Achieve review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Achieve suits US adults with fair credit who want a fixed rate personal or debt consolidation loan and can clear a hard credit check. Personal loans run $5,000 to $50,000 at 6.25% to 35.99%, with an origination fee of 1.99% to 9.99%, and funds land 24-72 hours after approval.
Key facts
- Best for
- US borrowers with fair credit consolidating debt or covering a mid sized cost.
- APR
- 6.25% to 35.99%↗
- Loan amount
- $5,000 to $50,000↗
- Term
- 24 to 60 months↗
- Arrangement fee
- 1.99% to 9.99%↗
- Credit check
- Hard↗
- Funding time
- 24-72 hours after approval↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- At least 18 years old, US residents, minimum credit score 560 (660 for debt consolidation loans of $35k or more)↗
- Origination fee (%)
- 1.99% to 9.99%↗
- Loan types
- Personal, Debt-consolidation↗
- Credit needed
- Fair↗
- Use cases
- Home-improvement↗
- Headquarters
- United States↗
- Founded
- 2002↗
- Support channels
- Phone, Email↗
- Pricing model
- Fixed rate
- Features
- Same-day funding
- Official website
- achieve.com
Mortgages
- Initial rate
- 5.75%↗
- APRC
- 5.75% to 15.17%↗
- Fixed period
- 10 to 30 years↗
- Maximum loan to value
- 80% to 85%↗
- Purpose
- Home-equity↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Elsewhere
- WikidataWikipediaTrustpilotbbb.org
Pros and cons
Pros
- Free early repayment means you can settle a personal loan early without charge
- Fixed rate personal loans keep the monthly payment predictable
- Hard credit checking, with same day funding listed among the features
- A direct lender, so you deal with one provider through the application
Cons
- An origination fee of 1.99% to 9.99% is added to a personal loan
- A hard credit check means a declined application leaves a mark on your file
- Support runs on phone and email only
Who it suits
- Adults in the US with a minimum credit score to qualify
- Anyone consolidating balances into one fixed rate personal loan
- Homeowners funding home improvement from a home equity loan
Who should look elsewhere
- Readers who want a variable rate deal instead of fixed rate lending
- Applicants with no credit history, given the hard credit check requirement
Who runs it
Achieve is a direct lender based in the US, founded in 2002. It offers fixed rate personal loans and a home equity loan for home improvement. Support is handled through phone and email, so help is by phone or email rather than through a branch network.
How Achieve compares
9.2 vs 9.0
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9.2 vs 8.7Its 10.74% to 18.06% range sits below the 6.25% to 35.99% charged here, though for a different market.
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9.2 vs 8.0- 9.2 vs 8.0
Where Achieve is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What interest rate will I pay on an Achieve personal loan?+
Personal loans carry an annual rate of 6.25% to 35.99%, set at a fixed rate rather than variable. The range is wide, so the rate you are offered depends on your credit profile and the amount you borrow.
What fees does Achieve charge?+
An origination fee of 1.99% to 9.99% applies to personal loans. There is no separate monthly fee listed for the accounts, and early repayment carries no charge.
How much can I borrow and for how long?+
Personal loans run $5,000 to $50,000 with a term of 24 to 60. Loan types cover personal borrowing and debt consolidation, so a balance can be folded into one repayment.
What credit check do I need?+
The credit check is hard, and the credit needed is fair. Applicants must be adults, US residents and hold a minimum credit score, with a higher score for large debt consolidation loans.
How quickly will I get my money?+
Funding is 24-72 hours after approval, and same day funding appears among the features for eligible borrowers. Speed of payment still depends on your bank's own processing time.
Is there a fee for paying a loan off early?+
No. Free early repayment is offered, so you can pay a personal loan back sooner than the agreed term without being charged for it.
Can I borrow against my home?+
Yes. A home equity loan is offered for home improvement, with an initial rate of 5.75% and an annual percentage rate of 5.75% to 15.17%. Borrowing runs 10 to 30 at a fixed rate, and the maximum loan to value is 80% to 85%.
How do I contact Achieve?+
Support is available through phone and email. There is no branch network listed, so questions about an application are handled by phone or email.
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
US borrowers with fair credit consolidating debt or covering a mid sized cost.