Personal Loans

A smart solution built for you

Find the right loan in a fast, simple, and stress-free way.

How much do you want to borrow?

$0

We've got the process down: 1

$7.5 billion+

Loans to members

450K+

Members we've served

4.8/5 stars

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Personal Loans

A smart solution built for you

How much do you want to borrow?

$0

We've got the process down: 1

$7.5 billion+

Loans to members

450K+

Members we've served

4.8/5 stars

Trustpilot rating

Find the right loan in a fast, simple, and stress-free way.

How to get the right loan for you

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Answer a few questions

A simple and fast application to get to know you. 1

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Choose your terms

Pick 2, 3, 4, or 5 years — and set your monthly payment date.

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Use your loan

Consolidate debt, renovate your home, or make a major purchase.

Our superpower? Being human.

Getting to know you is how we find the right solution for you.

Personal loans designed with you in mind

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Dedicated consultant

Our certified loan consultants can walk you through every step.

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Rate discounts

Multiple ways to personalize and lower your rate.

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A human touch

On the phone or online, a dedicated loan consultant will be here for you.

Personal Loans articles

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What you should know

It’s a low, fixed-rate loan between $5,000-$50,000, with loan terms of 2-5 years, so your monthly payments don’t change. There’s no hidden fees or prepayment penalty.

Using credit cards can be expensive. A personal loan can be a smarter way to consolidate debt or fund a major purchase.

Achieve Personal Loans offers three types of discounts:**

  • Co-borrower discount: Add a qualified  co-borrower to your loan application.

  • Retirement asset discount: Show proof of sufficient retirement funds in a 401(k),  IRA, Roth IRA, tsp (thrift savings plan).

  • Direct pay discount: Allow Achieve Personal Loans to use your loan funds to directly pay your creditors when consolidating debt.

EXPLORE YOUR OPTIONS

Pay debt fast with other debt solutions

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Debt Resolution

Reduce what you owe4

Resolve $7,500-$100,000+ in debt

Pay debt in 2-4 years on avg

Loan alternative to reduce debt

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Home equity loans

Pay debt with equity3

$15,000-$150,000 fixed-rate loans

Flexible 10 or 15-year terms

Guaranteed savings for debt consolidation

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Find your fit

Explore your best solution

Find a solution to fit your budget

Pay down debt in 2-5 years

Resolve or pay debt on your terms

Built around your life, your needs, your goals.

At Achieve, it’s not what we stand for, it’s who.

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Achieve is the leader in digital personal finance, built to help everyday people move forward on the path to a better financial future.

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  1. Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 29.99% and include applicable origination fees that vary from 1.99% to 8.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 8.99%, a rate of 15.49%, and corresponding APR of 20.77%, would have an estimated monthly payment of $561.60 and a total cost of $26,966.26. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; or showing proof of sufficient retirement savings, could help you also qualify for lower rates. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time. $6,000 savings: Average savings claims for personal loans are based on 2023 data for 2, 3, and 4-year terms on funded debt consolidation loans for $21,600. Savings will vary based on several factors, subject to credit approval and other conditions. Any savings will be reflected in the offer. Statistics reflect the results of the members we and our affiliates have served since 2002 (as of Jun 2024).

  2. Actual members. These member’s endorsements are paid testimonials and a result of entry into a sponsored contest.  Individual results are not typical and will vary.

  3. Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Loan funding time is dependent on full application and documentation submission, average funding time is 11 business days for 2025, including rescission. Monthly/yearly savings claim is based on average monthly debt savings from originated loans for Q4 2024. Monthly/yearly savings varies based on each loan situation and can be more or less than $800/$10,000. Requirements to obtain 6.74% APR include: debt to income ratio <=15%; cumulative loan to value <= 50%, including new request; loan amount between $15,000 and $150,000; term of 10 years; FICO of 800+; and automatic payment enrollment. Contact Achieve Loans for further details

    Affiliated Business Arrangement Disclosure: Achieve.com (NMLS #138464) and Achieve Loans are both wholly owned subsidiaries of Achieve Company. Because of this relationship, your referral to Achieve Loans may provide Achieve.com a financial or other benefit. Where permitted by applicable state law, Achieve Loans charges: 1) an origination fee of 3.50%, and 2) an underwriting fee of $725. You are NOT required to use Achieve Loans for a home equity line of credit. Please click here for the full Affiliated Business Arrangement disclosure form. Please click here for the full Affiliated Business Arrangement disclosure form.

  4. Resolution is available through our affiliate Achieve Resolution (NMLS ID # 1248929). All estimates for Achieve Resolution’s services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all Achieve Resolution clients are able to complete their program for various reasons, including their ability to save sufficient funds. Achieve Resolution does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Achieve Resolution does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Achieve Resolution’s services are not available in all states, including New Jersey, and their fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of Achieve Resolution services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Achieve Resolution obtained on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

**Not all applicants will qualify for interest rate savings or receive the maximum savings percentage. Average interest savings for personal loans range from 0% to 4% based on closed loans that qualified for one or more of our rate discounts in 2024. Offered interest rate savings are not guaranteed, will vary based on several factors, and are subject to credit approval and other conditions. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; and/or showing proof of qualifying retirement savings, could help some customers qualify for lower rates. To be considered for any savings option, customers must apply for and submit a new Achieve personal loan application, meet one or up to all three of the savings options, and meet our underwriting criteria. Any savings will be reflected in the offer and will fall within our standard range of rates. Applicants with excellent credit who qualify for the lowest rate may not be eligible for additional interest rate savings. Advertised savings rates are subject to change without notice. 

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