Name: Achieve Personal Loans
Rating: 4.4

star star star star star

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.

11 months ago

star star star_border star_border star_border

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

11 months ago

star star star star star

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.

11 months ago

star star star star star

Courtney Byous IL

I got everything I wanted and more with this loans and the officer was very helpful and did everything he could to help me out

7 months ago

star star star star star

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.

1 year ago

star star star star star

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!

1 year ago

star star star star star

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.

1 year ago

star star_border star_border star_border star_border

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.

1 year ago

star star star star star

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.

1 year ago

star star_border star_border star_border star_border

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!!

1 year ago

star star_border star_border star_border star_border

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

1 year ago

star star_border star_border star_border star_border

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.

1 year ago

star star star star_border star_border

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.

1 year ago

star star_border star_border star_border star_border

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

1 year ago

star star star_border star_border star_border

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?

1 year ago

star star_border star_border star_border star_border

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.

1 year ago

star star_border star_border star_border star_border

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.

1 year ago

star star star star star

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.

2 years ago Edited August 10, 2022

star star star_border star_border star_border

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.

2 years ago

star star star star_border star_border

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.

2 years ago

star star_border star_border star_border star_border

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.

3 years ago

star star star star star

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!

3 years ago

star star_border star_border star_border star_border

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.

3 years ago

star star_border star_border star_border star_border

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.

4 years ago

star star_border star_border star_border star_border

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.

4 years ago

star star_border star_border star_border star_border

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.

4 years ago

star star star star_border star_border

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

4 years ago

star star star star star

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!

4 years ago

star star_border star_border star_border star_border

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.

4 years ago

star star star star star

Agnes C Miamisburg, OH

Took less than 20 minutes for approval of my loan and less than a week to send payments to pay off debt! Very easy to work with and very polite on the phone!!

4 years ago

star star_border star_border star_border star_border

ASJM Pearland, TX

There is nothing to like about this company. It has been a nightmare ever since I was approved for the loan. I feel like I was scammed and this company does not try and work with you when you're dealing with financial hardship. I emailed the LO that approved the loan because there was some discrepancies regarding the loan. Of course, he seemed to have amnesia. I can't wait to be done with this company for good. Discover Personal loans is a better company and they give you better options instead of no options at all. Not to mention, the interest is ridiculous. I feel as if I am spinning my wheels. Debt relief may be my next option.

4 years ago

star star star star star

Breanne Maltby Dallas, TX

Very helpful, patient, answered all my questions and concerns, and didn’t make me feel like I was being pushed into an agreement I wasn’t comfortable with.

4 years ago

star star star star star

Rashelle B Lee Atlanta, GA

Thank you for your assistance! We really appreciate Aleece and her seamless customer service skills. She has been prompt, courteous and a pleasure to work with!

4 years ago

star star star star star

christina allen Carmichael, CA

Amanda A was awesome, an advocate of the loan process you offer, she made everything easy, make sense and want to move forward with this big decision. She was great!

4 years ago

star star_border star_border star_border star_border

CASTRO New Orleans, LA

BEWARE— of high interest loans that may take years to pay, even when your credit score is almost perfect. I highly recommend that you compare the benefits of getting a personal loan with your bank than FreedomPlus. I received a 17.9% $30,000 loan, with a 700 credit score. I was desperate to pay off all my credit debt. Loan payments was $650 to the principle and $350 for interest. Not to mention the application fee of $500.. It is a literary taking advantage of people. I will NEVER recommend this company to anyone. I paid off my loan with within 8 months of seeing how much I was taken advantage of..

4 years ago

star star star star star

Janice Erving, MA

Made a stressful situation so smooth and easy. Friendly representatives and I would recommend this company to anyone who is trying to get out of debt fast.

4 years ago

star star_border star_border star_border star_border

Pippi Norfolk, VA

I was told at 6 months I could get a reduction in the APR. I reached out to the loan person I dealt with multiple times and have never heard back from him. I started making extra payments only to find I am being charged a “check fee” for the extra payments. Freedom Loans is not set up to receive electronic payments from my bank unless they are directly pulling those payments from my account. They are making sure to get their money by charging me a fee for every extra payment I make so they get aren’t losing out on all the money I am trying to save by paying the loan off early. I wish I had never done gone with this company.

4 years ago

star star star star star

Sandra Moorhead, MN

The ease of processing my application to getting an approval was fantastic. Had no idea when I applied online that day how fast it would be done. And in that same day!

4 years ago

star star star star star

Mary Thomas Indianapolis, IN

Ericka R, was very helpful and could understand her well. She was very respectful and if we had any questions she answered where we would understand.

4 years ago

star star_border star_border star_border star_border

Debbie Allentown, PA

I agree with a lot of other reviewers on here that this place is a money stealer. I borrowed $7500 to consolidate my credit card bills and I have made one payment so far and my balance if $7507???? I guy I spoke to was a real smooth talker and when I questioned the interest rate of 26% he smoothed talked it by saying that it is cheaper than all the interest rates that I was paying on my credit cards together. He went over that part of the contract so fast I didn't have a chance to object. I totally 100% regret taking out this loan, I am in the process of trying to get a loan from my credit union (who I should have gone to in the first place but didn't think they would approve me because I already have a loan with them) and I would have avoided all of this crap. The interest rate for my credit union is 10% and I am praying I get approved for this. Then when I saw my payoff amount on my statement, it says is $7576!!! And the jerk never told me that there was an origination fee either, I asked for $7500 and I only have a little over $7100 to pay my bills off so I was left with balances on some of my credit cards because the loan wasn't enough to pay everything off completely. These guys are real slick, beware, stay away from this company. If I could give it 0 stars I would.

4 years ago

star star_border star_border star_border star_border

Joe W. Lake Hiawatha, NJ

Stay as far away from this company as possible. They make getting the loan a pretty simple process, but after that fact they are just criminal to deal with. They recently debited my bank account because they set me up on automatic payment even though they were told by me multiple times that I did not want that done. When they sent the loan documents they slipped that in and we missed it. I then contacted customer service when I was double billed. The company told me that there was no way they could refund the money and that I needed to contact my bank and tell them it was an unauthorized transaction. After doing so, the company refunded my money twice and then said my payment was late and charged a late fee. They are absolute criminals. That is the reason that they operate using 2 names. You will deal with Freedom Plus when getting the loans but then they get payments and deal as Freedom Financial Network which is not a Better Business Bureau rated company. That is the company name they use to pull their extortion. Beware of this company.

4 years ago

star star star star star

Tiffany Cleveland, OH

Amanda was absolutely amazing! She answered every question and left no stone unturned. She was very quick with responding and made the whole procedure painless.

4 years ago

star star_border star_border star_border star_border

Dan Greenville, PA

YOU DO NOT EVEN DESERVE ONE STAR! On Sept. 1, 2019, I signed a contract with the understanding after I read the paper work and I was not interested all I had to do was write a letter and it would be terminated. Sept. 2 (Labor Day) I printed out all the 27 pages read them. On page 2 the rate says 23.86% but on page 7 the rate is 20.99. But when I was talking to the rep. on the phone he said it should be around 16%. Well I was NOT very happy with all of this so on Sept. 3 in the morning I called the "company" and they said I had to talk to the "guy" I talked to on the first. So I left him messages all day long, his supervisor, and someone else. No Call Back! Later in the day on the Sept. 4 he finally called and said its to late to terminate. But on the paper work that I signed The Freedom Plus Loan Agreement paragraph 8 its says you can terminate at any time. They just want to STEAL $764.70 from us. YES IT IS STEALING!!! This should be the last place anyone should look for a "loan".

4 years ago

star star star star_border star_border

Charles D Hardway Grove City, OH

I was concerned and they told me to go get an eBay gift card which by the way they put the money into my account to get the eBay gift card I returned an eBay gift card they said it was for credit booster made me a little nervous I still haven't received my funds yet I hope they are real homeless man can change my life forever

4 years ago

star star_border star_border star_border star_border

JustG4Me Upper Marlboro, MD

I went to FreedomPlus to get a loan. I was told the loan origination fee could be from 0-5%. After obtaining the loan FreedomPlus loan, I was charged the entire 5% origination fee. It turns out I had to pay $750.00 to borrow $15,000. I feel this is usury and somewhat on the lines of being a loan shark. I was so humiliated with the process that I went to my credit union and borrowed the same $15,000 to pay Freedom Plus off. After borrowing the money from my credit union, I did not have to pay an origination fee -- . Also, I am paying FreedomPlus an interest rate of 19.99%. With my loan through the credit union, they gave me an interest rate of 9.75%. I would like FreedomPlus to return my origination fee, since I only had to pay them for 2 payments.

4 years ago

star star star star star

Janet Lake Worth, FL

The loan process was quick and simple and would highly recommend FreedomPlus to other potential clients. My loan officer was also professional, helpful and courteous.

4 years ago

star star star star_border star_border

Paul Siskin

Loan process was fine but I finally got the link to log in and look at my loan. I financed and go $16500 loan. The balance I see is $19500 or so. That means you tacked on $3000 to the loan about!!!! On top of the interest where or why is the balance that high?

4 years ago

star star star star star

Bobbie Timm Mooresville, NC

Freedom plus was excellent to work with. They contacted me by phone with every detail of what was happening with my loan! I truly recommend Freedom plus!!

4 years ago

star star star star star

Kimberley C Green-Martinez Milton, MA

Great company with whom to work. Jonathan went an extra mile to be solutions oriented. I'm looking forward to a long term relationship with FreedomPlus.

4 years ago

star star star star star

Susan Gunther Ormond Beach, FL

Wonderful ,explaining over the phone interest rate,different opinions spoke clearly,one employee over the phone to work with .everything I was told happened.thank you

4 years ago