Name: Achieve Personal Loans
Rating: 4.2

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Concerned Consumer Chicago, IL

The loan officer quoted me a rate in a whole number leaving off the ".99%" which essentially makes the true rate nearly 1 full percentage point higher. He repeatedly quoted the whole number and the additional percent was not discovered until it was time to sign the contract. Not happy about that. When confronted the loan officer tells me he always "forgets" about the percentage and will try to remember going forward. However the loan officer was professional throughout the process. Then I have a woman from their customer service department hounding me to confirm my address after the loan process was completed and leaves a message that I have fraud on my account and I need to call immediately, She then proceeds to tell me its company policy to tell customers that they have fraud on their account so they will call back faster. Great practices! Leaving off information of the rate, scaring people in phone messages with concerns of fraud. I will never do business with them again.

9 years ago

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ERLY San Diego, CA

Very helpful , my loan was approved fast, the employees are very professional and willing to work with me.thanks to Scott Beverly for helping with the process.

9 years ago

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Herbert Eckert Tarpon Springs, FL

Cynthia S was great! I was able to get a loan and pay off over 30k in credit card debt in just 5 years!! This is just incredible, with the interest my cads had it would have been over 20 years of trying to pay them off.

2 years ago

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Teri McIntosh Boston, MA

Our loan representative did not listen, but constantly interrupted our questions. It was not made clear that we did not have 3 days to rescind the loan. And when we tried we could not get to a person for 3 days, only emails and left phone messages. Will never use again.

11 months ago

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Beverly Coop Cerritos, CA

Tyree was very helpful... explained everything clearly and answered all of my questions to my satisfaction.

11 months ago

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Christine Grant-Akploh Brooklyn, NY

I like the personal touch, the honesty and the promptness. The rep was very personable and easy to talk to.

11 months ago

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Shauna Griffin Des Moines, IA

The ease of securing a loan was extraordinary. Konner was great to work with. Not sure I could've had a better experirence.

1 year ago

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Dennis Hatcher

Kathi was very good at consolidating all our debt into a loan. I wish the interest rate were a little lower, but it still beats the rates from the credit card companies.

1 year ago

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Col O'grady Perry, NY

I was worried I couldn't afford the payments but I had nothing to worry about. Achieve got me lower payments and I felt so relieved.

1 year ago

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Patricia Owens San Bernardino, CA

My sales person was courtesy of day I called but have not heard anything since, despite leaving messages more than twice. The time it is taking to pay off loans has been extreme to say the least and is causing me even more financial hardship. I have do e consolidation loans in the past and has never taken more than a week. I am expected to make a payment on my loan on the 10th when I am still paying creditors that have been paid. Overall I can say not totally feeling secure and follow through seems to lack.

1 year ago Edited August 29, 2023

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jazzbasket

Great, painless process and knowledgeable people. I would recommend them for anyone trying to streamline their payments to creditors.

1 year ago

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Chris Boyd Detroit, MI

James C did a great job with explaining the loan process. And also got me a better APR rate! Very satisfied with the process.

1 year ago

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crystale Hernandez Orlando, FL

0 stars. 13 days late in my loan and I called them before it was even due to explain that I needed a little time and I will get back on schedule. I’ve received about 20 calls from them since. Sometimes 3-4 times in a day. I answer each time and they claim they document in my file but I continue to receive calls. If I tell you I don’t have it and I need 30 days. Why call 4 times a day?

1 year ago

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Yashiris Peralta

The service was so outstanding that I thought is was not real. What a great gentleman who guided me through the process.

1 year ago

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Tillie Martinez Los Angeles, CA

Great customer service, my agent was very patient and Helpful and answered all my questions to help me understand my loan options.

1 year ago

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Julie Winters Fairfield, OH

Fast friendly service. They really made it super easy to get a loan. Friendly, English speaking customer service and support.

1 year ago Edited June 26, 2023

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Christopher Moore Cullman, AL

Super easy process - James was a gem! He explained everything to me in detail and made the whole experience a great one! Great rates too!

1 year ago

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B&EKRle Waco, TX

The entire process took less than 30 minutes . I was impressed at how simple the application process took and had an instant answer.

1 year ago

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latonna Williams Minneapolis, MN

The The process was extremely smooth and fast and I love the fact that they can pay directly to the credit card companies

1 year ago

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Katie Bowen Houston, TX

I received several calls and emails from this company inviting me, based on my payment history, to apply for lower interest and a refinance. Once on the phone we gave out consent to check our credit and were then told that they would not lower our interest rate unless we allowed them to pay off our credit cards. This is not at all what we asked for. They are totally deceptive.

1 year ago

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David Gonzalez Dallas, TX

So far it’s been great it was a very clear and easy transition from FDR to ACHIEVE. I would recommend this loan establishment to everyone.

1 year ago

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Dalvin Martin South San Francisco, CA

Really high interest rates. No reminder when payment is due. Use a different name when collecting payments . Which confused my bank who refused to accept their request for payment. They hound you incessantly . Wish I Han gone else where

1 year ago

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Brenda M Resha Nashville, TN

The Agents that were involved in the marketing, the helping to understand the wording, requirements and processing this loan were exceptional.

1 year ago

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William Kane Lafayette, IN

Terrible. Double schedule payments and tell me I’m late even when a payment has been made, can’t get payment dates set right when the loan is set up initially, no follow through from the loan originator that said they would originally make sure things were scheduled how I was asking them to be scheduled, just constant bull crap. Don’t use this company. They’re a ridiculous mess.

1 year ago

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Roxie Canton, MI

I had a "consolation loan" prior to the pandemic. They told me that I could put my loan on deferment and resume payment as soon as my job brought me back. As soon as I return to work and resumed payment (which was only 2 months) they applied all my payments to interest only, which I did not agree to. They won't fix their error and expect me to pay more because of their error. DO NOT USE THIS COMPANY!

1 year ago

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Dave and Dan Eagle Mountain, UT

I did a consolidation loan for my credit cards. All was amazing, right up until they started my loan and only paid off 2 of my 4 cards.... but charged the loan for all 4. I still have 2 cards that never go paid. It has been a few months and I have been going back and forth with them ever since. When I call in, they say that it will get escalated and they will call back within to 24-48 hours, but then I never hear back. So the process starts all over again.

1 year ago

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Sarah J. Calabasas, CA

Overall excellent in terms of signup process and speed of funds being transferred, but the interest rate is still higher than I would ideally like - that's my only complaint.

1 year ago

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Tori Pitre San Antonio, TX

I got approved for the loan on 3/25 as a debt consolidation. They did not pay all of the Credit cards until 4/3. Leaving me paying the card's monthly payment so I would not be late. I was also told that I will also have to make a loan payment on 4/25 and the payment is $22 more than I was quoted. Needless to say I will never use Achieve again and will not recommend them to anyone!

1 year ago

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Megan Hodes Englewood, NJ

Customer service stinks They switched names of the company in the middle of my loan without notification so I didn't know if I was just getting spam and promotional mail. I couldn't understand why I was getting mail from a new company. They should have sent something out to explain they were changing names or doing a merger. Now I can't keep track of my loan because they consistently send me mail on a 2 week period. I pay - they still send me a reminder. You cannot get anyone on the phone. Everything is done by bot. I would not get loan with this company in the future.

1 year ago

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kimberly guiry Las Vegas, NV

Bait and Switch - After going through the entire application process and receiving multiple emails stating approved for the loan and asking me to sign loan documents, I received a call saying that it was not approved unless I had a co-signer - and this was based on reviewing my tax returns. Don't waste your time, don't take the hard pull credit ding on your report, it's not worth the time, energy or effort. I also question how much bias is involved since I am a higher earner than my spouse, yet they wanted him on the application.

1 year ago

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Inger Watson Tinley Park, IL

Overall loan, is terrible! It's deceptive, misleading and definitely used to make Achieve/Freedom Plus money. Because they knew that I was in a vulnerable position financially, they took advantage of the loan. Yes, I had a choice but they had one too. I am paying over 50% in interest and when I asked if I could use my credit card to pay down the principal balance, that was not allowed. Meaning, we want your interest no matter how long it takes you to pay us. I never, ever will use them again and I will never recommend them to anyone. ACHIEVE/FREEDOM PLUS IS A FRAUD!

1 year ago

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Pyon Nguyen Blountstown, FL

Its over my expectations with quick approval, the apr rate a little high but its still at our budget. It’s awesome to do business with Achieve.

1 year ago

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gilster g2 Pensacola, FL

Pay your bills and don’t use freedom plus. When the ‘customer care’ specialist is speaking to you he will have ALL of your debts in front of him and will encourage you to add them to the list even if only months to go. Check the interest rate on every debt you have. Few will be as high as Freedom Plus. I did none of the above and the minimum interest rate NEVER applies. My rate was the Maximum they could charge. A stupid way to live.

1 year ago

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Fed up Philadelphia, PA

The loan process was quick and easy and I received the money very quickly. The loan officer was very helpful. But but like another reviewer I could not find my loan data on the web page for this company even after i made a phone call. I also sent an E-mail with no response from the company. Makes you wonder!

1 year ago

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Paul

Why did this loan get transferred or sold. Now it’s never easy to sign into. Also why don’t they ever offer lower interest rates to people with loans pay on time all the time. $$$. They helping us borrowers.

1 year ago

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Smiley MD

FreedomPlus is great. I've been a paying customer and I've always gotten the best of the best customer service from Kathi F, she's the best.

2 years ago

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LAURIE Barker CO

Although setting up the loan was a very simple process, I was told by the loan rep that after paying on time for 6 months, I could rework the loan to obtain a lower interest rate. I have had this loan now for almost 2 years with no response to my inquiries to refinancing to get that lower interest rate and I have not been late for any payment.

2 years ago

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mister rikks Merrick, NY

After a talk with a broker Cassandra who I informed in the first few minutes of discussion I did not want a 20% interest rate after a phone interview lasting at least 15 min plus we get to great news you’re approved at 22% rate when I reminded her that I thought that was outside my limit the response was from her was to hang up without another word ,at the least this shows contempt for the customer and puts a lie to any thought of any other purpose than the loan .if they truly care I expect an apology tho I doubt it. But I will share my experience anytime there name comes up. %

2 years ago

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Bales Family Lawrenceburg, KY

This company is like the not the mob. They have my interest rate at 21.99% interest like $7 a day per diem I borrowed $12,000 almost two and a half years ago and I still have to pay them not almost $9,000 something I don't miss my payment comes out automatically I don't miss . I was misled when I took this loan out I can't wait to be done with these people this company is the worst it's not freedom anything

2 years ago

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Velinzala Wallace Barberton, OH

I enjoyed the thorough information I recieved from Ms. Arkell. Her knowledge helped me make an informed decision for my finances. Thank you!!

3 years ago

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Contact Equal.fm River Forest, IL

I was effected by the pandemic and FreedomPlus allowed me one deferment but after things did not get better they decided to aggressively go after me rather than understand that a lot of Americans are having a hard time right now. They called me 10 times a day demanding their money instead of working with me.

3 years ago

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Brandon Nguyen Seattle, WA

Amanda A was very professional and helpful throughout the whole process. Her knowledge and personality make this a great experience.

4 years ago

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Janet Burton Knoxville, TN

Amanda was really great! She answered all my questions and walked me through everything. I’m very pleased with her service!

4 years ago

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Maggie Dominick Latrobe, PA

They reached out to us, even though we did not think we qualified for a loan that suited us in a way that actually helped us.

4 years ago

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heather kaiser Spokane, WA

Worst customer service ever!! They pull you in with a nice, knowledgeable agent who promises great things, then you are on your own from there. I never got an actual answer to any of my emails only 'it looks like you called and resolved your answer' even though i did not and emailed back that i did not and still got the same canned response EVERY time.. The people i called and spoke to were rude and short with me and made it seem like i was at fault when i wasnt. Rude, unprofessional, unresponsive customer service! If i could, id give it all back and forget this crappy company!

4 years ago

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Peter S. Long Branch, NJ

The original loan was very smoothly processed but at a very high rate. The client originator repeatedly told me that after two on time payments, the loan could be renegotiated at a lower rate. After two years of on time payments, I inquired about renegotiating at a lower rate (the prime lending rate has dropped 200 basis points in this time frame). I was informed their rates were not tied to any measurable benchmark and any savings would be lost to origination fees. This was particularly surprising since two weeks prior, one of their CSRs was the person whop suggested refinancing to me.

4 years ago

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Gary Harrell Arlington Heights, IL

They are crooked and thief's I would NEVER recommend or do business with them took a loan out for 15,000 3 years ago .I pay every month I'm now down to 3,000.I run a business so I normally pay 2-3 times a month based on the week.The last 6 months CONSTANTLY the same the last payment so there is no late fee I'm locked out and cant pay then I reach out and NO HELP No ASSISTANCE I'm trying to give them money and they are trying to sabotage to get a late fee DO NOT CONSIDER .There is a company I use called prosper 200% better these guys are crooks

4 years ago Edited September 14, 2021

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Robin Arth Citrus Heights, CA

Great service and support. My contact was clear and was able to help me get a very favorable rate to pay off high interest accounts! Thank you!

4 years ago

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Chad Spencer Chester, VA

Sandra M E is one of the best loan officers I have ever dealt with within my 30+ years! She is very knowledgeable and very easy to work with!

4 years ago

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Denise M Birmingham, AL

Company was extremely easy to deal with and put in my application. all questions were answered distinctly and directly.

4 years ago