Lender network / Lender profile
Achieve Personal Loans: Rates, Terms and Fees (2026)
Short answer: Achieve is built for debt consolidation, with rate discounts for paying creditors directly or adding a co-borrower. The minimum loan is $5,000.
| At a glance | Achieve |
|---|---|
| APR range | 6.25% to 35.99% |
| Loan amounts | $5,000 to $50,000 |
| Terms | 24 to 60 months |
| Origination fee | 1.99% to 9.99% |
| Funding time | 24 to 72 hours after approval |
| Minimum credit score | 560 (660 for debt consolidation of $35,000 or more) |
| Late fee | Not published |
| Availability | Not available in every state. Check with the lender |
| Credit check to pre-qualify | Soft pull through CLO |
Good to know
- Rate discounts for a co-borrower, direct creditor payoff, and retirement savings
- No autopay discount
- Loans originated by Cross River Bank
- $5,000 minimum is higher than most
How Achieve reaches CLO
Offers from Achieve come through CLO's partner network, powered by Flexxbuy. CLO is not a lender and doesn't make credit decisions. Lenders can't pay to change what this profile says.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
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Achieve personal loan questions
What credit score do I need for Achieve?
Achieve lists a minimum credit score of 560 (660 for debt consolidation of $35,000 or more). Pre-qualifying through CLO shows whether you'll get an offer, without affecting your credit.
How much can I borrow from Achieve?
Achieve loan amounts: $5,000 to $50,000. The amount you're offered depends on your income, credit, existing debt and state.
What APR does Achieve charge?
Achieve's published APR range is 6.25% to 35.99%. Your rate depends on your credit profile, loan amount and term.
How fast does Achieve fund loans?
24 to 72 hours after approval. Timing starts once your application and documents are complete.
Does checking my rate with Achieve affect my credit?
No. Pre-qualifying through CLO uses a soft credit pull. A hard inquiry happens only if you accept an offer and complete Achieve's application.
Sources: >Achieve: personal loans · >NerdWallet review. Found an error? Report it.