It’s been accredited with the BBB since 2021, and has been in business for nearly 20 years. It very recently went through a name change in November 2022, formally named FreedomPlus. Is Achieve legit?Īchieve is a legitimate lender. Negative reviews are far and few, but a handful of negative reviews report too many phone calls and/or emails during the application process. Other reviews reference transparent terms, fast turnaround times, and an easy, straightforward process. Most reviews cite fantastic customer service, with many specifically mentioning satisfaction with Achieve’ help in debt consolidation. The vast majority of customer reviews on Trustpilot and BBB are positive, with an impressive 5-star rating on Trustpilot and 4.8-star rating with BBB. See how Achieve compares to its competitors.Ħ80 Achieve reviews and complaints BBB accreditedĤ.8 out of 5 stars, based on 1,864 customer reviewsĥ out of 5 stars, based on 5,146 customer reviews Achieve states that borrowers have the option of choosing their payment due date, and there are no prepayment penalties. If you qualify and accept the loan, Achieve states funding times range from two to three days. Loan decisions are typically made within a few hours. This step requires a hard credit check, then reviewing the official loan offer. Enter the loan amount you want, select what you plan to use the money for, your state, and enter in personal details to see if you may qualify. Head to Achieve’ site to start the process. Minimum personal loan requirements include:Īchieve accepts credit scores as low as 620, but to qualify for the lowest rate of 7.99% APR, the lender states you’ll need excellent credit and get a loan amount of less than $12,000 for a two-year term.
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How to qualify for Achieve personal loans Same-day approval and funding within 48 to 72 hoursģ9 states, excluding CO, CT, HI, KS, NH, ND, The nitty-gritty of Achieve’s personal loans. While origination fees aren’t uncommon, there are lenders that don’t charge an origination fee at all, such as SoFi and LightStream. Achieve states on its own site that most of its customers pay the maximum origination fee, which is 6.99% of the loan amount. Most lenders - across most types of lending - offer a standard 0.25% rate discount for setting up autopay.Īdditionally, plan on paying an origination fee. While Achieve offers multiple discounts, there’s no autopay discount.
The most common reviews cite informative, helpful and patient customer service representatives. While under the name FreedomPlus, it has some of the best overall ratings we’ve seen from a lender, with over 1,864 reviews on BBB with a 4.8-star rating. Where Achieve really shines is its customer reviews. Upgrade’s personal loans cap out at 35.99%, and OneMain Financial maxes at 35.99%. APRs start at 7.99% and max at 35.99%, the max rate is lower than with similar competitors. What makes Achieve shineĪchieve has competitive rates, and accepts fair credit. Additionally, Achieve offers prequalification with a soft credit check, so you could try for prequalification to see potential rates without harming your credit. If you qualify for the highest discounts on both, you could get up to 10% shaved off your joint personal loan’s rate. There are other discounts as well, such as the debt consolidation discount which allows for up to 4% off your rate if Achieve sends at least 85% of the funds to your creditor(s). If you’re in need of a personal loan for debt consolidation and you have a coapplaint that’s along for the ride, Achieve may offer some deep rate discounts.Īchieve offers a joint loan rate discount up to 6% - pretty significant.
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