Achieve Personal Loan
Personal loans from $5,000 to $50,000 with APR starting at 8.99% for qualified borrowers.
Last checked on September 4, 2026. We may earn a commission when you click through.
Achieve Personal Loan
Updated 1 month agoAPR Range
8.99–35.99%
Amount
$5k–$50k
Term
24–60 months
Type
personal
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Our Verdict
Achieve offers larger amounts with competitive starting rates. Requires SSN and 620+ score, so better suited for immigrants who have been in the US for at least a year.
Best For
Immigrants with SSN and established credit (620+) looking for larger loan amounts
Pros
- Competitive APR from 8.99%
- Up to $50,000
- No prepayment penalties
- Free credit monitoring
Cons
- SSN required
- 620+ credit score minimum
- Origination fee 1.99-6.99%
About This Loan
Requirements
- SSN required
- US address
- Minimum 620 credit score
- Proof of income
Similar options
APR
7.99–35.99%
Amount
$1k–$36.5k
Term
24–72mo
Best for: Immigrants with SSN and work authorization but limited US credit history
SoFi Debt Consolidation Loan
ConsolidationAPR
7.74–35.49%
Amount
$5k–$100k
Term
24–84mo
Best for: This loan is ideal for borrowers with a solid credit score looking to simplify their payments without incurring additional fees.
APR
11.99–35.99%
Amount
$1.5k–$30k
Term
24–60mo
Best for: Immigrants needing larger loan amounts ($5,000+) who can visit a branch in person
NetCredit Personal Loans
PersonalAPR
34.0–36%
Amount
$1k–$10k
Term
6–60mo
Best for: This service is best for individuals needing immediate financial assistance and who may have trouble qualifying with other lenders.
APR
6.25–35.99%
Amount
$5k–$50k
Term
24–60mo
Best for: This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.
Affirm Pay Over Time
PersonalAPR
0.0–36.0%
Amount
$50–$17.5k
Term
3–60mo
Best for: This service is best for those seeking interest-free payment options and a straightforward repayment process without hidden fees.