PERSONAL LOANS

Consolidate debt with a personal loan

How much do you want to borrow?1

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TrustScore 4.8 / 5

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loved by members

450,000+

members served2

A smart way to pay off debt

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Consolidate debt

$5k-$50k loan to pay off credit card debt and unsecured loans.

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Save money on interest

Pay $6k+ less in interest on average compared to high-interest credit cards.3

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Budget with a fixed rate

Manage your budget easily since your monthly payments are fixed.

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Simplify your life

Combine multiple debts into one affordable monthly payment.

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Customize your loan

Choose from flexible 2, 3, 4 or 5 year terms and your monthly payment date.

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Save with rate discounts

Reduce and save on your interest rate with 3 custom discounts available.4

PERSONALIZE YOUR LOAN

Save on interest with special rate discounts

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MEMBER STORY

Simplify debt, get in control of your life

“We were able to bring all these debts together into one...I saw three of my credit cards wiped to zero and we only had one payment, a lower APR. I thought it was magic.”

– Leah M.*, Achieve member

Total debt consolidated

$40,000

Loan term

5 years


Member since

2020

Helped with

Fertility treatments

*Actual member. Member’s endorsement is a paid testimonial. Individual results are not typical and will vary.

Personal loans designed with you in mind

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Fast and easy

Quick and simple application with same day decision.

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No surprise fees

We charge an origination fee. There are no surprise fees or prepayment penalties.

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Help that feels human

Get in touch with your own dedicated loan consultant on the phone or online.

Personal Loan Basics

How does an Achieve personal loan work?

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.

Applying for the right personal loan is free and fast. 

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    Apply online or with a Loan Consultant:

    With our online application, you can simply input your desired loan amount, state of residence, and contact information. If pre-approved, you can continue your application by email, or request to be contacted by an Achieve loan consultant who can help determine whether a personal loan is the right solution for you.

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    Personalize your terms & discounts:

    Customize your loan through term length options (2, 3, 4, or 5 years), flexible payment dates, 3 options for rate discounts to lower your APR, and more.

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    Get your loan decision:

    Get checked for approval and your same-day loan decision.

You can use it as a debt consolidation loan or use your loan for nearly any purpose, including; 

Use your loan for

Debt consolidation

Credit card refinance

Home repair

Medical emergencies & expenses

Unexpected expenses (funerals, auto repair, etc.)

Live your dreams

Major purchases (appliances, etc.)

Dream wedding

Home improvement

Elective medical treatments

Vacations, travel & more

Personal Loans FAQs

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 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, through email and through your comprehensive Member Dashboard.

Unique rate discounts: You could reduce your rate up to 5.5% through 3 Achieve interest rate discounts:

  • Co-borrower discount

  • Direct creditor payoff discount

  • Retirement savings discount

No hidden fees. No early prepayment fees. Achieve Personal Loans charges an origination fee from 1.99% to 6.99%.

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

Personal loans articles

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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 and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history. Loans are not available to residents of all states. Minimum loan amounts vary due to state specific legal restrictions. Loan amounts generally range from $5,000 to $50,000, vary by state and are offered based on meeting underwriting conditions and loan purpose. APRs range from 8.99 to 35.99% and include applicable origination fees that vary from 1.99% to 6.99%. The origination fee is deducted from the loan proceeds. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49% and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. 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. Funding time periods are estimates and can vary for each loan request. Same day decisions assume a completed application with all required supporting documentation submitted early enough on a day that our offices are open. Achieve Personal Loans hours are Monday-Friday 6am-8pm MST, and Saturday-Sunday 7am-4pm MST. $6,000 savings: Average savings claim 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.

  2. Statistics reflect the results of the members we and our affiliates have served since 2002 (as of Jun 2024).

  3. Average savings claims for personal loans are based on 2023 data for 2, 3, and 4-year terms on funded debt consolidation loans. Savings will vary based on several factors, subject to credit approval and other conditions. Any savings will be reflected in the offer.

  4. Average interest savings for personal loans range from 0% to 5.5% based on closed loans that qualified for one or more of our rate discounts in 2022. Offered discounts will vary based on several factors, subject to credit approval and other conditions. Any savings will be reflected in your offer.

  5. 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.

  6. Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Home loans 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 $150,000 and are assigned based on debt to income and loan to value. Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. Minimum 640 credit score applies to debt consolidation requests, minimum 670 applies to cash out requests. Other conditions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on credit worthiness, combined loan to value, lien position and automatic payment enrollment (autopay enrollment is not a condition of loan approval). 10 and 15 year terms available. Both terms have a 5 year 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 generally include origination (2.5% of line amount minus fees) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan to value may not exceed 80%, including the new loan request. Property insurance is required as a condition of the loan and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral and could lose your home if you fail to repay. 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 2.50%, 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.

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