Get a low, fixed rate personal loan – fast

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.

Customized loans and flexible terms: Achieve Personal Loans offers low fixed-rate loans that you can use to consolidate your unsecured debt or fund a major expense. You can personalize your loan with from 2, 3, 4, or 5-year terms and choose loan amounts from $5,000 to $50,000.

Free loan consultation: 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.

Unique rate discounts: Members have reduced their rate by up to 4% through 3 Achieve interest rate savings:
Co-borrower savings
Direct creditor payoff savings
Retirement savings savings

No hidden fees. No early prepayment fees. Achieve Personal Loans charges an origination fee from 1.99% to 8.99%.

First, complete the application process to get pre-qualified with no impact to your credit score. Then, once you decide you’d like to move forward with your application, we will run a hard credit pull and request more details around your financial situation to determine whether a personal loan is right for you, including:

• Proof of income

• Social Security number

• Proof of identity

• Employment status

The minimum credit score to qualify for a personal loan is 640. We know that you’re more than your credit score. That’s why we take a holistic approach in looking at your debt, income, and needs. Our aim is to find a loan amount, rate, and monthly payment that saves you money.

We offer flexible 2-year, 3-year, 4-year, or 5-year terms.

Achieve Personal Loans offers three types of savings to potentially lower your APR and save on your monthly payment:
Co-borrower savings: Add a qualified co-borrower to your loan application.
Direct pay discount: Allow Achieve Personal Loans to use your debt consolidation loan funds to directly pay your creditors when consolidating debt.
Retirement asset discount: Show proof of sufficient retirement funds in a 401(k), IRA, Roth IRA, TSP (thrift savings plan).

Annual Percentage Rates for Achieve personal loans range from 8.99% to 29.99%. You could reduce this rate with up to 3 personalized interest rate discounts.

No—quite the opposite. Your credit score is more likely to go up.

Pre-approval for our personal loan involves a “soft credit pull,” which the credit reporting agencies won’t factor at all in your credit score.

The actual application for our personal loan involves a “hard credit pull,” which may slightly affect your score. But any negative credit impact—usually minimal—could be offset if you use your new funds to pay off high-interest credit cards and you make on-time payments. This could lower your credit utilization and debt-to-income ratios, key factors in improving your credit profile.

Yes, Achieve Personal Loans has worked with over 450,000 members and helped fund over $8 billion of loans since 2008—and we’re more dedicated than ever to help people finance their futures.

Achieve Personal Loans (formerly “FreedomPlus”) is a safe and secure online lender with positive online reviews. The Better Business Bureau (BBB) has given us an A+ rating, and our members have given us 4.8 out of 5 stars on Trustpilot.