Achieve Personal Loans
6.25% to 35.99% APR, $5,000 to $50,000, a 560 minimum credit score, and rate discounts for co-borrowers and direct payoff
Rates verified October 14, 2026Check your rateThe Bottom Line
- APR range
- 6.25%-35.99% (verified Oct 14, 2026). All rates and fees
Key facts
- Loan amount: $5,000-$50,000
- Origination fee: 1.99%-9.99%
- Term: 24-60 mo
Pros
- Publishes a 560 minimum credit score, the lower of the two lenders here that publish one
- Rate discounts for a co-borrower, direct creditor payoff or retirement savings
- No early prepayment fees
- Pre-approval uses a soft credit pull
Cons
- Origination fee of 1.99% to 9.99% is included in the loan balance
- The lowest APR (6.25%) needs excellent credit, under $12,000 and a 24-month term
- Loans of $35,000 or more need a 660 credit score
- Capped at $50,000 and 60 months
At a glance
Rates verified October 14, 2026- APR range
- 6.25%-35.99%
- APR basis
- Includes origination fees. The 6.25% APR needs excellent credit, a loan under $12,000 and a 24-month term.
- Loan amounts
- $5,000-$50,000
- Terms
- 24-60 months
- Origination fee
- 1.99%-9.99%. Included in the loan balance.
- Minimum credit score
- 560. 660 for loans of $35,000 or more. Meeting the minimum does not guarantee approval
- Prepayment penalty
- None
- Rate discounts
- Lower rates for adding a qualified co-borrower, using 85% or more of the proceeds to pay off debt directly, or showing qualifying retirement savings
- Soft-pull rate check
- Yes
- Joint applicants
- Allowed
- State restrictions
- Loans are not available in all states, and terms and fees vary by state.
- Lender
- Cross River Bank
Sources: achieve.com/personal-loans/frequently-asked-que…, achieve.com/about/press/achieve-cuts-personal-l…, read October 14, 2026
Read before you apply
- Origination fees of 1.99% to 9.99% are added to the balance you repay.
- The 6.25% floor needs excellent credit, a loan under $12,000 and a 24-month term. Most borrowers will see a higher APR.
- Achieve's own help answers still show 8.99% to 29.99%, while the page footer states 6.25% to 35.99%. Confirm the range on your actual offer.
- On Achieve's own example, a 15.49% rate plus an 8.99% fee becomes a 20.77% APR.
Where these numbers come from
Read on the lender's own pages on October 14, 2026. Your offer can differ: the lender sets your APR and fee when you apply.
Is it worth it?
$993 to $6,487 in interest and fees on $10,000 over 36 months
To receive $10,000 and repay it over 36 months, the lowest published APR (6.25%) works out to about $305 a month and $993 in total interest and fees. At the highest (35.99%) it is about $458 a month and $6,487. The gap between the two is $5,495, so the rate you are actually offered matters more than the headline. Estimated from the published APR range, which already includes any origination fee. The lowest rates are reserved for the best-qualified borrowers.
What is Achieve Personal Loans?
Achieve is built around debt consolidation. Its personal loans run from $5,000 to $50,000 over 24 to 60 months, with an APR range of 6.25% to 35.99% that already includes origination fees of 1.99% to 9.99%. Achieve is one of only two lenders here that publish a minimum credit score, and its 560 is the lower of the two: 560 to be eligible at all, and 660 for loans of $35,000 or more. Meeting it does not guarantee approval.
Three things can lower the rate: adding a qualified co-borrower with sufficient income, using at least 85% of the proceeds to pay off qualifying debt directly, or showing proof of retirement savings. Achieve says the average interest savings from those discounts ranged from 0% to 4% on loans closed in 2024, and that applicants who already qualify for the lowest rate may not be eligible for more. The 6.25% APR itself needs excellent credit, a loan under $12,000 and a 24-month term.
The cost side is the fee. Achieve's own example, a four-year $20,000 loan with an 8.99% origination fee and a 15.49% rate, works out to a 20.77% APR, a $561.60 monthly payment and $26,966.26 in total. Loans are originated by Cross River Bank and are not available in every state. Achieve's help answers still print an older APR range (8.99% to 29.99%) beside the current one in the page footer, so confirm the range on your own offer.
Key details
APR 6.25% to 35.99%Loans from $5,000 to $50,000Terms from 24 to 60 monthsOrigination fee 1.99% to 9.99%Published 560 minimum credit scoreNo early prepayment fees
Explore more
Achieve Personal Loans FAQ
What APR does Achieve charge on personal loans?
Achieve's page states APRs from 6.25% to 35.99%, including origination fees of 1.99% to 9.99%. The 6.25% rate is available only to qualified borrowers with excellent credit, a loan under $12,000 and a 24-month term.
What credit score do you need for an Achieve personal loan?
Achieve states a minimum credit score of 560 to be eligible, and 660 for loans of $35,000 or more. Meeting the minimum does not guarantee approval.
How can I lower my Achieve rate?
Add a qualified co-borrower with sufficient income, use at least 85% of the loan proceeds to pay off qualifying existing debt directly, or show proof of qualifying retirement savings. Achieve says average savings ranged from 0% to 4% on loans closed in 2024, and not every applicant qualifies.
Does Achieve charge a prepayment penalty?
No. Achieve lists no early prepayment fees. Pre-approval involves a soft credit pull; a full application involves a hard one.
Source: achieve.com