At a Glance
Rates & Fees
Key Features
Rate discounts available for co-borrowers, direct creditor payoff, or retirement assets
Soft-credit pre-qualification before a hard pull
No prepayment fee
Minimum credit score is 560, but loans of $35,000+ require 660
Pros & Cons
Pros
- Strong debt-consolidation fit with direct creditor payoff savings
- Co-borrower option may improve approval odds or pricing
- Dedicated loan consultant or digital application path
Tradeoffs
- Origination fee can be meaningful on larger loans
- Minimum credit score is higher than Avant or Upgrade
- Shortest and longest terms are limited to 2–5 years
How to Apply
Check whether Achieve offers prequalification and whether it uses a soft or hard credit inquiry before submitting personal information. A full loan application may affect your credit score.
Compare the estimated APR, term, and monthly payment against at least one other lender before committing.
Gather proof of income, identification, and bank account details for the formal application.
Submit the full application directly on Achieve's site; approval typically requires a hard credit inquiry.
If approved, review the final loan agreement for the origination fee and funding time (typically 24–72 hours after approval) before signing.
How It Compares
Current product highlighted| Product | APR Range | Loan Amount | Origination Fee |
|---|---|---|---|
| Achieve Personal Loan | 6.25%–35.99% | $5,000–$50,000 | 1.99–9.99% |
| Citi Personal Loan | 9.99%–17.49% | $2,000–$30,000 | None |
| LightStream Personal Loan | 7.24%–24.89% | $5,000–$100,000 | None |
| SoFi Personal Loan | 6.99%–35.49% | $5,000–$100,000 | None (optional fee for lower rate) |
Rates and terms shown are illustrative as of 2026 and vary based on creditworthiness, income, and loan amount — always confirm current terms directly with the lender.