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Good Day Loans

Achieve Personal Loan

Best for: borrowers with fair credit

The lowest starting APR we track (6.25%) and a stated minimum score of 560.

Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

At a glance

APR
6.25–35.99%
Amount
$5K–$50K
Terms
2 years – 5 years
Min. score
560

Example: borrowing $2,500 over 3 years with good credit would cost about $90 a month and $859 in interest and fees.

Strengths and trade-offs

Strengths

  • Lowest starting APR we track (6.25%)
  • Stated minimum score of 560
  • No early prepayment fees

Trade-offs

  • Origination fee of 1.99% to 9.99%
  • Minimum loan is $5,000
  • Score of 660 is needed for debt consolidation loans of $35,000 or more

How it compares

The starting APR is 2.49 percentage points below the median of the 12 personal loans we track (8.74%). Bars below share one scale.

5% APR40% APR

Rates, fees and terms

APR range
6.25% – 35.99%
Loan amount
$5,000 – $50,000
Terms
2 years – 5 years
Origination fee
1.99% – 9.99%
Minimum credit score
560
Time to funding
As soon as next business day
Prepayment penalty
None
Collateral
Unsecured
Lender type
Online lender
  • Achieve states funding takes 1 to 3 days after approval.

Figures read from achieve.com on Sep 21, 2026. Terms change without notice, so confirm with the lender.

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