Achieve does require applicants to declare their income and employment status. You will also need to supply a valid ID as part of the loan application. Achieve will need to verify your income and may check your bank account. However, in many cases, supplying supporting documentation such as pay stubs, bank statements or tax returns could negate the need to check your bank account. If you can't meet the minimum requirements, you can compare other personal loan lenders. Keep in mind to pre-qualify so your credit score won't hurt. Also, there are alternatives to personal loans you may want to consider.