Achieve

Achieve, digital personal finance for debt consolidation

Achieve is a digital personal finance company that offers solutions for managing and reducing debt, as well as personal loans and home equity loans. Its offering is built around debt consolidation, with options ranging from personal loans to financial relief programs, including home equity lines of credit.

Personal loans for debt consolidation

The company offers personal loans with fixed rates as low as 6.25% APR, amounts up to $50,000, and flexible terms of 2, 3, 4, or 5 years. Funds can be sent in as few as 24 hours, and there is no prepayment penalty. The minimum credit score required is 560, although the company says it evaluates your overall financial situation, not just your credit history. Checking your rate does not affect your credit score.

Home equity lines of credit (HELOC)

Achieve offers home equity lines of credit with fixed rates as low as 5.75% APR, access to funds in as fast as 5 days, and amounts up to $700,000. They are designed for homeowners and let you turn home equity into cash without refinancing your mortgage. Checking your rate also does not affect your credit score.

Debt relief without a loan

For those who cannot afford to fully repay their debts, the company offers a financial relief program that does not require a minimum credit score. This service can resolve debts of between $7,500 and more than $100,000, negotiating with creditors on the client's behalf, with an estimated resolution time of 24 to 48 months. According to the company's own information, the debt relief process typically causes credit score damage.

Comparison of consolidation options

Achieve's website includes a tool that compares different alternatives based on the debt amount. For a $20,000 debt, the company shows illustrative estimates: the non-loan debt relief program would involve an estimated monthly payment of $368, with a total to pay off of $18,500 over 49 months; personal loans, with a minimum credit score of 560, would mean $557 per month, $33,478 in total, and 60 months; home loans, with a minimum score of 600, would involve $230 per month, $41,485 in total, and 180 months; and keeping up minimum payments to current creditors would amount to $728 per month, $71,324 in total, and 375 months. These figures are estimates based on prior results and vary depending on each person's specific debt.

Tools and educational resources

In addition to its financial products, Achieve provides users with calculators and educational resources: a borrowing power calculator for lines of credit, a debt-to-income ratio calculator, a calculator to estimate the cost of debt settlement, and a financial glossary. It also offers the Achieve GOOD app, designed to help you get out of debt faster, and the Achieve MoLO app to help you manage your money better. The company publishes articles, blogs, and videos on personal finance.

Track record and recognition

According to the company's own data, the companies in the Achieve group have served more than 2 million members since 2002, resolved over $20 billion in debt, and originated more than $14 billion in loans. Achieve is a Better Business Bureau Accredited Business and has a 4.8 out of 5 rating on Trustpilot from more than 12,000 reviews. The company has also received third-party recognition: NerdWallet named it the best option for joint debt consolidation loans in July 2026, and LendingTree included it among the top three for customer satisfaction for personal loans (2025 and Q1/Q2 2026) and for home equity loans (Q3/Q4 2025).

Service approach

The company highlights a digital application process with integrated guidance and support from specialists, as well as personalized solutions that may include alternatives outside its own product lineup. Among the advantages it cites for debt consolidation are combining multiple payments into a single fixed monthly payment, reducing the total cost of debt by avoiding long-term interest, and the possibility of paying off debts sooner than by making only minimum payments to creditors.