- Option to pre-qualify with a soft credit check
- Multiple rate discounts
- Direct payment to creditors with debt consolidation loans
- Joint loan options
- May charge origination fee
- Not available in all states
- No mobile app to manage loan
Minimum credit score: 620; borrower average is 700
Maximum debt-to-income ratio: 45% excluding mortgage
Minimum income: None; borrowers' average household income is $115,000
Minimum credit history: 3 years and 2 accounts
Not actively delinquent on debt and no bankruptcy in the last 24 months
Must be a US citizen, permanent resident or visa holder
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San Mateo
California
94402
United States
Achieve is best for borrowers who want to take out a moderate to sizeable amount of money, as the lender has high minimum loan amounts, but also a high maximum. The lender is also particularly attractive to those who may want to apply with a co-borrower to get a better rate, as some companies don’t allow co-borrowers. However, borrowers who want a smaller loan amount will have to go elsewhere, as you must borrow a minimum of $5,000 with Achieve.
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