Name: Achieve Personal Loans
Rating: 4.7

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Jen D. Simpsonville, SC

Great experience. Easy to use, super helpful and knowledgable. Bobby Neal, was amazing throughout the entire process and a pleasure to deal with. Felt at complete ease without any judgement.

10 years ago

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Thomas Lewis Jackson, TN

This was just about the easiest loan that I have ever received. The entire process was fast and the rep that I dealt with was very knowledgeable and friendly. I would highly recommend this company to anyone looking for a loan. Thanks

11 years ago

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Luis Cavacas

Good company to deal with. Explained everything thoroughly, very patient.

3 months ago

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Kathleen Dubay

Easy to deal with and quick loan. Friendly staff who answered all my questions.

3 months ago

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Mary C

Fast, easy and Krystal D was great to work with. Achieve told us yes when others told us no.

4 months ago

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Migdalia Cruz

It was easy and convenient. Also fast Very satisfied with the help we received

4 months ago

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Sandy Jiang

High interest rate, high fee, the application process is complicated, the hidden interest fees aren't discovered before funding, bad customer services.

5 months ago

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Michael Russo

Excellent customer service! Paul was very helpful, friendly and provided great communication. Fast simple process!

6 months ago

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Tracy Baker

Sierra Sanchez has been so helpful and very helpful, I'm glad I called, thank you for being so kind. Tracy

6 months ago

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Mario Giusti

It was an excellent experience with no problems. The representative was patient, and completely informative. ..

8 months ago

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Victor Alejandre

Amanda A. Did a great job on getting the loan processed. She was very informative and professional, really enjoyed working with her.

8 months ago

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Waymon Talley

Fast approval and distribution of the funds. Everyone was great to work with and they made the process move right along.

8 months ago

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Emanuel Cobar

Fast and easy process! They will get you approved and funded within just a few days! Unbelievable customer service! Shoutout Nicholas Howard!

11 months ago

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Diane Bollinger

Great friendly customer service. Debbie was patient and answered all of my questions in a timely matter. I did not feel any pressure at all.

11 months ago

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Kim Marie Ullrich

Really easy to discuss my concerns with the loan expert. He completely understands how nervous I was about getting the loan & going through the process

1 year ago

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Marwa Triggiani

Clinton was very helpful and knowledgeable, he walked my through the process and made it so easy for me to proceed. I would like to thank him for his amazing efforts!

1 year ago

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Justin Dube Show Low, AZ

Still haven't received the loan funds after approval two weeks ago. This was intended to be a small loan to cover a debt while waiting for revenue from the sale of a home. Achieve application filled out and approved 2nd week of November, Representative told me 15 days max to fund. 13 days after application I get an email stating "loan funded" but no money was deposited in my account. I call them "the money will be deposited in 10 to 15 days from the date of that email". Ummm, what??? "this is a brand new loan and you will have to wait". Sir, this is not a new loan, I was approved 2 weeks ago. "that isn't what my computer says". So, now the first payment is due December 16th for money I never received and apparently won't for another 2 weeks, if ever. I would like to speak to an attorney about this because it looks like their is meat for a class action lawsuit. I will have the payout from someone getting their mortgage done BEFORE this loan money is dispersed. That makes ZERO sense. I used Lending Club a few years ago....much faster. Achieve, I hope you read this. I am going to find other people you did this to and SUE you. If I needed the money in a month, I would have gone a different way. Unprofessional at it's peak.

2 years ago

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Karen Shields Reisterstown, MD

This is a company that practices predatory lending. I spoke to a loan officer who quoted me a rate of 19% which is high for an experian score of 680 with a consistent income over 200K for the last 12 years. They publish a reduced rate opportunity if you use the money to pay off a debit. I used to pay them all off and my rate when the loan documents came through (After the payments went to the credit cards) was 29% I balked and asked them why the difference. I was not given an answer and was told that they could not retract the payments and the only thing that I could do was refinance in 6 months. I called back in six months with a 747 credit score and was denied.

2 years ago

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MisterFord73 Plano, TX

When I needed to pay down high interest rate credit card debt...Freedom approved my loan! Since then I have been cleaning my finances up one card at a time...now with Achieve

2 years ago

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Carrie McCree Lilburn, GA

The entire process was so smooth. The terms offered were good. The representative (Kyle) that I worked with was very professional and explained all area very well.

2 years ago

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Katharine Cohen Middletown, NJ

After buying a house and a few unexpected expenses, I needed a personal loan. Melissa H from Achieve was prompt and professional, she took care of everything.

2 years ago

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Jana Withers Tampa, FL

Extremely satisfied and still can't believe how easy it was to process our loan. We needed funds to help a family member and could not he more pleased. Thank you

2 years ago

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Anne Dougherty Havertown, PA

Achieve took over my loan within a month of having it with a different company. I took out a 3 year loan, and made an early payment of 90% of the loan within the first 6 months. I assumed that this loan was like every single loan other I've ever taken out in my life and that I would have lower or no payments for a bit because I still had several years left to the loan term. Less than 12 hours after my next 'due date ' I had received 6 harassing phone calls (in less than 8 hours) because I hadn't paid the "full amount due" and I "was behind". When I called I was told that my loan end date was just moved up with the amount of payments I had left instead, with literally no change to the loan term end date online at all and was told my new end date was in 6 months with the full 3 years of interest attached to pay that I doubt will "be refunded" at the end as it should be. I could "try to refinance with them if I wanted lower payments". A month later, I STILL can't verify any of the information I was told as my online account STILL doesn't reflect any of this. Customer service is very nice. That's the only good thing about them. I'll never use this horrible company for anything ever again.

2 years ago

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lattyb Brooklyn, NY

Can’t believe it was so easy I am so happy to be on this journey to financial literacy and making better money management choices thank you so much!

2 years ago

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Rita Perez The Bronx, NY

Achieve is a company that takes full advantage of consumers in need of a loan due to financial difficulties. This company should be investigated for “additional interest charges”. This company charged me additional interest even after I paid the full amount within my statement period. When I called to ask for assistance the customer service representative made me feel as if I was in no position to question the additional cost. This company should be under investigation and penalty charges should be given to them for falsifying information and charging consumers additional unknown charges. I will post this all over social media

2 years ago

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Stephanie Velasquez-Guerra Powder Springs, GA

Adara was AMAZING!!! Very knowledgeable and helped m in getting me the better interest rate. She explained everything and made it very comfortable working with her.

2 years ago

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Lisa McCluskey Laguna Woods, CA

Would give them 6 stars if I could. The terms were much better than any of the other lenders. And our agent was the best! And I mean he was awesome! Thank you Achieve!

2 years ago

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Lon S.

The loan officer Amanda I was working with was amazing. She made the whole process so easy and was very good at returning my calls for questions that I had about the loan.

2 years ago

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Kai Thorup Atlanta, GA

I am completely dissatisfied with this loan. It turned out to be the apposition of everything the sales agent promised. I was told it would protect my credit score, but my score tanked after this loan. I was told the interest would be less than the day I was to sign I was hit with the reality. I questioned the sales agent and should have walked right then. He swore up and down after six months of on time payments and I can refinance to a lower rate. This is not true. My credit was tanked by this loan and I’m stuck with what amounts to be a predatory loan just slightly better than a title loan. There’s a reason the loan is not available in some states and it’s not because it’s a “good” loan. Anyone would be better off fleeing from this loan and this company.

2 years ago

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Lloyd Allen Hollins Castroville, TX

Thank you Achieve! they took care of my three loans that I was paying and paid them off. I got a low payment that save me two hundred dollars a month paying them back.

2 years ago

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Glenda Johnson TX

We were told when we got the loan, after paying six months, that we could refinance our loan and get a lower interest rate and lower payment. We have not missed, or been late paying our $910, not once. We were declined because we don't make enough money to support this loan, DO YOU KNOW HOW THIS SOUNDS? We are not asking for more money, just a better interest rate and lower payment! We make the same amount of money when you gave us the loan, no new bills, our 2016 car, 2013 truck, RV, and house are paid off. The only difference is we had to buy a part for our RV $2700, and we put it on our bank card. We are not behind on any of our bills, nothing has changed. Except, your company pulls people in with high interest rates and high payments, saying in six months you can refinance and get lower everything, sounds like a scam to me, BUT THAT'S OK, you want to play it that way. I want you to know I'm turning your company into the BBB, and we will tell everyone on social network not to trust your company. What you are doing is a scam and that's really too bad!!

2 years ago

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Brigitte Guerrero Ely, NV

Well its my fault I got into debt. But this Achieve took advantage.. I thought after FDR and going through all that .. I was left with a couple of thousand to pay off.. Well Achieve to the rescue.. but I CANT believe that they charge 22% interest - so If i took what i paid FDR and what I have paid Achieve so far.. I should have just buckled down and paid down everything cause now I am the point where I have paid MORE than what I previously owe.. $340 a month would come in handy - I have until June of this year.. I would recommend people to just go declare bankruptcy - since your credit is ruined after all this anyway

2 years ago

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Mike Craft Georgetown, TX

When they changed their name to Achieve and started up the business of reaching out to existing customers for home equity loans the whole thing should have been shut down. Since having my credit pulled I have been mobbed with calls for other refinancing companies (as expected) only to have Achieve spend 3 weeks and $250 of my dollars to suborn my lien for solar panels all for nothing. Despite having access to all of my debt and home evaluation it wasn't until weeks later that they suddenly decided they couldn't go forward. A complete waste of time, money, and a rip off. I am debating further legal action in recompense but will likely lose out to overpaid corporate lawyers since big corporations like Freedom must get sued all the time and their business practices have yet to improve. Do not trust this company.

3 years ago

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Camilla Bowie, MD

My account was tranferred from Freedom Plus to Achieve. However, I'm unable to open the Achieve Dash Board to view my account. I keep getting an error message. Can someone please provide the correct Achieve Dash Board website so I can access my account? Thanks.

3 years ago

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Ann F Biloxi, MS

Oh sure we got a loan all right but be careful after you pay it off they're going to come after you for more surprise fees but that was not included in the original contract which is fraud and they keep insisting and then they called us threatening us and being extremely rude for their extra payoff Ransom fee that was nowhere included in our contract which they refuse to send out by the way but banks are notorious for stealing from people and then if you don't pay up you get put on bad credit so yeah these people will literally come up with extra fees after you're done paying it off on purpose closeout fee when we already paid the origination fee but the extra bullshit fee that was not included and they added an extra month on top of that it's against the law for fraud but can't control Banks since the government makes a lot of their money from them too

3 years ago

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R New York, NY

I am enrolled in Freedom’s debt consolidation program without any misgivings. I was just offered a loan to pay off the balance of my debt by Freedom. They can only estimate the amount of the loan, the term and interest rate because they don’t know how much each debtor will settle for. So they are asking me to take the loan not knowing what it will cost. What do you think?

3 years ago

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Ayanna Samad Washington, DC

We were approved for up to the max amount, based on our preliminary application, we supplied all of the required documentation, including our full bank tax returns, substantiating our income. Lorin advised after about 48 hours that we were denied, with no further explanation. I requested a call from her manager and she assured me that I would receive a call by COB, however I did not. I do believe that our denial was based on demographic information, and not our ability to pay back the loan. Be weary of this company, their practices seem to be unethical and ambiguous, all the while our credit scores have been impacted by their inquiry.

3 years ago

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Peter Jalilie Stockton, CA

From the start I said I absolutely did not want a hard credit check done until I knew what I was agreeing too, I wanted to first see an offer and know what the rates would be before my credit gets dinged with a hard credit check, the nice Freedom Plus agent said she had great news for me, I was pre-qualed for 1.99% interest rate based on my information. This company said we were pre-approved for a loan of 7K at a promotional rate of 1.99%, so I said go ahead with your hard credit check, but half way through the process the agent of freedom plus gets back with us and gave us a congratulations that we qualified for a rate of 5.99% and never explained the reason why the rate jumped from 1.99 to now 5.99, later she said it had nothing to do with our credit, so I being foolish decided to just grin and bare the interest rate hike, then just prior to final release of funds the agent said she just needed my final approval of funding after she read details, she literally quoted the interest rate not at 5.99%, but at 14.99%, I stoped her and said,”excuse me did you just say 14.99%?” She said yes, and told me it was because my wife’s meager monthly income of 1K was disavowed because we were moving out of State, I am transferring with my current employer. But, we said this to her from the beginning very directly and specifically over and over that the funds were for our move, and yet twice we were told we were pre-quelled at the lower rate, this is a classic bait and switch, they baited me in at the low rate-told me I was pre-qualified multiple times based on my information that never changed and was accurate as I have documentation to back it up, then they said some fine print disqualified my wife of 34 years from being on the app, dinged my credit for absolutely nothing. I found them lacking integrity, and frankly not up front and honest, only quoting fine print details when it suited them to increase their profits unfairly at my expense. I do not like companies like this, they find every excuse to to gouge people for the sake of increased profit hoping you don’t actually read the rates.

3 years ago

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Noa Ranoa Vista, CA

In 2020 FreedomPlus loaned me 36k. The fees were minimal and my monthly was even better. I have a Good credit score, so that will make a difference.

4 years ago Edited August 10, 2022

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Erich Trenton, NJ

Largely unresponsive to email. Also, they can't seem to get both of my loans in the same dashboard. The big concern, though, was I called to move a payment (automatically deducted from my checking account) by a couple of days, which they were happy to do, but after the original payment date passed I received a number of emails about the loan being past due! The right hand doesn't know what the left hand is doing. When I finally talked to customer support about this it was clear that they don't handle this situation properly. I BETTER not end up with anything on my credit report.

4 years ago

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Joan Sanaker Minneapolis, MN

I have been a good customer for about 15 months. I tried to refinance and was denied. She couldn't tell me why. That is not the best customer service. My credit score is good. My debt to income ratio is better than when I got the first loan. I don't understand.

4 years ago

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Brent Warren ,

In the last year my income is less that half of what I was previously making. A freedom rep mentioned they could lower my monthly payment and I agreed it was a good idea and chose to apply for the lower rate. I was given x number of business days to complete the application. I completed it on the last day but the rep closed my case preemptively and rejected me. They realized they made a mistake and took extra time to walk me through the process a second time. This time, I submitted everything needed on the same day. They denied me stating "You did not send us what we asked for." I replied asking what I missed but they have ignored all of my emails for the last 3 months.

5 years ago

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William Hoover, AL

Amanda took time to listen and explore the best option for my family. It was as if I was speaking to a friend who was genuinely concerned and wanted what was best for us!

5 years ago

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TCG Plano, TX

Until now, I would have rated FreedomPlus a good company to do business with. I lost my job due to the Covid-19 pandemic and contacted customer support asking for help. I needed some sort of deferral, like all other financial companies willingly assisted me with. The representative I spoke with at FreedomPlus was condescending and rude. His comment was "why should we give you a deferral if you have no way to pay?" His advice was for me to call back once and if I got unemployment set-up and they might consider a plan. My payment history had been flawless and I did not deserve this treatment. I'm experiencing much hardship, at no cause of my own and this added to my hardship and made me feel even worse than I already did. I needed help in March or April during the shock of losing a job. I thought I was dong the right thing by initiating the contact to let them know and ask for help.

5 years ago

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EM Albuquerque, NM

If I could rate a zero I would. I had a high interest loan to begin with. I was solicited by one the Freedom Plus representatives to refinance my loan. I took awhile to decide and finally called back during COVID times to refinance to a lower interest rate. I was told my payment would be taken out the following month. Come to find out the loan consultant mis- calculated and I had to them pay an additional payment. I wish I would have gone with no loan. I was trying to consolidate debt initially. Now my interest rate is still high after refinance, not to mention the 900+ dollars in fees the company tacked on and did not tell me about, Do not go with this company. There are hidden fees and the representatives are just trying to sell a loan. They don’t care about their customers.If you felt stressed prior to seeking out Freedom Financial, warning do not give them you business.

5 years ago

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Barbara Robinson Oakland, CA

The worse company I have ever decided to work with. With their promises and their pitching how they could help me with my debt, I feel like a fool for ever taking them on their word. Should have looked them up first online and checked their ratings. They have been sued multiple times and have a lawsuit in progress for misleading their customers and fraud. I ended up paying them over $3,000.00, ruined my credit score, and what did they do for me? I ended up owing the same amount of debt minus my $3,000.00. They are dishonest and lie about what they tell you. Then they connect you with their consolidation loan program and they charged me 23%. I would never work with this company and advise going through consumer credit counseling. I still have issues with their lousy web site where you make payments and can't connect with a real person that knows what to do. I have spent over a month trying to sign into my account and every thing that they asked me to do was tried and not worked. PLEASE DON'T BE STUPID LIKE ME!! If you do just a little research, you'll discover their legal issues and defrauding their clients. It's too late for me and I am well educated.

5 years ago

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Susan Yedwab Tuckerton, NJ

This company is really terrible. I was told my loan would be complete in about 3 or 4 business days, but it was closer to 7. I told them I did not want the loan if it took that long. So I proceeded under false pretenses. Then, I had direct debit payments, but they debited my payment even before the due date, putting my account in danger of being overdrawn when other payments were presented to my bank at the same time. In addition, if your payment is not made on the exact due date, they report it to the credit bureaus so it looks like you are increasing your amount of debt. Your payment is not credited on the same day that it is made on the website. This makes no sense since they supposedly give you a grace period to make your payment. I cannot recommend them at all.

5 years ago

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Karlyn Bebout Dallas, TX

I was pleased with you until I actually needed to speak to someone! March 23 I started sending e-mails almost every day and i get no response except for the automated one! I tried calling I was on hold 45min and then disconnected I am very annoyed

5 years ago

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Vidura Stich Sacramento, CA

Super service and really appreciate how your staff keeps things focused on the goal of gaining financial freedom. It is a great pleasure working with your team!

5 years ago

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Suebee Lawrence, MA

Freedom Plus has been a nightmare to deal with, hiding behind a Telemarketing boiler room with no real contact with anyone with authority. After being a strong customer for 2 years we sought a deferment of a few months due to a severe accident and serious illness. In March, we were informed by their representative that FP would offer us one more month deferment and that we were completely current and we would commence our regular payments in March. When I attempted to make such payment I was informed we were 29 days delinquent and that they would not honor their own representation to defer February. They also informed me that they did not care what was said via phone by their rep as they had a contract and were now reneging on their previous representations. This is not only fraudulent practice it will affect our credit and we only knew of their reversal by accident. Do not do business with this company.........high rates, origination fees, and false and deceptive representations.

5 years ago