Best Egg vs Achieve Personal Loans

McCall Martin
McCall Martin | Senior Editor

Best Egg and Achieve Personal Loans are ranked neck and neck on Bestcompany.com as the top one and two best personal loan companies in the industry. Both companies get glowing customer reviews and have similar features, yet there are a few defining characteristics that make them very different. Below are the defining characteristics that you should pay attention to:

  • States that support its services
  • Credit score minimums
  • Prepayment perks
  • Ability to cosign
  • Loan amounts
Best Egg logo
#1 Best Egg
9.9 Overall Score
4.9
star star star star star
(19,169)
Achieve Personal Loans logo
#3 Achieve Personal Loans
7.9 Overall Score
4.4
star star star star star_half
(2,357)

Overview

Best Egg

Minimum Loan Amount

$2,000

Maximum Loan Amount

$50,000

Loan Terms

36–60 Months

Minimum Credit Score

600

Origination Fee Type

Percentage

Co-Signers or Co-Borrowers Accepted

Neither

Time in Business

11 Years

Achieve Personal Loans

$5,000

$50,000

24–60 Months

620

Percentage

Co-borrower

21 Years

Ratings

Best Egg

Overall Score
9.9 of 10
Review Score
4.9
star star star star star
Value for Money
4.7
star star star star star_half
Quality of Product or Service
4.8
star star star star star
Company Trustworthiness
4.8
star star star star star
Likely to Recommend
9.6 of 10

Achieve Personal Loans

7.9 of 10
4.4
star star star star star_half
4.0
star star star star star_border
4.2
star star star star star_border
4.2
star star star star star_border
7.9 of 10

Reviews

Best Egg

Number of Reviews
19,169
Review Breakdown
4.9
star star star star star
1 star
1%
2 star
0%
3 star
1%
4 star
6%
5 star
93%

Achieve Personal Loans

2,357
4.4
star star star star star_half
1 star
8%
2 star
2%
3 star
2%
4 star
9%
5 star
79%

Reviews for Best Egg

Helpful Favorable Review

star star star star star

Emily Sanchez

April 13th, 2024

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Review Source

Fast service, easy service, my 650 score helped me get funds in less than two days with a simple couple text. One pay stub was all I needed and it was done through text. And possibly easy bc I selected direct payments from my checking account! Best egg is great. I highly recommend!

Helpful Critical Review

star star star_border star_border star_border

Harley Be

November 14th, 2023

I thought it was instant deposit or that's what the credit Karma ad stated. The website was quite hard to navigate promoting me to call customer service for assistance. I might update my review later but for now I'm perplexed.

Reviews for Achieve Personal Loans

Helpful Favorable Review

star star star star star

Amanda de Bara

December 19th, 2023

The woman who helped me, Kat, was amazing. She was supportive, understanding and very knowledgeable. She helped me step by step the whole way through and even taught me things about interest and cc I didn't know or haven't though of before.

Helpful Critical Review

star star_border star_border star_border star_border

Teri McIntosh

December 21st, 2023

DETAILS

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Review Source

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.

The Final Word

Overall, Best Egg and Achieve Personal Loans offer very similar personal loans services with both thriving in customer service, ease, and transparency. Both companies are great options for those looking to get approved for a personal loan; however, there are a few small differences that may sway your opinion to do service with one company over the other. Here are the main differences between Best Egg and Achieve Personal Loans:

Credit Score Requirements

For those who don't have impeccable credit, Achieve Personal Loans and Best Egg are both great options. Comparatively, these two companies have some of the most competitive credit score limits in the industry.

Achieve Personal Loans has a credit score minimum of 620 whereas Best Egg requires a 640. These two minimums are close, but ultimately Achieve Personal Loans is the better option if your credit is below a 640.

Prepayment Fees

Some personal loan companies will penalize borrowers for trying to pay off their loan early — an obvious frustration for those who have the money and the drive to get ahead of their payments.

Achieve Personal Loans and Best Egg do not charge prepayemnt fees; however, Best Egg has a great benefit for those who do want to pay off their loan early.

Borrowers at Best Egg can receive a reduced rate if they make a consistent effort to pay off their loans early. This is a huge benefit to those who are aggressively trying to pay off their debt.

It should be noted that Achieve Personal Loans gives the option to lock in interest rates, helping borrowers to not get tripped up in bigger interest rates down the road.

Customer Reviews

You won't find many complaints against Best Egg or Freedom Plus because customer reviews are extremely positive for both. Thousands of customer reviews give these companies 5/5 stars. Here on Best Company, we pulled the thousands of customer reviews to give you a rating break down for both companies:

Best Egg

  • 5 star: 91%
  • 1 star: 1%

Achieve Personal Loans

  • 5 star: 80%
  • 1 star: 6%

Clearly, these reviews reveal that the majority of customers felt pleased with their interatctions between both Best Egg and Achieve Personal Loans.

Cosigners

Achieve Personal Loans does allow you to cosign with someone when you apply for a loan. This is a great benefit to you, the borrower, because you will most likely be offered slightly lower interest rates or other money saving benefits. These type of benefits are common because lenders see cosigning as a form of security. Putting two people under the shared responsibility of the loan repayment adds more security compared to a single borrower taking all the responsibility for the loan.

Best Egg does not allow cosigners for its personal loans, but it does allow you to make payments based on your household income instead of just individual income.

Limited Services in Certain States

Achieve Personal Loans is able to offer loans in 35 states whereas Best Egg services 47 states and the D.C. area.

For a more comprehensive look at Best Egg and Achieve Personal Loans, click on the company's name below to discover which company is right for you.

Top Choice

Best Egg Logo
Best Egg

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