Frequently Asked Questions
Answers to common questions around personal loans.
What you should know
What are unsecured personal loans?
Unsecured personal loans allow you to borrow funds without having to put up any collateral, such as a car or certificate of deposit. You can use personal loans for a variety of purposes, including debt consolidation and major purchases.
What is a personal loan through Achieve?
It’s a low fixed-rate loan with amounts from $5,000 up to $50,000 and flexible terms of 2 to 5 years.* A fixed rate means your monthly payments won't change. That makes budgeting for payments simple and predictable over the life of your loan.
You may also be eligible for rate discounts for adding a qualified co-applicant, showing proof of eligible retirement savings, and setting up direct pay to creditors when consolidating debt.**
What are the benefits of a personal loan through Achieve?
Achieve Personal Loans offers low fixed-rate loans that you can use to consolidate your unsecured debt or fund a major expense. You can pick from 2, 3, 4, or 5-year terms and loan amounts from $5,000 to $50,000.*
Throughout the entire process, from application to funding, you can work with the same dedicated Achieve Loan Consultant to create your customized loan solution. You can depend on them to answer any questions, review your current financial status, and help map out a brighter financial future. You can also choose to work through the application process digitally, through email and through their comprehensive Member Dashboard.
Unlike other lenders, Achieve Personal Loans offers interest rate discounts:**
Qualified 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 or TSP (Thrift Savings Plan).
Direct pay discount: Allow Achieve Personal Loans to use your loan funds to directly pay your creditors when consolidating debt.
How do I apply for a personal loan?
Applying for our personal loan is fast, free, and easy. With our online application, you can simply input your desired loan amount, state of residence, and contact information. If pre-approved, you can choose to work through the remaining application process by email, or request to be contacted by an Achieve Loan Consultant.
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