanks again for choosing Achieve, and please feel free to reach out if you have any further comments or concerns.

    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed Jan. 15, 2026

    I wanted my son to be a co-borrower on a loan so that it could help build his credit. Achieve was willing to do it where others weren't. The process with them was quick, and the gentleman that I spoke to was very helpful and friendly. He got us through it. We sent in our IDs, and he got us the documents to sign. It was Docusigned which is standard nowadays and I got the money two to three days later. It was great.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing such positive feedback! We're thrilled to hear that the co-borrowing option with Achieve Personal Loans worked perfectly for you and your son. It's excellent to know that our lending process and the support from our representative met your expectations. Making experiences smooth and helpful is our goal, and we're glad that both the quick processing and ease of document uploads contributed to your satisfaction. We greatly appreciate your recommendation to friends and family and look forward to supporting more straightforward and easy loan processes.

    Verified purchase
    Customer ServicePriceStaffRates

    Reviewed Jan. 15, 2026

    I got a personal loan from Achieve online and the application process was easy. The annual percentage rate was too high but when I dealt with customer service, the people were very nice.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for your feedback! We're thrilled to know the application process was easy for you and appreciate your praise for our customer service team. While we acknowledge your thoughts on the interest rate, it's great to hear that the overall quality of our service made it a positive experience. Your comments are valuable, and they help us continuously improve. If there's anything more we can assist you with in the future, please don't hesitate to reach out.

    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed Jan. 14, 2026

    I had a wonderful experience with Achieve. It was very efficient. The application process was very easy and the people I talked to, Grant and Debbie, were great.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you so much for taking the time to share your experience! We're thrilled to hear that the application process was easy and efficient for you. It's wonderful to know that Grant and Debbie were able to provide helpful and excellent service that made your experience stand out. We're dedicated to ensuring a fast and reliable service for our customers, and your feedback confirms that we're on the right track. If there's anything else we can do for you, please let us know.

    Verified purchase
    Customer ServiceBilling

    Reviewed Jan. 11, 2026

    I've had an account with you for years and December 2025 I found myself very short of funds. Because of the shutdown and having to buy fuel for heating our bank account was down to about 450.00 and we needed more fuel. I called to ask for an extension on Dec's payment. Your customer service lady reassured me it would be available and then set me up to skip Dec's payment. I was very happy.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your experience with us! We're delighted to hear that our customer service was able to assist you in such a positive and reassuring way when you needed an option to skip December's payment. It's great that you felt happy with the support and solution provided. Should you have any further questions or require additional assistance in the future, please don't hesitate to reach out. We appreciate your continued trust in us over the years.

    Verified purchase
    StaffLoan Process

    Reviewed Jan. 10, 2026

    The application process with Achieve Personal Loans was very easy and took no more than two days to complete. It was excellent dealing with the rep. Although I wasn’t aware of the app, I was able to use the dashboard.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your wonderful experience with Achieve Personal Loans! We're delighted to hear that the application process was exceptionally simple and quick for you. It's great to know that our specialists were friendly and helpful, ensuring a smooth journey from start to finish. We appreciate your kind words and are thrilled to see our dashboard met your needs for convenience without any extra hassle. We aim to make your experience as convenient as possible, so your feedback is invaluable to us.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingLoan ProcessRates

    Reviewed Jan. 8, 2026

    Excellent service. Agent was very professional and courteous. She took us step by step on how to achieve our loan. Very satisfied. Would recommend Achieve to anyone in need of consolidating your credit card debt. They have reasonable interest rates. And they are fast to respond if you get the loan or not. My wife and I are extremely satisfied.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your delightful experience with us. We're thrilled to hear that our agent provided you with professional and courteous service, expertly guiding you through the loan process. It's wonderful to know that our interest rates and prompt response times met your satisfaction. We truly appreciate your recommendation to others in similar situations! Your and your wife's satisfaction genuinely means a lot to us. If there's anything more we can do to enhance your experience, please don't hesitate to connect with us.

    Verified purchase
    Punctuality & SpeedLoan Process

    Reviewed Jan. 8, 2026

    I had a need, trusted the process and Achieved the goal. At first I thought it would’ve been an invasive and condescending process. To the contrary and for that, thank you. I would hope that you’d provide that hope to another family in need. The loan was paid off early and again, thank you. Thank you.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your positive feedback with us. It's heartening to know that our process exceeded your expectations and provided the support you hoped for in achieving your goal. We're delighted to hear that our service offered encouragement and allowed you to address your needs promptly and effectively. We strive to provide reliable and hopeful solutions, not only for you but for other families experiencing similar situations. It's fantastic that you were able to pay off your loan early. Your appreciation reinforces our mission, and we genuinely appreciate your trust in our service. Thank you once again.

    Verified purchase
    PricePunctuality & SpeedRefunds & PayoutsStaff

    Reviewed Jan. 7, 2026

    Very professional, courteous, and prompt. The representative was knowledgeable and understanding with your time. This is my second time dealing with this company I was also pleased the first time. I highly recommend Achieve to anyone looking for good financial services company. Achieve is slightly costly, but you get what you pay for. I have recommended Achieve to my family as well as my friends. Top-notch company.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for your glowing review and for choosing Achieve again. We’re thrilled to hear that our team provided you with knowledgeable, professional, and courteous service. Your high recommendation is invaluable to us, and we’re pleased that you see the value in our services, even considering the cost. It's greatly appreciated that you've recommended Achieve to your friends and family. Providing top-notch service is what we aim for, and we’re glad we could meet and even exceed your expectations. Thank you once more for your trust and support; we're always here to assist you with your financial journey.

    Verified purchase
    Staff

    Reviewed Jan. 7, 2026

    I tried contacting Achieve in December 2025, with a personal request. I was unable to locate an office that could find my account. I've been with you all for years. This was very frustrating to me! It was a busy time of year, and this did not help the situation.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for reaching out to us with your concern. We understand the frustration you experienced trying to locate someone who could assist with your account. We sincerely apologize for the inconvenience this has caused, especially during such a busy time of year. Your long-term relationship with us is very important, and we want to resolve this issue for you. Please contact us at (800) 368-0061.

    Verified purchase
    Customer ServiceStaffBillingLoan ProcessRates

    Reviewed Dec. 31, 2025

    I was dealing with high-interest debt, and my girlfriend suggested giving Achieve Personal Loans a shot. I called and spoke with a helpful representative who guided me through the setup process. I got a personal loan with an annual percentage rate of 6%. I was paying almost 29% so theirs is significantly better. The application process was quick and took about 30 minutes to an hour, but some of that could have just been me asking questions as well. Everyone I talked to were super nice and payments were all set up. I had an awesome experience and would recommend Achieve.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your terrific experience! We're thrilled to know that we could provide you with an interest rate significantly lower than your previous rate, leading to more favorable terms. It’s equally wonderful to hear that you found the application process straightforward and our team was supportive and friendly throughout. Your recommendation means a lot to us, and we'll continue working to deliver seamless and efficient service. Please feel free to reach out if there's anything further we can assist you with.

    Verified purchase
    Customer ServiceLoan ProcessRatesTimeliness

    Reviewed Dec. 18, 2025

    I called Achieve as I saw they had a very good rate for a personal loan. It was better than anything I was offered by anybody else by a lot. The process was fairly straightforward. They went and asked for the information and provided the documentation. I had to send an email with my document and they were able to close the loan within that same day.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your excellent experience with Achieve! We’re thrilled to hear that you were able to secure a highly competitive rate for your personal loan, and that our process was straightforward and quick. Your feedback reinforces our commitment to providing efficient service, and we appreciate you letting us know about your smooth and fast closing experience. We aim to continue offering competitive rates and seamless service, and hope we'll have the pleasure of assisting you again in the future.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Dec. 17, 2025

    The turnaround time at Achieve Personal Loans was fast. I put an interest into a website, and then they gave me a phone call. I did everything pretty much over the phone. The person who helped walk me through was very professional and patient, and the annual percentage rate and terms I received were better than the previous offers.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for taking the time to leave such a positive review! We’re thrilled to hear that handling everything over the phone was a convenient experience for you and that the process with Achieve was impressively fast. It's also pleasing to hear the representative you worked with provided professional and patient guidance, ensuring a smooth process. Our commitment to offering competitive rates is something we take pride in, and we're delighted to know that this stood out to you. We highly appreciate your recommendation and look forward to assisting you or anyone else you may refer in the

    Customer ServicePunctuality & SpeedStaffLoan ProcessTimelinessHonesty & Transparency

    Reviewed Dec. 17, 2025

    I wasn’t impressed with the company’s response time at all. In addition, the loan specialist Jeremiah was shady, slick, sarcastic, and dishonest. He gave me different information each time I spoke with him and very slow response times, stating he was too busy! Really didn’t trust him! No thank you!

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    Verified purchase
    Customer ServiceStaffLoan ProcessRates

    Reviewed Dec. 6, 2025

    I heard about Achieve Personal Loans through LendingTree and decided on them because the rate sounded good. The loan was for a home improvement project. I’m building a garage and I was happy with the annual percentage rate and the terms.

    The application process was easy. A gentleman on the phone walked me through everything, and the whole process took about an hour. The specialist I worked with was knowledgeable and very helpful.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your positive experience with Achieve Personal Loans! We're thrilled to hear that the rate and terms we offered for your home improvement project were appealing. It's wonderful that you found the application process straightforward and our team both knowledgeable and supportive during your interactions. Your satisfaction and ease in getting your loan are our top priorities, and we're pleased we could meet your expectations from start to finish. If you have any more projects planned in the future or need assistance, we’re here to help!

    Verified purchase
    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed Dec. 5, 2025

    My experience with Achieve Personal Loans was great! Ryan S., who was very patient and helpful, handled the loan process. Also, I only had to wait a short time to hear back on my loan approval. The cherry on top was that the interest rate is very reasonable. I would recommend them to my friends and family.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your wonderful experience with Achieve Personal Loans! We're thrilled to hear that Ryan S. provided you with exceptional service and that you found the loan process both quick and satisfactory. We're glad the reasonable interest rate met your expectations. Your recommendation means a lot to us, and we’re delighted you would choose us to support your friends and family as well. If there's anything else we can assist you with, please let us know!

    Verified purchase
    StaffBillingLoan Process

    Reviewed Dec. 5, 2025

    I was out of work due to an injury. Achieve Loans was able to consolidate my bills down to one payment. It was just what I needed at the time. I would absolutely recommend Achieve Loans to anyone who needs to consolidate their bills. Thank you for helping me navigate my finances through this challenging time.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for taking the time to share your experience with Achieve Loans. We're incredibly pleased to hear that we could assist you in consolidating your bills and provide the support you needed during your challenging time. It's rewarding to know that our services met your expectations, and we greatly appreciate your trust in recommending us to others in need of financial solutions. Don't hesitate to reach out if there are any additional ways we can support you.

    Verified purchase
    Customer ServiceStaff

    Reviewed Dec. 5, 2025

    Great customer service and everyone has treated me like a family member, making sure it isn't going to financially hurt me. Everyone has been a blessing to talk to and truly cares. When I am completely paid off, Achieve will be a big reason for it. Thank you so much!

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for your heartfelt feedback! We're thrilled to know that you feel like a part of the family with us. Providing caring and supportive service is our top priority, and we're glad we've been able to make your journey a positive one. It's truly rewarding to hear that our efforts are contributing to your financial success. If you need further assistance or have any questions, don't hesitate to reach out. Thank you for trusting us, and we're here for you every step of the way!

    Verified purchase
    Customer ServiceStaff

    Reviewed Dec. 5, 2025

    Such great customer service. They were so knowledgeable and caring. They were so helpful and there when I needed it. I would highly recommend Achieve to anyone. This was an easy experience. They made me feel confident. I am so happy with my whole experience. I will gladly recommend achieving to my friends and family.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your wonderful experience with us! We're thrilled to hear that you found our customer service knowledgeable and caring. It's fantastic to know that we could make your experience smooth and filled you with confidence. We truly appreciate your recommendation to others and your intention to share your positive experience with friends and family. If there's anything else you need, we're here to help!

    Verified purchase
    Customer ServicePricePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Nov. 20, 2025

    I was looking for a debt relief, and found Achieve. Their annual percentage rate was a little high, but I didn't have much choice. But the application process was easy and the reps were very nice.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your thoughtful feedback. We are delighted to hear that the loan application process was straightforward and that our loan specialist could provide a positive experience for you. While we acknowledge your thoughts on the higher interest rate, we're glad that our service met your needs effectively. Your comments are valuable to us and help us enhance our offerings. If there is anything more we can do to support you, please feel free to reach out. Thank you for choosing Achieve Personal Loans!

    Verified purchase
    Customer ServiceStaffBillingLoan ProcessRates

    Reviewed Nov. 19, 2025

    The process at Achieve was smooth. The rep explained what I needed to do and what I needed to get. It worked out pretty well. During the process, I had the rep’s direct number if I had questions and I also signed up to the portal so I have an account there. If others need a debt consolidation loan, they should highly consider Achieve.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your experience with Achieve Personal Loans. We're delighted to hear that you found the process to be smooth and straightforward, and that our representative could offer you clear guidance. It's wonderful that our user-friendly portal and direct contact options contributed to your positive experience. We note your thoughts on the interest rates and greatly appreciate your feedback. We strive to provide competitive terms and your input is valuable as we work to enhance our services. Thank you for wholeheartedly recommending Achieve for debt consolidation purposes. We're here to assist you whenever and if any further support is needed.

    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppStaffEase of UseLoan ProcessRates

    Reviewed Nov. 19, 2025

    I got a personal loan from Achieve and working with their reps was very good. They had quick response and they seemed to be knowledgeable in the different options that I could choose from. I was very happy. People should give them a try.

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    Verified purchase
    Sales & MarketingStaffLoan Process

    Reviewed Nov. 19, 2025

    Achieve was really easy to work with. The rep who helped me was awesome. He was very clear and he didn't make it complicated. He gave me my options and allowed me to make a good informed decision. The application process was a piece of cake. I was happy with my experience.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your fantastic experience with Achieve Personal Loans! We are delighted to hear that our representative provided such clear and straightforward options that helped you make an informed decision. It's wonderful to know that the application process went smoothly and met your expectations. Your recommendation means a lot to us, and we're thrilled to be a part of such a positive experience for you. If you inspire any future needs or have additional questions, feel free to visit us again. Thank you for choosing Achieve Personal Loans!

    Customer ServiceLoan Process

    Reviewed Nov. 18, 2025

    I received a letter from Achieve Personal Loans, with my name and current address. When I opened the letter to find the phone number to call, OF COURSE, an individual whose 2nd language was English answered the call. They wanted to "verify" that I was who I said I was, which, ironically, was what I was attempting to do with them..... I *never* applied for a loan from this company..... and when a "business letter" shows one address in the main letter (Phoenix, AZ) and another in the body of the letter (in New Jersey, another "shifty" state) - If that's not a "red flag", I don't know what is!!!!

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    Verified purchase
    StaffLoan Process

    Reviewed Nov. 6, 2025

    This is my second loan with Achieve and both times have been a very good experience. Gerardo was especially helpful. I talked to him a few times and he always answered my questions right away. In fact I just referred one of my friends to Achieve. We will be calling tomorrow to set up the loan.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for choosing Achieve for your second loan, and for taking the time to share your wonderful experience with us! We're thrilled to hear that Gerardo was of great assistance, and promptly addressed your questions. We will make sure to pass along your kind words to him. We're also delighted to learn you've referred a friend to Achieve—it truly means a lot to us. Should there be anything more you need, please don't hesitate to reach out. All the best to you and your friend with the loan setup!

    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingRates

    Reviewed Oct. 30, 2025

    We were looking to do some consolidation, and my wife was referred to Achieve by her friends. The application process took an hour and 30 minutes. The rep was very helpful and answered all my questions, even the follow up questions. The process was smooth and streamlined. It was a quick turnaround as far as the funds being paid to the debtors. We have made one payment so far, but it seemed like it was the right system for us. However, I wasn’t too happy with the interest rate.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your positive experience with us. We're thrilled to hear that the application process was straightforward and you were well-assisted day by our representatives, ensuring a smooth journey towards consolidating your debts. While we acknowledge your feedback regarding the interest rate, we're pleased you felt the overall experience was worthy of a recommendation. Your insights are invaluable and help maintain our high standard of service. We're here to assist you with any future questions or needs you may have. Thank you for choosing Achieve Personal Loans!

    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Oct. 30, 2025

    I made some inquiries online about different things, and Achieve was one of the first ones that called. They actually listened to what I had to say. I did a consolidation type loan. I talked with the guy, and we went through the whole thing. I was as happy as I could be about the rate. They sent me an online paper copy of what I had done. I looked at it to make sure it was everything that we had talked about, and I signed it. It was all done online and took about half an hour.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for choosing Achieve Personal Loans and for taking the time to share such a positive and detailed review! We're thrilled to hear that our team made a good impression by responding promptly and carefully understanding your needs. It’s great to know that you found the consolidation loan terms acceptable and appreciated the efficiency of our digital application process. We aim to make every interaction friendly and knowledgeable, and we're glad you noticed. Your recommendation means a lot to us, and we are here to assist whenever you need any further assistance.

    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed Oct. 21, 2025

    When I had to reach out to Achieve Personal Loans, I had to call because you have to do everything on the phone. A gentleman helped me through it because I’m 78 and not good with phones. He walked me through the process, and I had faith in him. He took his time, and we laughed a little bit, but got it done. Everything was fine, and I haven’t had a problem. They just took my first payment out last weekend. What I did was renew my loan, I've had them for about four years now.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for your kind words and for being a loyal customer over the past four years. We're thrilled to learn that your experience with our service continues to be excellent, particularly with the assistance from our team over the phone. It's wonderful to hear how the guided support helped make the process stress-free for you. Our team strives to ensure a light-hearted and smooth experience for all of our customers, especially those who might find certain aspects of technology challenging. We appreciate your feedback and look forward to serving you again in the future.

    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed Oct. 8, 2025

    I had the pleasure of dealing with Krystal **, I would highly recommend her to anybody needing a quick loan. She was very helpful and you can easily tell she has great knowledge and wants to help her customers out. She gave me a few different options which was great and we discussed the pros and cons of each. Very pleased!!

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for taking the time to share your positive experience with us. We're thrilled to hear that Krystal provided excellent service during your loan process and that her knowledge and assistance left a great impression. It's wonderful to know that she was able to present you with thoughtful options and guide you through the decision-making process. We appreciate your recommendation and look forward to serving you again in the future!

    Verified purchase
    Customer ServiceStaff

    Reviewed Oct. 7, 2025

    Achieve was very helpful and detailed about the whole process. Very easy process, and Grant was really easy to work with. He helped with any question I had. Even made extra calls trying to get things pushed through for me. Would definitely recommend them to anyone if they needed the help.

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    Achieve Personal Loans
    Response from Achieve Personal Loans

    Thank you for sharing your positive experience with Achieve! We're thrilled to hear that Grant was so helpful and thorough throughout the process. It's wonderful to know that he addressed all your questions and made extra efforts to ensure things went smoothly for you. We appreciate your recommendation and are glad we could assist you efficiently. Feel free to reach out if you need further support in the future.

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    Achieve Personal Loans Company Information

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