If you're looking to get a better rate or increase your chances of loan approval, enlisting a co-borrower is often a great way to do so. This is more than some other personal loan lenders. For borrowers who want to fund an expensive project, like a home improvement or major repair, Achieve allows you to take out as much as $50,000. Achieve Personal Loans Pros and Cons Achieve Pros

Achieve has a minimum credit score of 620.

The lender does have fees - you'll fork over an origination fee between 1.99% to 6.99% and a late fee of $15 or 5%, whichever is greater. You'll get your money within one to three business days. The company's APR ranges from 7.99% to 29.99% APR. Its loan range is between $5,000 to $50,000. Achieve DetailsĪchieve, formerly known as FreedomPlus, isn't available in all states - you aren't able to get a loan in Colorado, Connecticut, Hawaii, Kansas, Maine, North Dakota, Vermont, West Virginia, Wisconsin, and Wyoming. Additionally, you may be able to avoid origination fees, which add to the overall cost of your loan, with another lender. However, borrowers who want a smaller loan amount will have to go elsewhere, as you must borrow a minimum of $5,000 with Achieve. The lender is also particularly attractive to those who may want to apply with a co-borrower to get a better rate, as some companies don't allow co-borrowers. Achieve Personal Loan is best for borrowers who want to take out a moderate to sizeable amount of money, as the lender has high minimum loan amounts, but also a high maximum.

Freedom plus loan review