Achieve review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Personal loans run at 6.25% to 35.99% for fixed-term borrowing of $5,000 to $50,000, but the hard credit check is the price of admission. The size of that cheapest tier, against a market median of 12%, puts Achieve among the more selective lenders here.

Key facts

Best for
Borrowers with a decent credit file who want a fixed rate and a straightforward fee.
APR
6.25% to 35.99% (Source, checked September 26, 2026)
Loan amount
$5,000 to $50,000 (Source, checked September 26, 2026)
Term
24 to 60 months (Source, checked September 26, 2026)
Arrangement fee
1.99% to 9.99% (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
24-72 hours after approval (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
At least 18 years old, US residents, minimum credit score 560 (660 for debt consolidation loans of $35k or more) (Source, checked September 26, 2026)
Origination fee (%)
1.99% to 9.99% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2002 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
achieve.com

Mortgages

Initial rate
5.75% (Source, checked September 26, 2026)
APRC
5.75% to 15.17% (Source, checked September 26, 2026)
Fixed period
10 to 30 years (Source, checked September 26, 2026)
Maximum loan to value
80% to 85% (Source, checked September 26, 2026)
Purpose
Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2002 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataWikipediaTrustpilotbbb.org

Pros and cons

Pros

  • Fixed-rate personal loans at 6.25% to 35.99% over terms of 24 to 60
  • Personal and debt-consolidation lending (personal and debt consolidation) with free early repayment
  • A direct lender (direct lender), so no broker sits between you and the rate
  • Funding lands 24-72 hours after approval, with same-day funding listed among its features (same day funding)

Cons

  • The hard credit check makes fair credit (fair) the entry point
  • Origination fees of 1.99% to 9.99% are added on top of 6.25% to 35.99%
  • Same-day funding is listed, yet money reaches you 24-72 hours after approval
Achieve

Ready to try Achieve?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • US residents with fair credit or better who want a fixed rate they can see upfront
  • Anyone consolidating several balances into 24 to 60 of payments
  • Homeowners who want equity released at 5.75% rather than unsecured borrowing

Who should look elsewhere

  • Borrowers with thin files, since the hard check rules on your credit history
  • Anyone chasing the lowest rate, as 6.25% to 35.99% starts well above 12%
  • Borrowers who need cash the same day, because funding takes 24-72 hours after approval

The company behind it

Achieve is a US lender founded in 2002 and headquartered in the United States. It lends direct rather than acting as a broker (direct lender), and it covers personal and debt-consolidation loans (personal and debt consolidation) alongside home-equity borrowing. Support runs on phone and email only, so questions about an application are handled by phone or email rather than through in-app chat.

How Achieve compares

Where Achieve is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Achieve?+

Personal loans run from $5,000 to $50,000, which rules out smaller top-ups. The range covers both its personal loans and its debt-consolidation product (personal and debt consolidation), so a larger balance refinance and an ordinary purpose sit in the same band. Home-equity borrowing is a separate product with its own limits.

What rate will I pay on a personal loan?+

Achieve offers fixed rates of 6.25% to 35.99% across terms of 24 to 60, and the rate type stays fixed (fixed). Because the rate is fixed, the repayment you sign up for is the repayment you keep, with no repricing later. The market median across the site sits at 12%.

What fees does Achieve charge?+

There is an origination fee of 1.99% to 9.99%, charged on the personal loan product. It is a percentage, so a larger balance carries a larger fee, and it sits on top of whatever rate you are offered. Earlier repayment carries no extra charge.

Can I repay a loan early without penalty?+

Early repayment is free, so clearing a balance ahead of schedule costs nothing extra. That makes it easier to cut a consolidation loan short once the other balances are gone. The rate itself stays fixed (fixed) for the life of the agreement.

What credit score do I need?+

The stated bar is fair credit, so the hard credit check is the real gate rather than the advertised minimum. A hard search will also show on your credit file, and debt-consolidation borrowing carries a higher score bar than ordinary personal loans.

How long does it take to get the money?+

Funding lands 24-72 hours after approval, and that is the figure to plan around rather than the same-day feature (same day funding) listed elsewhere. The hard check happens before approval, so the clock starts once a decision is in place, not on the day you apply.

Can I borrow against my home?+

Yes, on the home-equity loan, where the initial rate is 5.75% and the loan can run 10 to 30. Borrowing is capped by the maximum loan to value of 80% to 85%, and home improvement is the stated use case (home improvement). This sits alongside, not instead of, the unsecured personal loan.

Sources

  • achieve.com checked September 26, 2026

    Backs: Founded, Headquarters, Rate type, Use cases

    “Since 2002, companies within the Achieve family have served more than 2 million members, resolved over $20 billion in debt, and originated more than $14 billion in loans.”

  • achieve.com/get-started/loans/452/eligibility checked September 26, 2026

    Backs: Features

    “Get funds sent in as little as 24 hours”

  • achieve.com/heloc checked September 26, 2026

    Backs: APRC, Fixed period, Purpose

    “Our our current heloc loan rates range from 5.75% - 15.17% depending our you credit and other qualifications.”

  • achieve.com/home-equity-loan checked September 26, 2026

    Backs: Initial rate

    “APRs from 5.75% up to 15.17%. Fixed Rate APRs.”

  • achieve.com/learn/home-equity-loans/home-equity-loan-requ... checked September 26, 2026

    Backs: Maximum loan to value

    “It's more common for lenders to limit your total debt to around 80% to 85% of the current market value.”

  • achieve.com/personal-loans checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Term

    “Achieve Personal Loans ... choose loan amounts from $5,000 to $50,000”

  • achieve.com/policies checked September 26, 2026

    Backs: Eligibility, Support channels

    “You may use the Service only if you are at least 18 years of age ... The minimum credit score to qualify for a personal loan is 560”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Achieve

Achieve

Borrowers with a decent credit file who want a fixed rate and a straightforward fee.

9.1/10See alternatives

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