Achieve Personal Loan Review
Achieve pros and cons
Shopping for a personal loan can be overwhelming. Each company has its own benefits and drawbacks to consider — here are
Achieve requirements
How to get a personal loan with Achieve
How Achieve compares to other personal loan companies
Even if you believe
| Achieve | LendingPoint | Upgrade | |
|---|---|---|---|
| LendingTree’s rating | 3.8/5 | /5 | /5 |
| Minimum credit score | 660 | 580 | |
| APRs | 7.99% to 35.99% | 7.99% to 35.99% (with discounts) | |
| Loan amount | $1,000 – $36,500 | $1,000 – $50,000 | |
| Repayment terms | months | 24 to 72 months | 24 to 84 months |
| Origination fee | Up to 10.00% | 1.85%-9.99% | |
| Funding timeline | Get money as soon as one to three business days | Get money as soon as the next business day | Get money as soon as the next business day |
| Bottom line | Of these three lenders, Achieve has the lowest maximum interest rate — but also the highest minimum loan amount. | LendingPoint has a lot of similarities to Achieve, though it has more options for repayment terms and a lower minimum loan amount. However, it has a much lower maximum loan amount, so it’s not a good fit for borrowers who need a large loan. | Of the three, Upgrade has the lowest credit score threshold. This lender also offers long repayment terms, but has a high maximum origination fee. |
How we rated Achieve
We evaluate personal loan lenders on more than just interest rates. Our goal is to show how accessible, affordable, transparent and supportive each lender really is.
Our categories
Every lender is scored out of 5 stars, with 5 stars being the highest rating. LendingTree loan experts determine this score using dozens of underlying data points across four weighted categories covering the full borrowing journey.
We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.
We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.
We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.
We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.
Our process
We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.
In some cases, our editors may apply a small adjustment (no more than 4% of the overall score) to account for factors not captured by the methodology. This could include J.D. Power customer satisfaction surveys, recent regulatory actions or features that stand out in ways our rubric doesn’t measure directly.
Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings.
Frequently asked questions
Yes, Achieve is a legitimate personal loan lender, and its loans are funded through Cross River Bank. Achieve employs more than 1,400 teammates and has helped more than 1.5 million members since 2002.
Achieve requires a credit score of at least 640 for its personal loans.
Achieve typically gives same-day approval decisions. If approved, you can get your funds within one to three business days.
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