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The Achieve personal loan used in PDC's founder case study

Disclosure. PDC is not currently compensated for links to Achieve. Achieve is referenced because it is the lender used in the founder's documented debt-consolidation decision. Rates, fees, loan amounts and terms are set by the lender, can change at any time, and must be confirmed directly with the lender before applying.

Why this lender appears on PDC

Achieve is named here for one reason: it is the lender behind the single consolidation decision PDC can document first-hand. This page is not a recommendation, a ranking or a review of the lending market. PDC has not compared Achieve against other lenders in a way that would support calling it better, and does so nowhere on this site.

If you are considering consolidation, the responsible move is to gather at least two or three written offers and compare them on the same seven figures, whether or not Achieve is one of them.

What happened in the documented case

A fixed-rate personal loan replaced several high-interest credit-card balances. Required monthly debt payments fell by approximately $469, and once other bill reductions in the same month were included, total monthly obligations fell by approximately $619 over a 36-month term.

The balance owed did not fall. An origination fee was deducted from the proceeds, and the paid-off cards remained open. Full detail, including what did not improve, is in the founder case study.

This is one applicant's outcome. Approval, rate, fee and term depend on the applicant and on the lender's criteria at the time, and are not predictable from someone else's result.

Current terms

PDC does not publish Achieve's APR range, loan amounts, terms or fees, because those figures change and a stale number on this page would be worse than no number. Check them on the lender's own page below, and confirm them in your written offer.

Review Current Terms on Achieve(opens in a new tab)

What to verify before applying anywhere

  • What is the APR, including all fees?
  • What is the origination fee, and is it deducted from the amount I receive?
  • What is the repayment term, and what is the total amount I will repay?
  • Is the rate fixed for the whole term?
  • Is there any penalty or fee for paying the loan off early?
  • Is the loan secured by any property or vehicle?
  • What happens if I miss a payment, and when is it reported?

Where to look beyond this page

Compare offers from your own bank or credit union, from at least one other online lender, and against simply continuing your current payoff plan. A side-by-side view of the four directions may help you decide whether a loan is the right instrument at all.