Consolidate debt with a personal loan

How much do you want to borrow?1



TrustScore 4.8 | 5

Personal Loan - Top 3 - External - Q1.png

loved by members


members served2

A smart way to pay off debt


Consolidate debt

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


Save money on interest

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


Budget with a fixed rate

Manage your budget easily since your monthly payments are fixed.


Simplify your life

Combine multiple debts into one affordable monthly payment.


Customize your loan

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


Save with rate discounts

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


Save on interest with special rate discounts

Offer Card 1 - pl.png
Offer Card 2 - pl.png
Offer Card 3 - pl.png


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


Loan term

5 years

Member since


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

Frame 427318845.svg

Fast and easy

Quick and simple application with same day decision.

Frame 427318845.svg

No surprise fees

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

Frame 427318845.svg

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. 

  • appy.png

    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.

  • loan.png

    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.

  • pay off debt.png

    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

Explore your options

Pay debt easily with other debt solutions

PicotgramA_Debt Resolution.svg


Reduce what you owe5

  • Resolve $7,500-$100,000+ in debt

  • Pay down debt in 2-4 years

  • Loan alternative to reduce debt

  • PicotgramA_Home Loans.svg


    Pay debt with equity6

  • $15,000-$150,000 fixed-rate loans

  • Flexible 10 or 15-year terms

  • Guaranteed savings for debt

  • PicotgramA_Calculator.svg


    Explore your best solution

  • Find a solution to fit your budget

  • Pay down debt in 2-15 years

  • Resolve or pay debt on your terms

  • Personal loans articles

    Made for you by Achieve badge