Achieve Loans Reviews
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About Achieve Loans
Achieve Loans (NMLS #1810501) offers home equity lines of credit (HELOCs). Its product is targeted toward people struggling with high-interest debt, like credit card debt. With a HELOC from Achieve, borrowers can consolidate multiple high-interest debts into one monthly payment. Achieve’s HELOC has a fixed annual percentage rate and a loan term of 10, 15, 20 or 30 years. Achieve also offers personal loans and debt relief options through Freedom Debt Relief.
Visit www.achieve.com- Good for debt consolidation
- Access up to $300,000
- Fixed interest rate
- Funds in 10 to 12 days
- Origination and underwriting fees
- Limited availability (25 states currently)
Helpful Reviews
What is Achieve Loans?
Achieve Loans, formerly Lendage, launched in 2019 and is based in San Mateo, California. It's part of the broader Achieve family of companies, which has a history of serving over 1.5 million customers.
Achieve allows homeowners to use the equity in their home to open a fixed-rate HELOC up to $300,000 they can use for purposes like debt consolidation, home renovation and education. These HELOCs are often used by homeowners to consolidate higher-interest debt into one single monthly payment — often at a lower interest rate. Achieve states that customers can save up to $800 per month on debt payments when they consolidate with a HELOC.
How does Achieve Loans work?
The process of getting a HELOC with Achieve happens in four simple steps:
- Consultation: You speak with one of Achieve’s mortgage advisors to get a free assessment of your eligibility for a loan. Pre-qualifying takes two minutes or less.
- Compare options: Your advisor gives you a full analysis of your loan options, including loan amount, payments, rate, debt you can consolidate and the total cost to you. The amount you can borrow depends on factors like how much equity you have and your debt-to-income ratio (DTI).
- Simple application process: Applying takes just minutes, and it only takes a few days for the Achieve team to gather and verify your information and decide on your application.
- Fast closing: Achieve can close on your HELOC and give you access to your line in as little as 10 to 12 days.
Once your HELOC is approved, you have a draw period of 60 months. During this time, you can use the line of credit to consolidate your debt. As you make payments, you’ll have access to subsequent draws.
Achieve doesn’t charge a prepayment penalty, so you can make a payment in excess of the required minimum at any time without extra fees.
Achieve Loans rates
Achieve's HELOC APRs range from 8.75% to 14.75% at the time of publishing. Depending on where you live, there may be fees associated with opening a HELOC:
- Loan origination fee: 3.5% of the line amount due at closing
- Underwriting fee: Typically $725 due at closing
- Third-party fees (title company fees): Depends on the loan amount and state you’re in
You can have your APR reduced by 0.50% if you enroll in automatic payments from a deposit account.
Achieve Loans FAQ
How much can I borrow from Achieve Loans?
Achieve offers HELOCs in amounts from $15,000 up to $300,000.
What are Achieve loan terms?
An Achieve HELOC has a draw period of 60 months (five years) with loan terms of 10 or 15 years.
Who should get an Achieve loan?
Achieve loans are good for borrowers who own their home, have a credit score of at least 600, and have a loan-to-value (LTV) of under 80% and are looking to consolidate balances on multiple high-interest credit cards.
Who services Achieve’s home equity lines of credit?
Achieve HELOCs are offered through Achieve Loans.
Is a HELOC a bad idea right now?
A HELOC can be a good idea for many homeowners who’ve built up enough equity in their home to use as collateral for their loan. However, as with any secured loan, borrowers should exercise caution, since you could lose your home if you default on your payments.
Still have questions?
Is Achieve Loans legit?
Achieve Loans is a legitimate HELOC provider. An Achieve HELOC may be a good choice for those with home equity looking to consolidate high-interest debt on multiple credit cards. You can borrow up to $300,000 and pay it back at a fixed rate over 10 or 15 years. Before taking out a HELOC, however, you need to understand the loan is secured by your home — so you risk losing your home if you don’t meet your repayment obligations. If you decide you’re interested, contact the company for a free consultation with an Achieve mortgage advisor.
Achieve Loans Reviews
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Reviewed June 24, 2026
I'd recommend Achieve, but I would tell people to be careful. Go through the process. Make sure you ask them questions. I didn't. They would service it by somebody else. Be careful with that. You roll over easy. You know what you're doing with the other person. It worked me good. They paid three cards off, and gave me some spending money, not as much as I wanted, but my credit score’s got a little higher for what I want. I'll probably pay Achieve off here in the future.
The lending process was smooth until Achieve Loans sold it to somebody else to maintain it. That was when I haven't been on Achieve since, because I couldn't find out how to get on. There are verification codes. Old people don't know how to get on there. I couldn't even get online to see. I had to call Achieve to ask them about Shellpoint. I like to be on online and check my balance. If I wanna pay more, I can. I like to know when it's due, so I can rotate my money into it. However, I haven't been able to get online. I'm very upset. I’m just waiting for Achieve to take their money out, whenever the date we said, until I can get back on. It's very frustrating for us old people because we're not born computer literate. I wanna get an app for it so I can just put myself on it every month and see what's going on.
After I did the loan and Achieve sold it, and after I okayed and they okayed the loan and did all that, on a scale of 1 to 10, it’s a 7 to try to get ahold of them. The number has changed or discontinued. I couldn't find a person to help me originate the loan. "We got you. We signed you up. And now we’re gone.” The rep was okay. He helped me through it. At the end, I had a couple other people who needed some more information. But that process went smoothly. He signed me up, done. But when I went to Shellpoint, they called me, saying, “We need your flood insurance paid.” I said, “If Achieve took my loan, I sent Achieve all those papers, or they wouldn't approve my loan.” I had to straighten her out. She said, “Okay. You all caught up now.” There's some kind of miscommunication somewhere between them when you close a loan. I don't know what it is.
Thank you for sharing your experience. We're pleased that Achieve's lending process met your expectations initially, but we're sorry to learn about the difficulties you faced after your loan transitioned to Shellpoint. Ensuring a smooth servicing experience is a priority, and we're here to help answer your questions about account access and debt management. Don't hesitate to reach out directly for added assistance. Your feedback is very important to us, and we’re dedicated to improving your experience.
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Reviewed June 19, 2026
I had all my ducks in a row, and I had everything ready and waiting. Achieve made it very simple. It was literally one phone call, then upload some stuff, three emails, and next thing I know, money was in the bank. So, my cards were paid off. If you're in a tight spot, give them a chance and hear them out. So far, it's worked out really good for me.
Thank you for sharing your positive experience with Achieve! We're thrilled that you found the loan process straightforward and timely, especially compared to your previous experience. It's wonderful to know we could help ease your financial process and meet your needs efficiently. Your satisfaction is our priority, and we appreciate your recommendation. If you ever need further assistance or have any questions, please feel free to contact us. Thank you for choosing Achieve!
Reviewed June 6, 2026
Funky timeline, but overall satisfied. Sought out services for a HELOC, but had to go through a rigmarole of steps that pushed the timeline out from what was communicated. My communications were well responded to and everything has been incredibly smooth; however I felt like the timeline offered was misleading. “Yea we can get this done in about 10 days,” turned into about two months+. I was clear from the beginning that I wanted a HELOC, not a loan. I repeated this several times and verified every step when paperwork kept saying loan loan loan. I don’t want a loan, I want a HELOC. “Yes this is just how you gain access to your equity.” Ok, that doesn’t sound right, but let’s trust the process.
If you go with this provider, just know there are multiple steps to finally getting access to your LOC: getting approved and closing on a home equity loan with language that opens a LOC eventually (~10 days), transfer of service to another provider (~3 weeks), repayment of original loan to new provider (15 day draw freeze until posted).
I am currently in the 15 day draw freeze before I can actually access the LOC, but am being sent checks now for when the freeze is lifted so I can access right away. Customer service has been excellent, but I wish they would have explained all these steps up front. What I got was “we give you the money, then you turn around and give it back to open the LOC.” Always sounded suspicious to me, but going through the steps this is eventually true in a roundabout way. I appreciate the customer service and would go with them again, but I would encourage them to be more up front with what is actually going to happen every step of the way for better transparency instead of making it sound simplistic and quick. It isn’t.
Thank you for your detailed feedback and for choosing our services for your HELOC needs. We understand the importance of accurate timelines and transparent communications, and we're sorry for any discrepancies in the upfront process explanation. While we're delighted you found our customer service responses timely and effective, your thoughts about increasing upfront transparency are invaluable and will be taken to heart for improvement. We appreciate your positive consideration and trust in our service.
Reviewed June 6, 2026
I was looking to pay a couple of things off and do a project around the house. I ended up getting a better option thru Achieve than getting a personal loan from Navy Federal. I had a guy contact me and talk me through it. It seemed like it was pretty easygoing and professional, so decided to go for it. The process as very simple, easy, and took a week to complete. I had to call one time and I left a voicemail. Josh called me back within 30 minutes, so their response as quick. I wish the interest was a little bit lower. But for the amount I got and what I got cashout-wise too, it was fair. I liked how quick they handled things where I didn't have to get the money then pay off the creditors. And within a week or two, they were all squared up and paid for. That was really cool. For my payments, autopay was all set up, so it was not like I had to worry about anything. They stayed in touch too, so that was nice.
Thank you for sharing! We're delighted to hear that our team’s professionalism and prompt responses made your process easy and stress-free. It's great to know you appreciated the convenience of autopay. While we understand you wished for a lower interest rate, we're glad you found the outcome fair. We value your feedback and strive to continuously improve our services. If you have any questions or need further assistance in the future, please feel free to reach out. Thank you for choosing Achieve!
Reviewed May 26, 2026
I consolidated all my cards and had a loan, and then Achieve reached out to me about another. I hoped to have a decent payment where I can pay everything that I need to pay off and have a bit of money in terms of emergencies that came up, and they helped me achieve that. The process was great, and the reps were all very professional. They answered all my questions, if I had any, and helped me through the process every day. Everybody can get in a little jam here or there, but they were very “Let us try to help you.” They were right there. They did their job well and I'm satisfied. Overall, my experience has been good and I'd tell people to call and talk to Achieve. I'm sure they can help them out. They will try everything they can.
Thank you for sharing your experience with us! We're pleased to hear our team helped you achieve your financial goals efficiently. It's wonderful to know our process stood out for clarity and professionalism. Helping clients navigate and attain answers ensures our commitment to exceptional service. We truly appreciate your encouraging words and recommendation. If you or anyone you refer needs assistance, we're here and ready to help. Thank you for choosing us!
Reviewed July 11, 2026
I like the affordability with Achieve Home Loans and when I did the application, the process was easy. Everybody was very helpful. Dealing with customer service was good all the way to signing the documents with us. From start to finish, the process took about three weeks. Achieve did a great job.
Thank you for sharing your positive experience with Achieve Home Loans! We're thrilled to hear that our affordability, simplicity in application, and excellent customer service made your process successful. If you have any questions or need assistance in the future, don't hesitate to get in touch. Thank you for choosing Achieve Home Loans!
Reviewed July 8, 2026
1. Achieve should offer standard HELOC as a line of credit rather than mandatory funding. 2. Time from funding to servicing setup is unreasonably long. 3. Achieve should have a bridge department between Achieve and loan services including (human) contact information indicated on the Notice of Servicing Transfer.
Thank you for your detailed feedback. We hear your suggestions on providing more flexible Line of Credit options and streamlined setups between funding and servicing. We appreciate your input on improving personalized support. Your insights are valuable and will guide our efforts to enhance our service. If there is any more immediate assistance we can provide, please let us know.
Reviewed July 8, 2026
We have a construction project that we're endeavoring in the next year, so I wanted to make sure that we had financing secured for that. I was exploring refinancing, and after Achieve received a request from an aggregator, they reached out to me on email. The loan process was relatively simple and communication was smooth. They won in the end. They were proactive, and I enjoyed that we could communicate over text. It was straightforward.
I have one open issue with Achieve, so it's not all roses, but I would characterize them as efficient. They were able to meet our requirements too. These loans are relatively all the same at this point. So, we want to have someone who's efficient and someone who's able to be responsive in communication. People should look at them. They'll get what they're looking for.
Thank you for taking the time to share your experience with us! We’re pleased to hear that our team’s proactive communication and simple, efficient loan process met your expectations. It's great that we could be responsive and fulfill your financing needs for your construction project. We're here to help resolve any outstanding issues – please don't hesitate to reach out. We appreciate your recommendation and look forward to supporting your future endeavors with timely service.
Reviewed July 7, 2026
We were in need of financial help due to medical and credit card debt. Achieve made it a very easy process from start to finish. Helped incredibly. Would choose Achieve again if I ever needed another loan.
We’re so happy to hear that your experience with Achieve was seamless and supportive during a challenging time. It’s great to know that we were able to make the process simple for you from start to finish. We appreciate your continued trust, and we’re here to help whenever you might need assistance in the future. Thank you for choosing us for your loan needs!
Reviewed July 7, 2026
Easy and very simple process for my HELOC loan. Only loan company in about 5-6 different companies that would help me out! I was very fortunate that the loan processor contacted me right away and the paperwork was easy to handle. Not much work on my end. Loan processer did all of the work for me!!
We're delighted to hear that your experience with us was simple and efficient with your HELOC loan! It's fantastic that our team could assist promptly and handle the paperwork, allowing you minimal involvement. We take pride in making the loan application process smooth and accessible for our customers. If you have any further questions, feel free to contact us. Thanks for choosing us—your trust is appreciated!
Achieve Loans Company Information
- Company Name:
- Achieve Home Loans
- Website:
- www.achieve.com
