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

Trustpilot rating

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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

View all personal loans articles

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

  • 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 or Pathward®, N.A., Equal Housing Lenders 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. 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 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.

    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.

    **Adding a co-borrower with sufficient income; using at least fifty percent (50%) of the loan proceeds to pay off qualifying existing debt directly; or showing proof of sufficient retirement savings, could help you also qualify for a rate discount. 

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