Achieve personal loans

Multiple rate discounts and large loan limits make Achieve an ideal choice for consolidating debt with fair credit.

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Est. APR	8.99 - 29.99%
Term	24 mo
Monthly payment	$760

Loan details

Fixed-rate loans from $5,000 to $50,000. APRs from 8.99% to 29.99%
Interest rate discounts possible with a co-borrower, direct payment of creditors, or sufficient retirement assets*
Loan terms of 2, 3, 4, or 5 years
If approved, funds sent within 24-72* hours. Loan consultants available via phone at (888) 494-6066.

Est. APR	8.99 - 29.99%
Term	36 mo
Monthly payment	$554

Loan details

Fixed-rate loans from $5,000 to $50,000. APRs from 8.99% to 29.99%
Interest rate discounts possible with a co-borrower, direct payment of creditors, or sufficient retirement assets*
Loan terms of 2, 3, 4, or 5 years
If approved, funds sent within 24-72* hours. Loan consultants available via phone at (888) 494-6066.

Est. APR	8.99 - 29.99%
Term	60 mo
Monthly payment	$393

Loan details

Fixed-rate loans from $5,000 to $50,000. APRs from 8.99% to 29.99%
Interest rate discounts possible with a co-borrower, direct payment of creditors, or sufficient retirement assets*
Loan terms of 2, 3, 4, or 5 years
If approved, funds sent within 24-72* hours. Loan consultants available via phone at (888) 494-6066.

Est. APR	8.99 - 29.99%
Term	48 mo
Monthly payment	$452

Loan details

Fixed-rate loans from $5,000 to $50,000. APRs from 8.99% to 29.99%
Interest rate discounts possible with a co-borrower, direct payment of creditors, or sufficient retirement assets*
Loan terms of 2, 3, 4, or 5 years
If approved, funds sent within 24-72* hours. Loan consultants available via phone at (888) 494-6066.

*Personal loans available through Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 29.99% and include applicable origination fees that vary from 1.99% to 8.99%. Repayment periods range from 24 to 60 months. Example loan: four-year, $20,000 loan with an origination fee of 8.99%, a rate of 15.49%, and corresponding APR of 20.77%, would have an estimated monthly payment of $561.60 and a total cost of $26,966.26. 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. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time.

Not all applicants will qualify for interest rate savings or receive the maximum savings percentage. Average interest savings for personal loans range from 0% to 4% based on closed loans that qualified for one or more of our rate savings in 2024. Offered interest rate savings are not guaranteed, will vary based on several factors, and are subject to credit approval and other conditions. 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; and/or showing proof of qualifying retirement savings, could help some customers qualify for lower rates. To be considered for any savings option, customers must apply for and submit a new Achieve personal loan application, meet one or up to all three of the savings options, and meet our underwriting criteria. Any savings will be reflected in the offer and will fall within our standard range of rates. Applicants with excellent credit who qualify for the lowest rate may not be eligible for additional interest rate savings. Advertised savings rates are subject to change without notice. Funding time periods are estimates and can vary for each loan request.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

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