Personal Loans

Q: What interest rate discounts does Achieve offer?

Achieve Personal Loans offers three types of discounts:** Co-borrower discount: Add a qualified co-borrower to your loan application. Retirement asset discount: Show proof of sufficient retirement funds in a 401(k), IRA, Roth IRA, tsp (thrift savings plan). Direct pay discount: Allow Achieve Personal Loans to use your loan funds to directly pay your creditors when consolidating debt.

A smart solution built for you

Find the right loan in a fast, simple, and stress-free way.

How much do you want to borrow?

We've got the process down: ¹

$7.5 billion+

Loans to members

450K+

Members we've served

4.8/5 stars

Trustpilot rating

Personal Loans

A smart solution built for you

How much do you want to borrow?

We've got the process down: ¹

$7.5 billion+

Loans to members

450K+

Members we've served

4.8/5 stars

Trustpilot rating

Find the right loan in a fast, simple, and stress-free way.

How to get the right loan for you

Answer a few questions

A simple and fast application to get to know you. ¹

Choose your terms

Pick 2, 3, 4, or 5 years — and set your monthly payment date.

Use your loan

Consolidate debt, renovate your home, or make a major purchase.

Our superpower? Being human.

Getting to know you is how we find the right solution for you.

Personal loans designed with you in mind

Dedicated consultant

Our certified loan consultants can walk you through every step.

Rate discounts

Multiple ways to personalize and lower your rate.

A human touch

On the phone or online, a dedicated loan consultant will be here for you.

Real people, real progress

“Vicki helped me. From the application to the approval, to the funding. She was with me through the whole process. She walked me through everything I needed to know and submit.”

— Anthony C., member since 2021 ²

Real people, real progress

“Getting to condense my four bills down to one at a better rate, and being able to know when those bills are going to be paid off. What a huge help for me.”

— Steve B., member since 2022 ²

Personal Loans articles

Co-signers and co-borrowers: What it means when you apply with someone else

Co-signer or co-applicant? It's like choosing your financial wingman - one helps you fly, the other joins your flight.

Get back on track: How a hardship loan can help you overcome financial struggles

Life's unexpected hurdles can leave you feeling cornered. Here are ways to weather the storm and come out stronger.

Unsecured personal loan: When it’s a smart way to borrow

Unsecured personal loans tend to be cheaper than credit cards, and you don't have to borrow against a house or car.

What can you do with a short-term loan?

Cash crunch? A short-term loan may not be the best way to bridge the gap.

How to use a personal loan for credit card debt

A personal loan could help you crush your credit card debt and finally set a date to say "good riddance."

Getting to know personal loans: how they work and how to get one

Personal loans step up to the plate, offering a chance to hit your financial goals out of the park.

Home improvements with a personal loan

Spruce up your space: Discover how a personal loan could help you renovate your realm without borrowing against it.

Coping with loss: should you borrow for a funeral?

Explore practical solutions to manage funeral expenses and honor your loved one's memory.

Soft credit check vs. hard credit check: what’s the difference?

Soft check, hard check: the credit inquiry tango and how it dances with your score.

Secured vs unsecured loans: understanding the differences and making the right choice

Pepperoni or plain? Choosing the right loan is just as personal. Here's how to find the financial pizza pie you'll love.

APR: Why knowing the Annual Percentage Rate can help you make a smarter choice

APR: The secret sauce that spices up your loan's true cost that gets you a zesty deal or a budget-burner.

Get behind the wheel: how a personal loan can help you buy a car

Who says you need a car loan for a new set of wheels? A personal loan could put you in the driver's seat.

5 reasons to get a personal loan

From puppy mishaps to kitchen makeovers: A personal loan can be your go-to for unexpected bills and thrilling thrills.

Discover the different types of personal loans

Who knew a personal loan could be your unexpected co-pilot in life’s journey? Discover the many doors that could open.

Maximizing your odds for approval: how to apply for a personal loan

Mastering your money includes knowing how to get yourself ready to apply. Here are a few insider tips.

From application to approval: how to get a personal loan that fits your needs

A little preparation could put you in a better position to succeed! Get ready before you apply for a loan.

Personal loan vs. personal line of credit: which one is better?

Lump sum now or a safety net? Loans and lines of credit are two distinct paths for funding life's twists and turns.

Simple vs. compound interest: what’s the difference?

Compound interest is great for saving, and simple interest is better for borrowing. Learn how to spot the difference.

View all personal loans articles

What you should know

What is a personal loan through Achieve?

It’s a low, fixed-rate loan between $5,000-$50,000, with loan terms of 2-5 years, so your monthly payments don’t change. There’s no hidden fees or prepayment penalty.

Why should I consider a personal loan through Achieve?

Using credit cards can be expensive. A personal loan can be a smarter way to consolidate debt or fund a major purchase.

What interest rate discounts does Achieve offer?

Achieve Personal Loans offers three types of discounts:**

Co-borrower discount: Add a qualified co-borrower to your loan application.
Retirement asset discount: Show proof of sufficient retirement funds in a 401(k), IRA, Roth IRA, tsp (thrift savings plan).
Direct pay discount: Allow Achieve Personal Loans to use your loan funds to directly pay your creditors when consolidating debt.

EXPLORE YOUR OPTIONS