March 30, 2023
Achieve Personal Loans Review

Achieve Personal Loans Review

Achieve offers unsecured personal loans, including debt consolidation loans. Loans can be used for a variety of purposes, including:

If you’re ready to apply for an Achieve personal loan, begin the preapproval process by clicking “get started” on the lender’s website. You can check your odds of approval without hurting your credit.

If you qualify and you like your terms, complete the online application with the help of a loan consultant. Borrowers can apply on their own or with co-borrowers but not with co-signers.

The lender says it can approve applications the same day you submit and fund the loan within 24 to 72 hours.

APRs are 7.99% to 29.99%, but Achieve offers qualified applicants rate discounts for:

  • Adding a co-borrower. A rate reduction may be available by applying for the personal loan with a co-borrower who has sufficient income.
  • Paying off debt. Using at least 85% of loan proceeds to pay off qualifying debt could help borrowers reduce rates.
  • Having retirement savings. Applicants could qualify for the lowest available rate with proof of sufficient retirement funds.
  • Opting into direct pay: If you let Achieve directly pay your creditors when consolidating debt, you could get a discount.

The minimum credit score to qualify for a Achieve personal loan is 620, which falls in FICO’s fair range.

Apply online and then speak with a loan consultant about eligibility. Keep in mind that the lender does not allow co-signers, which can help borrowers get approved, but does permit co-borrowers – and offers rate discounts for adding them to loan applications.

Achieve requires a 620 credit score for personal loans.

Achieve is headquartered in San Mateo, California, but it serves states across the country.

Achieve has an A+ rating with the Better Business Bureau. TrustPilot rates Achieve 5 out of 5 stars from over 4,000 reviews.

You can call Achieve at 800-368-0061.

Borrowers are encouraged to make payments and manage account information online.

Personal Loan Finder

Select your desired loan amount and loan purpose, your credit score range, and your state to see estimated annual percentage rates and loan terms.

  • Borrowers who want personal loans of at least $5,000.
  • Co-borrowers who can take advantage of the lender’s rate discount.
  • Consumers who need to consolidate debt.

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