Achieve Personal Loan (formerly FreedomPlus) review

Check out this Achieve Personal Loan review and find out why it could be the perfect way to get your finances back on track! Enjoy rate discount and more!


by Suzana Brito

Published on 03/06/2023

Achieve Personal Loan: borrow up to $50K and enjoy a rate discount

Achieve Personal Loan logo
Achieve Personal Loan (formerly FreedomPlus) review. Source: The Mad Capitalist

Are you ready to take control of your finances and end debt? Then our detailed Achieve Personal Loan review could be a great starting point.

Achieve Personal Loan logo

Learn to apply for the Achieve Personal Loan

Looking to take out a personal loan? Learn how to apply for an Achieve Personal Loan and get access to funds quickly. Qualify for up to $50K.

We’ll provide all the insight you need, weighing up its advantages and drawbacks so that you can decide whether this Loan is right for you. Read on!

  • APR: 7.99-29.99%;
  • Loan Purpose: Debt consolidation, home improvements, weddings and events, travel, medical expenses, vacations, moving;
  • Loan Amounts: $5,000-$50,000;
  • Credit Needed: 620;
  • Origination Fee: 1.99%-6.99% of the loan amount.
  • Late Fee:  N/A;
  • Early Payoff Penalty: N/A.

What is the Achieve Personal Loan? 

This Achieve Personal Loan review is about the formerly FreedomPlus, an online lender that provides personal loans for debt consolidation and other financial needs.

They offer loan terms from 2 to 5 years, and funds are usually available within 1 to 3 days of approval.

On the low side, a mobile app is unavailable, and origination fees are associated with the Loan.

Unfortunately, this personal loan is unavailable in CO, CT, HI, KS, ME, ND, VT, WV, WI, and WY.

Achieve offers competitive rates but can be on the high side compared to other lenders. Luckily, they offer rate discounts for their applicants.


Joint loans 

If you apply for a joint loan, Achieve will offer up to six percentage points off your rate.

However, they will evaluate both borrowers’ combined financial background and creditworthiness on the application.


Retirement savings 

With Achieve Personal Loan, borrowers with at least $25,000 saved in retirement can receive a special discount of up to five percentage points on their rate.

Those who have saved even more – such as $40,000 or higher – may be eligible for the best possible discounts.

Unlike other lending companies, your retirement savings are not used to secure any loan.

Direct pay

Earn up to 4 percentage points in discounted rates on your Achieve loan when you use it for debt consolidation.

To maximize this offer and receive the full discount, ensure that at least 85% of the money from your Achieve loan is sent directly to another creditor.

Unfortunately, no rate discount is offered if you set up auto payment on the Loan, which can eat into potential savings.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Is the Achieve Personal Loan good?

Handsome thinking serious young man sitting in office coworking
Is the Achieve Personal Loan good? Find out! Source: Freepik

Achieve Personal Loan is ideal for debt or credit consolidation.

Thus the discounted rate incentives make it worthwhile and cost-effective in the long run!

But before applying, compare its advantages and disadvantages to make an informed decision.


  • Pre-qualify with soft credit;
  • Joint loans;
  • Rate discounts options;
  • Online application.


  • Origination fees;
  • No app;
  • Not available to all states.

Does Achieve check credit scores?

Yes, they do. Borrowers can choose to have a soft credit check that won’t affect their scores. The minimum credit score you need to demonstrate is 620.

Want to apply for the Achieve Personal Loan? We will help you!

Ready to apply for the Achieve Personal Loan? We’ve got you covered! Check out our post below for more information.

Achieve Personal Loan logo

Learn to apply for the Achieve Personal Loan

Looking to take out a personal loan? Learn how to apply for an Achieve Personal Loan and get access to funds quickly. Qualify for up to $50K.

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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