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.
- 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)
Featured 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.
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 April 18, 2026
Going through Achieve for a loan was easy. Their online process was very user-friendly. It was easy to fill out the application and the process had taken about 15 minutes. Their staff answered every question that I had. They were helpful. They were very knowledgeable and, they were able to give me a response right away to everything that I asked. If you're looking for a place to get a loan, I would recommend Achieve. It's an easy process overall and their associates are very helpful and knowledgeable about the company and what they offer. They helped me by getting me to be approved for the loan. Then, the loan helped my current situation as far as getting caught up on bills.
Thank you for your glowing review! We're thrilled to hear that your experience with Achieve was straightforward, and that our online process was user-friendly and quick. Knowing that our team could promptly answer your questions and serve you efficiently is very encouraging. It's wonderful to hear that the loan has been beneficial in helping you manage your expenses. Your recommendation means a lot to us, and we're delighted we could be a solution in your financial journey. Should you ever need further assistance or have any more questions, please feel free to reach out. Thank you for choosing Achieve!
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Reviewed April 10, 2026
I did a first time buy and I had a nice experience with Achieve. The majority of the application process was online and it was easy. The rate and terms were not the best, but they were fair. The reps were friendly and knowledgeable and I would definitely refer friends.
Thank you for choosing Achieve and sharing your experience with us! We are delighted to hear that your first-time experience was positive and the majority of the application process was seamless online. Our team always strives to provide friendly, knowledgeable service, and it's fantastic to know you sensed that commitment. Your feedback about our rates and terms being fair is appreciated, and your recommendation means the world to us. If you have any questions or require further assistance in the future, feel free to reach out. Thank you for recommending us to your friends!
Reviewed April 7, 2026
Everyone involved in my Achieve loan was courteous and responsive to my needs and any questions I had about my loan. I'm happy to say it was a Great experience with the professional and detailed help from everyone involved. I would recommend this company to especially first time users like me who had tons of questions that were answered. Thank you.
Thank you for sharing your positive experience with us! We're thrilled to hear that our team's courteous and responsive approach helped create a smooth loan process for you, particularly as a first-time user with many questions. Your recommendation means the world to us, and we're glad we could provide detailed, professional help that met your expectations. Should you have any further questions or need assistance down the line, please don't hesitate to reach out to us. Thank you once again for choosing and trusting us!
Reviewed April 3, 2026
Out of all the other companies I reached out to, when it came to the closing cost, Achieve was by far the leader. My experience was professional and quick. I told them what I needed, and they met it. The application process was standard for a loan. The whole process took less than 10 days. Compared to other transactions I've done like this, this is the quickest and it was inexpensive for what I got. Achieve allowed me to get the funds I needed quickly. They also returned my calls in a timely manner or through email.
Thank you for sharing your wonderful experience with Achieve! We're thrilled to hear that you found the process professional, quick, and cost-effective, and appreciated our prompt communication. Ensuring a swift and smooth journey is a top priority, and it's encouraging to know we met your needs and returned your calls and emails timely. Your satisfaction is our ultimate goal, and your feedback helps reinforce our commitment to exceptional service. Should you require any assistance moving forward, we're always here to help. Thank you once again for choosing Achieve!
Reviewed March 26, 2026
Achieve is an excellent company, very easy to work with, and they do their best to meet your needs. They also seemed like they were more willing to go out of their way to help find your solution to your situation. The application was all done online, and they sent out an appraiser to the house. I didn't have any issues with them at all. It was all pretty much cut and dry, and what they said they could do, they did, and they did it within the time they said they would do it. They didn't try to push me to get more. They were just interested in what I was interested in getting done and what I was trying to accomplish. And once they found out what that was, they matched everything to where I wanted to be, and it all went together just like clockwork. The rates they gave me are about average with everybody else I talked to. Then, Rosemarie, the lady that worked with me, was exceptional. She went above and beyond her call of duty. Their online tools worked well, too.
Thank you for your glowing feedback! We’re thrilled to hear that you had such a smooth experience with Achieve. It's fantastic to know that our team was able to facilitate a straightforward process and tailor solutions to best meet your needs. Rosemarie’s exceptional service clearly made an impression, and considering every detail seamlessly fell into place, it affirms our commitment to efficiency and customer-focused service. We're glad that the rates matched your expectations and that our online tools effectively supported your needs. Should you require any more assistance or have questions in the future, we're just a call away. Thank you for choosing Achieve!
Reviewed April 8, 2026
Everything in the beginning seemed very smooth until closing. I was told I could put the money back right away for my HELOC but that was a lie. They immediately send you the funds then you have to wait weeks for them to set up an account for you so that you can send it back. I’m on week 3 and they still haven’t even set my account up or sent any paperwork in the mail. I asked 3 times in the beginning if I could put the money back so I don’t start accruing interest and I was told yes, I could immediately send it back then use it when I actually needed it.
We apologize for the inconvenience you've experienced with the setup process for your HELOC account. Please expect direct support from one of our account specialists who will guide you through the resolution and ensure specific corrective actions are taken promptly. Thank you for sharing your concerns as it helps us to improve effectiveness and avoid procedural hurdles in the future.
Reviewed April 7, 2026
Made me an affordable monthly payment. This loan will also allow me to borrow from in the future without reapplying for a new loan. Terms were reasonable and can pay back principal payment only at any time.
Thank you for sharing your positive experience with us! We're thrilled to hear that you found the monthly payment plan affordable and the loan terms reasonable. It's wonderful to know that our repayment flexibility and the option to borrow again without reapplying suits your needs. Providing such features for our valued customers remains a top priority, and we're glad we could meet your expectations. Should you need any further assistance or have additional questions, feel free to reach out. Thank you for choosing us!
Reviewed April 7, 2026
Everyone was extremely nice; professional; efficient and explained every step. All questions were immediately addressed to the fullest. Emails were answered quickly the turnaround was unexpected and we were able to close within a week.
Thank you for sharing your fantastic experience with us! We're thrilled to hear that our team provided you with excellent service by being professional, efficient, and thorough every step of the way. It's wonderful to know that your questions were answered promptly and that everything culminated in such a quick closing process. We're committed to delivering exceptional service and are delighted that we met your expectations. Should you need any further assistance, feel free to reach out. Thank you for choosing to work with us!
Reviewed April 7, 2026
Ryan was wonderful! We are very happy with Achieve. Ryan worked to get us a solution and we are grateful. Every step of our HELOC was handled accurately and seamlessly. We couldn't be happier. Achieve HELOC was a lifesaver.
Thank you so much for your wonderful review! We are delighted to hear that Ryan and our team could facilitate a smooth and seamless HELOC process for you. It's rewarding to know that every step met your expectations and played a vital role in helping you out. We're grateful for the opportunity to assist, and your happiness means the world to us. Should you have any future needs or questions, we're just a call away. Thank you once again for choosing and trusting Achieve!
Reviewed March 7, 2026
I applied for a HELOC loan with ACHIEVE LOANS. Closing was with LENDAGE, LLC DBA ACHIEVE LOANS. Closing date was February 19, 2026 and the Disbursement date was supposed to be on February 24, 2026 in the amount of $ 67,500 to cover my credit cards expenses. The paperwork was signed in front of a Notary Public in my State of North Carolina.
On February 27, 2026 I received a call from Miranda ** from their Underwriting Department Tel # ** informing me that my loan not been had approved and that I will be receiving a letter of explanation as to the reasons why within 4 to 5 days. I further asked if they were not going to put any lien on my home since the HELOC was canceled and I was told absolutely not. As of today, I have not received any letter, I have called her and left numerous messages and have not received any of my calls returned. I am 79 years old and my home is my only possession, my only income in my social security. I cannot afford to hire a lawyer. These people really mislead me into believing they could help me payoff my credit cards bills.
We appreciate you bringing this situation to our attention. We're genuinely sorry to hear about the experience you encountered and understand the importance of your concerns, particularly given your circumstances. We sincerely apologize for the miscommunication and inconvenience this has caused you. Rest assured, we are here to help. Please expect an outreach from an account specialist who will assist you with further clarifications and support on this matter.
Achieve Loans Company Information
- Company Name:
- Achieve Home Loans
- Website:
- www.achieve.com
