Achieve – Personal Loan
Achieve (formerly FreedomPlus) offers personal loans with rate discounts for using a co-borrower, securing the loan, or paying down debt directly.
Applying does not obligate you to accept a loan offer.
Achieve Personal Loan – 2026 Review
Achieve is the consumer-facing brand of Freedom Financial Network. It offers personal loans that include rate discounts for adding a co-borrower, paying creditors directly, or using retirement assets as informal collateral.
Loan Terms
Loans range from $5,000 to $50,000 with terms of 24 to 60 months. APRs run from 8.99% to 35.99%. An origination fee of 1.99% to 6.99% applies.
✓ Pros
- Multiple rate discounts
- Co-borrower accepted
- Direct creditor pay
- Wide loan range
✗ Cons
- Origination fee 1.99%-6.99%
- Highest APR 35.99%
- Not available in all states
Loan Example
Example: $18,000 loan for 60 months at 16.99% APR with 4.99% origination fee = monthly payment of $447.34, total payable $26,840.40.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US resident in eligible state
- ✓ Verifiable income
- ✓ Credit score 620+
- ✓ Some retirement savings for discount
Loan Features
- Co-borrower rate discount
- Direct creditor payments
- Retirement-asset rate discount
- Loans up to $50,000
- Pre-qualification with soft pull
Frequently Asked Questions
1-3 business days after submitting your application.
The minimum amount at Achieve is $5,000 USD.