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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.

Pros
  • Good for debt consolidation
  • Access up to $300,000
  • Fixed interest rate
  • Funds in 10 to 12 days
Cons
  • Origination and underwriting fees
  • Limited availability (25 states currently)

Achieve Loans Reviews

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    Page 3 Reviews 35 - 235
    Verified purchase
    StaffTransparency

    Reviewed Dec. 5, 2025

    I have never dealt with a more efficient and timely company. Everything was straightforward and handled with care. From start to finish, the whole process was transparent. All of my questions were answered right away. Aimee was fantastic. She helped me figure out my needs and got me there. The rest was a piece of cake.

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    Customer ServiceStaffBillingLoan ProcessRates

    Reviewed Nov. 24, 2025

    This is my first month with Achieve Loans. I applied with them due to their flexibility and rate. The application process was very easy, and the customer service rep who helped me, Jeremiah, was very responsive. He was really good. I haven't made a payment yet, but so far, Achieve Loans has been great.

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    PriceStaffBillingLoan ProcessRates

    Reviewed Nov. 22, 2025

    The whole process with Achieve was fantastic. I did not realize that I had a lien on my home. I ended up getting hurt in 2011 and I was on disability for seven years. I went through a program to lower my mortgage rate and the program that I went through put a lien on my house to drop my monthly payment down. I knew about it, but I didn't realize it was a lien.

    They ended up coming back to me and said, “You got a lien. We could pay off your lien and do what else you need to do for a decent amount,” which was a lot cheaper than what I was paying before, as far as my credit card debt. So I was able to pay everything off. I got enough money through the home equity loan to pay off the lien and my credit card debt that I had.

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    Customer ServiceRefunds & PayoutsStaffLoan ProcessRates

    Reviewed Nov. 22, 2025

    The loan officer was great. I was impressed with his experience, and I was able to reach him easily. He was also very informative and knew everything off the top. There was no getting back to me. All the support people were really nice too. I would either text message them or message them on the portal, and they would get back to me immediately.

    When I applied for a HELOC loan, I had to upload some documents to my online portal. It was easy and I received the money within two weeks. The rate and terms are good, but I'm only gonna pay for it for a month 'cause I'm in the middle of selling my house. So, I'm gonna repay this HELOC loan by January.

    If someone's in need of some money or if there's anything they need, I'd advise them to look at Achieve Loans and their rates, because it was decent compared to other competitors.

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    Customer ServicePunctuality & SpeedStaffBillingRates

    Reviewed Nov. 11, 2025

    I filled something out, and somebody from Achieve called me. The original guy I talked to was excellent. If he didn't answer, he called me right back. He answered everything timely and made things simple for me to understand. The application process wasn't too bad as well. The only thing that took forever to pay were certain stuff that were supposed to be paid off. I paid off some credit cards, but by the time they were finally paid off, I had to pay the interest that recurred.

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    BillingRates

    Reviewed Nov. 6, 2025

    Achieve Loans provided my family a great, easy to accomplish, fixed rate HELOC which was 75% or more lower than all our revolving credit card debt. They took my app mid October and funded in under 2 weeks and paid all our debt off and $33k for home repairs, starting with our roof this Monday. Life changing!

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    StaffLoan ProcessRates

    Reviewed Nov. 6, 2025

    The pros of the loan process were that it was friendly and informative, and they provided a few assistants. I was able to get the loan I needed at an acceptable rate. The con was the extended document requirements added on a day-to-day basis during that process. I’d have been confident knowing all the requirements at the start.

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    PricePunctuality & SpeedOnline & AppRefunds & PayoutsStaffBillingRates

    Reviewed Oct. 21, 2025

    The application with Achieve was easy. The process took three weeks from start to finish. I filled out an online application, spoke to a rep, submitted the required documents, signed the paperwork, and the funds were dispersed as required. I was actually happy with the rate and terms of the HELOC.

    When it came to the payment of the credit cards, the way that they did it was weird. Not all of them had the most accurate data, so there were a number of accounts that got overpaid. That would really be my only undesirable aspect of the process.

    There were no real issues with the representatives. They were very knowledgeable and patient. It actually went relatively smooth. They were super accommodating with my schedule, very friendly, and helpful. If I had to do it again, I would definitely use Achieve again. It was surprisingly easy to take care of. If you're looking for an easy process, friendly staff, they’re the place to go.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Oct. 21, 2025

    Achieve Home Loans offered the best rate and terms when I was looking into a HELOC. I shopped around, but they gave me the best option out of four or five different places I went to. I obtained the loan because I needed to put in a new septic system. I filled something out online, got a phone call, and just did the work.
    They reached out via email and text whenever I needed to do something I had missed, and they took care of it. It was all online. The process was quick and painless, and their customer service representatives were always kind, courteous, and helpful. I needed to make a small change to the loan at the last minute, and they were able to do that. It was a great experience, and I had nothing to complain about.

    If I needed to do it again, I’d go with them.

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    Loan Process

    Reviewed Oct. 13, 2025

    I want to thanks Rich **, Angela, Nayely ** and anyone who had the responsibility in processing the loan application for approval. The loan is a blessing and a breath of fresh air with a deep feeling of relief. Thank you so much of your time in explaining the details of the loan.

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    Customer ServiceTechTransparency

    Reviewed Oct. 7, 2025

    I am overjoyed by my recent experience with Achieve; from initial contact to final contract, the experience exceeded my expectations. Using 21st-century innovation with 20th-century personal contact provided customized customer service. The experience was efficient, transparent, and expedient. The process to include final funding took less than 10 days. I felt like I had a team that supported me from start to finish with the ability to track the process with an automated real-time update dashboard. I would use Achieve again and definitely will expand their brand.

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    StaffLoan ProcessRates

    Reviewed Oct. 7, 2025

    Paul ** is the best loan adviser I've ever used. All of the team members associated with my transaction were truly five star professionals. I would recommend Achieve to anyone who needs guidance on the right path to help get your financial life back on track. Their rates are fantastic compared to other companies.

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    Customer ServiceStaffLoan ProcessRates

    Reviewed Oct. 2, 2025

    I was on Credit Karma when I heard about Achieve Loans. The customer service was amazing. It was very easy getting a loan through them. They did a great job. I would give them the highest star rating.

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    PriceRefunds & PayoutsLoan ProcessRates

    Reviewed Sept. 24, 2025

    David did an exceptional job. The closing was exercised perfectly. Documentation was on hand. Achieve Home Loans even refunded me a filing fee that they charged by mistake. I was taken aback by the transfer to the other entity, but the accompanying paperwork explained the transfer, and as a businessman, it makes sense. You originate the loan, you sell it. I get it. I got good service and a good interest rate, and I closed in a timely fashion.

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    Punctuality & SpeedStaff

    Reviewed Sept. 19, 2025

    Very pleased with the prompt process with Achieve. The contacts from R. **, mortgage advisor, and Alejandro **, processor contact, were greatly appreciated. They kept me posted on my progress and assisted when I requested their help. The paperwork received and the e-mails received were very informative and helpful. Thanks to them and everyone involved in this process.

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    Loan Process

    Reviewed Sept. 19, 2025

    I was extremely happy with the service provided by the Achieve Team Members. They made every step simple and were always available to answer questions when they would arise. They eradicated the possibility of any unneeded stress while going through the loan process. It was my pleasure to work with them!

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    Punctuality & SpeedStaffLoan Process

    Reviewed Sept. 19, 2025

    My family and I were given an incredible deal when applying for a home equity loan. In under a week, I was approved and funded. All my creditors were paid off with 48 hours after funding. I never heard of a process this quick and efficient. Sean and his team were absolutely incredible to work with and I can't thank them enough for redirecting our financial future for the better. I highly recommend Achieve for all home equity needs. I truly believe they saw past my credit score and looked all other factors financially. Can't thank the team enough again.

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    Customer ServiceStaffLoan Process

    Reviewed Aug. 20, 2025

    Achieve Loans was extremely helpful. I was on a tight timeline and my deadline was met. Customer service was good and my application for HELOC was approved in three weeks. I was very satisfied.

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    Customer ServiceStaffLoan ProcessRates

    Reviewed Aug. 20, 2025

    I already had done business with Achieve Loans before, so it was more convenient to go with them again this time. I went online to apply, and they reached out to me within 10 minutes. That’s the reason I went with them. They were on the ball. The representative was pleasant and very helpful. He asked all the right questions and helped me get the right product. I’m fine with the rates and terms. It’s definitely well within what the market standards are. I’m very pleased with Achieve.

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    StaffLoan ProcessRates

    Reviewed Aug. 10, 2025

    I looked into HELOC because I had to consolidate. The interest rates were just too high. I spoke to a loan officer from Achieve and the officer was very helpful. The experience was really good.

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    Customer ServiceLoan ProcessRates

    Reviewed Aug. 9, 2025

    I did a Google search for a HELOC, and that’s what led me to Achieve. The loan process went smoothly and was fairly easy. It took three weeks from the application process to actually receive the funds. Both the customer service and the communication were good, and the rate and terms were good as well.

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    Punctuality & SpeedOnline & AppStaff

    Reviewed Aug. 1, 2025

    Achieve was responsive and very prompt. The representative answered my questions immediately. The whole process was efficient and quick, and I had good results. It was easy navigating their website. It only took less than a week, and the service that they provided helped me tremendously.

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    Contract & TermsCoveragePriceRefunds & PayoutsStaffBillingHonesty & Transparency

    Reviewed Aug. 1, 2025

    I was without an air condition and needed a new unit. I was told it was going to cost me $20,000. This was the second summer that I was without an air condition, so I decided to get a HELOC. Another company told me they didn’t do HELOCs in Texas and come to find out, that was a lie. It was just by chance that I tried Achieve, and they decided that they would help me. However, I wasn’t expecting to have to pay off all my other bills first. But with the money I had left, it covered the AC.

    I was trying to get the second mortgage so that I could redo my kitchen and also get the new AC unit, but it didn’t really work out that way. I ended up having to pay my bills off, and then they paid off the house. It left me with money for the AC unit, which was more important than the kitchen at the moment.

    I didn’t have any problems whatsoever. I initially talked to Justin, if I’m not mistaken. He explained everything and helped me out. He basically walked me through it. He switched me over to another person that took it from there.

    The biggest problem I had was dealing with the computer to send my documents to them. I’m not computer-savvy. I finally got it taken care of. I thought there would be more as far as monthly payments, but it ended up being less. So, that’s great.

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    Punctuality & SpeedLoan Process

    Reviewed Aug. 1, 2025

    My wife did all the legwork looking for a place online and found Achieve Loans. She told me working with Achieve has been pretty seamless. The process was very simple, and everything worked out to our benefit. It’s been a positive experience. It was very quick.

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    Customer ServiceStaffLoan ProcessRates

    Reviewed July 22, 2025

    We wanted to tap into our home's equity without refinancing and affecting our original mortgage's low-interest rate. Our previous experience with Achieve was excellent, so choosing them again for a HELOC was a no-brainer. The loan process began online and their smooth service didn't disappoint the second time around. Their customer service, including interactions with loan officers and underwriters, was top-notch, and I'd confidently recommend them. Though the market influences rates, I found their terms fair and reflective of current conditions. Also, their online services, including document uploads, were incredibly user-friendly.

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    Customer ServicePunctuality & SpeedLoan Process

    Reviewed July 17, 2025

    I was searching for loans because I was going through a tough time. Achieve Loans' team was impressively quick and consistently on point, ensuring communication was seamless throughout every step of the way. I really appreciate that they genuinely honored my needs and delivered perfectly in every aspect.

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    Customer ServicePunctuality & SpeedStaffRates

    Reviewed July 17, 2025

    Two aspects that swayed me towards choosing Achieve were their impressive customer service and the attractive fixed rate offer.

    What I've appreciated most so far is the detailed communication and quick response times whenever I've had inquiries. This level of interaction has stood out to me as a noteworthy characteristic of their service. Achieve responds through both email and phone efficiently.

    They’re positive to deal with and appear helpful from the get-go.

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    Customer ServicePunctuality & SpeedStaffBillingLoan ProcessRates

    Reviewed July 17, 2025

    Achieve Home Loans was the first company I came across when I needed financing for a roof and signing up with them turned out to be a great decision. The customer service was exceptional; everyone I interacted with was helpful and attentive. While I naturally wished the rate could have been a bit lower, it was still better than the interest I was paying on my credit cards. Achieve Home Loans was prompt in their responses, and I was very pleased with the experience.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed July 12, 2025

    I selected Achieve for my home equity line of credit (HELOC) because it was right in front of me, and the process promised to be easy and quick. I started the application online and was later contacted by a representative. The customer service I received over the phone was excellent. The representative guided me through the documentation process effectively. They were familiar with the various external platforms needed to gather documents, which made everything very easy for me.

    However, I did encounter one hiccup. I was informed that the loan would fund on a Monday, but I misunderstood that to mean the money would be available immediately. It actually took 1 to 3 additional business days to receive the funds, which was a bit inconvenient as I had plans in motion. Knowing this beforehand would have been helpful.

    Despite this, my overall experience was positive. The process was fast and easy, and although the interest rate wasn't the best, the convenience made up for it. I would definitely recommend Achieve based on my experience.

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    Punctuality & SpeedStaffBillingRates

    Reviewed July 11, 2025

    I needed to look into getting home equity from my house to do some consolidation, and I did a Google search and came across Achieve. Between online and talking to the gentleman, the application process went seamlessly. It took two weeks and worked out well. The reps were very helpful across the three different stages. They were very quick to answer any questions that I had. Sometimes, I obsess over stuff a little too much and they were quick to reassure me that I was thinking correctly and explain everything to me.

    Achieve was good for what I needed to do. We were doing some debt consolidation, so the interest rate was lower than that of the credit card. It wasn't as low as what I could have gotten through my local bank, but I needed to have some stuff that I couldn't go through my local bank with. I would recommend Achieve.

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    Punctuality & SpeedStaffBillingLoan ProcessRates

    Reviewed July 11, 2025

    Achieve personnel were very professional and helpful with my loan application and provided me with the utmost courtesy doing the loan processing. I would strongly recommend to anyone seeking a loan. The process was very fast once all the paperwork was completed and the payments to my debtors has been made in record time. If I have to do this again, I will use Achieve loans again. If I gave my own rating it would be a ten.

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    Customer ServiceCoveragePricePunctuality & SpeedStaffRates

    Reviewed July 11, 2025

    Achieve was the first company to accept me for a HELOC which is something I was looking into to consolidate my expenses. The application process began with an initial application, followed by pre-approval and final approval phases. However, the underwriting process took substantially longer than expected, almost six weeks, during which I dealt with four different underwriters due to personnel changes.

    Throughout the process, the staff managed to remain consistently friendly, even though they seemed short-staffed, causing delays. It took longer than anticipated, but they eventually completed everything. Customer service-wise, I was a bit frustrated with the turnover in underwriters and the time it took to finalize the process, as I initially anticipated it to be a quick turnaround.

    I'd give Achieve a solid 3. The actual rate and terms I received met my expectations for today's market conditions, so I consider the price to be a 4. There's room for improvement, especially in the underwriting phase, to provide a more seamless experience. Nonetheless, they were friendly, got the job done, and now I'm awaiting fund disbursement.

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    Punctuality & SpeedStaffLoan Process

    Reviewed July 8, 2025

    We recently closed on a HELOC loan from Achieve Loans and the entire process from application to closing was a fast, stress free process. I would highly recommend. The only thing I find strange is I have to wait to get a special identification number in the mail before my online account can be activated. Not sure why this is their normal step in the process, but as soon as I receive the number in the mail, I can activate my online account with one of their representatives.

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    TechPunctuality & SpeedStaffBillingLoan ProcessRates

    Reviewed July 2, 2025

    What really convinced me to choose Achieve was their strong online reviews and high rankings from other consumers. Additionally, I was interested in looking into an HELOC to see if it could help manage my high-interest credit card debt without needing a full refinance. The process with Achieve was incredibly smooth and quick. It took roughly two weeks from start to finish, with the approval coming through in just one week. The funds were sent quickly, despite a small delay due to needing to mail checks for the loan disbursement to some companies.

    Overall, the process was excellent, and the representative I worked with was very knowledgeable and helpful, answering all my questions thoroughly. This experience has positively impacted my life since I no longer have to juggle multiple high-interest credit card payments. Now, I have a single, fixed-rate payment, relieving me of the stress of variable interest rates. I've already recommended Achieve Home Loans to someone else because I had no issues, and the closing was seamless. For anyone considering a loan, I'd say Achieve is a fantastic company to work with due to their efficiency and the ease of their process.

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    PriceStaffLoan ProcessRates

    Reviewed July 2, 2025

    I started a remodel and needed the funds, so securing a reliable and affordable loan was a priority. While the variable rate from a previous lender was over 12%, Achieve Loans offered a rate under 10%, which was a key factor in my decision. It was considerably lower than others I came across with. The rep I worked with was based right here in Arizona and was very knowledgeable and helpful.

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    Customer ServiceLoan ProcessRates

    Reviewed July 2, 2025

    Throughout my experience with Achieve, the customer service stood out as being particularly good.

    The overall service left me satisfied. I would give Achieve Loans a five-star rating. Overall, it was a positive experience, and I'm grateful for how smoothly everything went.

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    Customer ServicePunctuality & SpeedLoan Process

    Reviewed July 1, 2025

    I used Achieve before. I used them again and the loan process was fast. However, communication wasn't the greatest. I didn't like the confusion on the closing. Other than that, it did what it was supposed to do. So, I don't have any complaints yet. I have no complaints about the individuals that worked on it. The person I spoke to and the processor worked well.

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    Customer ServiceBillingLoan ProcessRates

    Reviewed June 26, 2025

    The experience with Achieve Loans has been okay, but there's some problem with it. Because we were doing a consolidated loan and they were sending some payments to PayPal Credit and Shell Credit but those payments haven’t been received yet.

    They gave us a $98,000 loan, $50,000 in cash. They said they would pay off some of the debts and credit cards that we had. Most of the creditors have been paid, except PayPal Credit, which is a subsidiary of Synchrony Bank. They were supposed to send about $700 to the Shell Fuel Card, but it hasn’t been received either. There’s nearly $3,000 floating around that I’m still responsible for paying back on the $98,000 loan.

    I texted and emailed the company yesterday.I asked if they could either refund the money to me so I can pay it myself, or I could go use the money, because PayPal Credit hasn’t received what they said was mailed. When I called PayPal Credit, they said they never got it. Then when I called Shell Fuel Card, they said they haven't got the money either.

    I emailed Miss Karen Wolf, who I had spoken with before. She said that she'd be out of the office until the 30th. So, there was someone named Campbell that I emailed. But I haven't heard anything back from them.

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    Customer ServicePricePunctuality & SpeedLoan ProcessResolution

    Reviewed June 26, 2025

    I started with Achieve Home Loans most recently. The application process wasn’t bad, but it took a while. The main issue was staying on top of the application process. My application got delayed or lost in the shuffle for a bit. When I called to check, they said it hadn’t happened before, but somehow my application got misplaced. The people I dealt with were nice, though they forgot a few times.

    They straightened it out. I have nothing against the people who helped me. The only thing I would’ve preferred was getting all the money myself and paying off debts the way I wanted. Instead, they said, “You can get the loan, but we’re going to pay these specific debts.” Some of those I would have paid anyway, but I would have liked to handle it on my own.

    One of the creditors they paid ended up being overpaid because by the time the payment went through, I owed them $5,000 less. Now I have to wait another month to get that $5,000 back. I kept calling, but they kept putting me on hold or delaying. It's frustrating how hard it is to get money back.

    I let Achieve know several times that I didn’t owe that much and even sent them the payoff letter showing the correct balance. They ignored it and went by whatever they saw on their system or credit report. I had to call the company myself to get the actual payoff letter. If they had used it, I would have saved $5,000. I’ll get the money back eventually, but I have to wait a month. I’m at their leisure.

    That was my dilemma. I would have preferred to get the loan, receive the money, and pay my debts myself. But I agreed to their plan because it seemed necessary to get the loan. Half of the $106,000 loan went to paying off debts, even though I wasn’t late on anything and had been making all my payments. I had four small credit cards, and they insisted on paying them off. That was my issue, but overall, I’m glad I got the loan.

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    Punctuality & SpeedStaffLoan Process

    Reviewed June 26, 2025

    Getting a loan through Achieve was a fairly simple process, quick and painless. They got me out of a bind. If I had any issue or question, the guy was really quick to help me. He was friendly and was there any time I needed him.

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    StaffLoan Process

    Reviewed June 11, 2025

    I began the process with R**, who was very knowledgeable and easy to work with. The gathering of documents and placing them on the Portal went great. I then worked with M** on the steps needed to get to Final Approval. She kept me informed and answered any questions for me. She also was very knowledgeable and efficient. Finally, I worked with D** on the closing. She was efficient and the closing was completed in 20 minutes. I would choose Achieve Loans if I ever need to borrow credit again.

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    Customer ServiceLoan Process

    Reviewed June 7, 2025

    The AUTOMATIC WITHDRAWALS SETUP FOR THE LOAN CONFIRMED!!!! But still It’s the constant parading unnecessary, senseless communications AFTER PROCURING THE LOAN. AS IF FOR THE TERM OF THE LOAN THEY ARE GOING TO CALL EVERY OTHER DAY. IS THAT NECESSARY. If you don’t trust the borrower with the LOAN then DON’T lend us the money, ie that’s a no brainer!

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    Customer ServicePricePunctuality & SpeedOnline & AppStaffBillingLoan ProcessRates

    Reviewed May 22, 2025

    I had some debt that needed to be consolidated because I'm not that far off from retirement. I did a HELOC, and the loan process was straightforward. I was a customer, so they had most of my information, and from start to finish, it took about two weeks once we got the ball rolling. The rep I worked with seemed to be very on top of things. She was very competent. The HELOC rates were not the best, but it's probably better than paying credit card rates. The payment was fair.

    Achieve Loans were very easy to work with and the staff were wonderful. Their pricing is competitive. I went to their website as well to check out the payment and it was easy to navigate. You don't get lost. It's always been a positive experience. If you need to get things paid off and give yourself a little bit of accountability, you know you're gonna get it paid off instead of paying forever and never getting it paid off. I've referred family members to them.

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    Achieve Loans
    Response from Achieve Loans

    Hi Megan, thank you so much for sharing your detailed experience! We’re delighted to hear that the loan process was smooth and efficient, and that Celeste’s support made such a positive impact. It’s great to know that despite the interest rates, the overall terms have been beneficial compared to other options. Your continued trust and referrals mean a lot to us, and we’re proud to have maintained a consistently positive experience for you and your family. We’re also glad the website has been easy to use—making payments simple is important to us. Thanks again for your strong recommendation and for choosing Achieve for your financial needs!

    Verified purchase
    Rates

    Reviewed May 22, 2025

    Working with Achieve Loans was easy and simple. A HELOC seemed like the right thing to do at the time, and I did it all online. Then somebody came to my house to close. That was good. It took about five minutes.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for your feedback, Larry! We’re so glad to hear that your HELOC application process was smooth and convenient—from the online steps to the quick in-home closing. Making things simple and stress-free for our clients is always a top priority, so it's great to know we delivered on that. We appreciate you sharing your experience!

    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppStaffEase of UseLoan Process

    Reviewed May 10, 2025

    I recently worked with Achieve Loans to secure a HELOC for my home, and the entire process was incredibly smooth from start to finish. From the moment I visited their website to complete the initial application to the final closing, everything was seamless and efficient. After submitting my application, I received a prompt follow-up call from Aimee **, who was a pleasure to work with. She was not only highly knowledgeable and informative about the product but also genuinely attentive to my needs. Aimee took the time to understand my financial goals and made thoughtful adjustments to ensure the HELOC aligned perfectly with what I was looking to achieve.

    As the process moved forward, Melissa ** stepped in and continued the outstanding level of service. She was responsive and thorough in addressing all the inquiries my wife and I had, even when an unexpected hurdle arose. Despite the challenge, the team remained diligent, worked swiftly to resolve the issue, and kept everything moving forward without delay.

    Beyond the exceptional support from Aimee and Melissa, the tools and partnerships that facilitated the loan process were incredibly convenient. Having a notary come to my home, using an intuitive portal to share documents, and tracking the workflow—all these features made the experience straightforward and stress-free. As someone with a busy schedule, I truly appreciated how streamlined and accommodating everything was.

    Additionally, the workflow tracking system allowed me to see exactly where we were in the process at any given time, which was invaluable since I am on the East Coast and the Achieve Loans team operates from the West Coast. This eliminated the need to constantly align time zones, providing clarity without unnecessary back-and-forth communication. Overall, Achieve Loans provided a top-notch service, making what could have been a complex process feel effortless. I would highly recommend them to anyone looking for a HELOC with a team that genuinely cares about its customers.

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    Response from Achieve Loans

    Hi Damon, thank you so much for taking the time to share your experience in such detail — it truly means a lot to us! We're thrilled to hear that the process felt smooth and seamless from beginning to end.

    Verified purchase
    StaffLoan ProcessRates

    Reviewed May 9, 2025

    I wanted to consolidate my debt so I went with HELOC. It was super simple. Everybody I dealt with was great. They were informative, friendly. Their program puts me in a way better position than I was. So I'm thankful for it.

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    Response from Achieve Loans

    Thank you so much for your thoughtful review, Ronica! We're so glad to hear that the process exceeded your expectations and that our team was able to help put you in a better financial position — that’s exactly the kind of impact we hope to make.

    Verified purchase
    Punctuality & SpeedStaffBilling

    Reviewed May 8, 2025

    Overall my experience was smooth. From the first person I spoke to who was very knowledgeable and was able to answer all of my questions. The mobile notary that was utilized was also a smooth experience. However, I am having a small issue with payment after closing but I am hoping it will be resolved sooner rather than later.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for sharing your experience, Shelita — we’re really glad to hear that the overall process was smooth for you and that our team was able to provide clear answers from the very beginning.

    Verified purchase
    CoverageBillingLoan Process

    Reviewed May 8, 2025

    I get the HELOC however the debt that was supposed to be paid was paid partially even my share the pay off values for the next 30 days. It was not clear, is still not to me, if there is a condition to pay a debt to be granted a loan that is just an lump sum payment and not that will not take ownership of the full debt. So at the end I am paying the HELOC and the remaining of the debt that the HELOC total value should have covered. It was never clarified this way.

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    Response from Achieve Loans

    Thank you for taking the time to share your experience, Franco. While I’m glad you were able to secure the HELOC, I’m truly sorry to hear there was confusion around how the payoff amounts were handled. That’s certainly not the clarity we aim to provide, and I understand how frustrating it must be to feel like key details weren’t fully explained.

    Verified purchase
    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed May 8, 2025

    I've used Achieve before. I've had a few existing loans with them. They’ve been very easy to work with. The process took about a week in terms of getting all the documents back and then waiting for everything to get turned around. The rates and terms were very reasonable. It was one of the main reasons I went with Achieve over a couple of other companies. It's been great.

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    Response from Achieve Loans

    Hi Jack, we are happy to hear that our service efforts facilitated your loan application and approval process. We pride ourselves in ensuring our clients have the support they need without any additional stress.

    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed May 7, 2025

    This is one of the best services I have had where loans are concerned. It was swift, and everyone was courteous. I was very impressed with how quickly things happened. Everything went according to plan. I was delighted with everything. I would recommend this service to everyone who would listen. The process is seamless and painless.

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    Response from Achieve Loans

    Thank you so much for your kind words, Artus! It means a lot to hear that this was one of the best loan experiences you’ve had — that’s exactly what we strive for with every client.

    Verified purchase
    Customer ServiceCoverageSales & MarketingPunctuality & SpeedStaffBillingLoan ProcessRates

    Reviewed May 1, 2025

    I saw the ad online from Achieve Loans and responded to it. Based on my situation at the time, it just seemed like a marriage made in heaven. They explained to me how the real estate transaction would work in the state of California. Once I was satisfied with the way the process worked, I applied. They reached out to inform me they would be sending documents online.

    We used DocuSign for the most part, except for the closing documents, which had to be notarized. A notary came to my house. I was sent the notary’s information, contacted them, and set up an appointment. The notary came to the house, met with my wife and me, and we signed the documents. The documents then went to underwriting once everything checked out.
    They paid off the credit cards and a prior existing second mortgage. That was my main concern at the time. The rates were great, and I’m paying less now than I was paying for four credit cards and a second mortgage combined.

    The people I spoke to were courteous, professional, and knowledgeable. They kept me updated every step of the way. Any questions I had, whether by phone or email, they responded right away. It was a beautiful process. I recommend it to all my friends and family.

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    Response from Achieve Loans

    Thank you so much for your thoughtful and detailed review, Wade! We are so glad that our offer and process felt like the right fit for you, especially during a time when you really needed it. Helping you reduce your payments and simplify your financial situation is exactly what we aim for, and it’s wonderful to hear that we were able to deliver on that.

    Verified purchase
    Sales & MarketingOnline & AppBillingLoan ProcessRates

    Reviewed April 30, 2025

    I had just redone all three floors of my house and had put it all on credit cards. But I needed to not have it on credit card payments. I found Achieve on Credit Karma and they had the easiest process with the best rates. I filled out some stuff online and they had some questions. I had to sign a few documents and it was pretty much over. It was an easy process and it was done within a couple of weeks. My experience with them has been good and they have made my payments manageable.

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    Response from Achieve Loans

    Thank you so much for sharing your experience, Dustin! We're thrilled to hear that the process was smooth and efficient for you. At Achieve, we aim to make managing finances easier, and it's great to know that our HELOC helped make your payments more manageable after your home renovations. We're so happy to have had the opportunity to assist you, and we appreciate your trust in us. If you ever need anything else or have more questions down the road, we're always here to help!

    Verified purchase
    PriceStaffBillingLoan ProcessRates

    Reviewed April 30, 2025

    Achieve has been good. I was trying to get a loan where I could pay a bunch of credit card debt and have it over a longer period of time, so that if I had more money, I could pay it off sooner, and yet I would still have enough money to live off of monthly. My home is worth a good bit, and so I hadn't even thought about doing a HELO or equity loan. I would have loved to have had the 5.99 because I had so much equity in my house, I felt like I'm such a healthy 76-year-old, I thought that would have been nice. At the time, I thought I had good credit. I've always paid my bills. It’s good.

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    Response from Achieve Loans

    Thank you for taking the time to share your experience, Linda! We are really glad we were able to help you find a solution that fit your needs — especially one that helped you manage your credit card debt in a way that works better for your monthly budget.

    Verified purchase
    Customer ServiceCoveragePunctuality & SpeedStaffBillingLoan ProcessRatesTransparency

    Reviewed April 17, 2025

    I have equity in my house and I wanted to pay off all my credit card debt and personal loans with a HELOC. Once the revolving credit is paid off, what I have are the house and car payments, as well as the HELOC payment. Eventually, we wanna sell the house and move closer to my job. Once it’s sold, what I owe for the HELOC will automatically be taken out, and what’s left over can be used on a downpayment on a new house. My credit score will be better too because all the revolving credit has been paid off, and my debt-to-income ratio will be right where it needs to be for another mortgage.

    The rates and terms I received are reasonable for my situation. The representatives at Achieve gave it to me upfront and told me what I would be paying if it were approved. It’s basically 10 years to pay it off, and the payment is $296 a month, which is a lot less than what I pay for my credit card and personal loans which is close to $1,300 a month. The approval was quick and the funds came quickly as well.

    Whenever the representatives talked to me about the HELOC, they weren’t pushy. They weren’t saying “Oh, get this or get that,” but instead gave me the information I wanted to know so I could decide if I wanted to move forward.

    I used their website and it was easy to use. They had two-factor authentication and verified me by sending a code to my phone or email. The website also showed when the funds were being processed and sent to all the lenders. I didn’t have to do any of that anymore. They did it all for me, so it was one less thing I had to be on the phone.

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    Response from Achieve Loans

    James, thank you so much for your thoughtful and detailed review — it’s incredibly rewarding to hear how impactful HELOC was in helping you consolidate debt and simplify your financial picture.

    Verified purchase
    Punctuality & SpeedStaffBillingEase of UseLoan ProcessRates

    Reviewed April 17, 2025

    I had a fantastic experience obtaining a loan through Achieve. The instructions online were easy to follow, the tools were easy to use, and the communication was spot on. I appreciated that I could do it at my convenience and save as I go. It is important to use terminology that is for the common man and not anything too technical that is hard to understand or interpret, and I felt that I was able to move through the application with ease.

    If anything could be improved, maybe some more Q and As, like if you have a question about how payments go or the timeline or something along those lines. Just a Q and A resource for common questions, keeping in mind questions that are for the common man.

    When it came to do a face-to-face meeting to close everything out, they were willing to accommodate my physical location. It would be helpful if there were more locations that were accessible to accommodate the closure, but overall the process went smoothly.

    The point of contact we utilized for the overall signatures was very kind and responded in a timely way. I would absolutely refer that person to continue doing what he is doing to support closures.

    I was very at ease and not stressed throughout the process. While the terms are good and the rates are high, and not as good as I would like them to be, I would still suggest others utilize Achieve. If I could do it, they can do it.

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    Response from Achieve Loans

    Barbara, thank you so much for your thoughtful and comprehensive review — it truly means a lot to us. We're so glad that you found our online tools and step-by-step process intuitive and accessible, and that you felt supported every step of the way.

    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppStaffLoan Process

    Reviewed April 17, 2025

    I was shopping around and went with Achieve Loans since they looked good. I applied, and they called me. Everybody was quite responsive when I had questions. I sent in the requested paperwork, and two days later, somebody was here doing the signing. I got my money two days after that. They were very quick and efficient.

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    Response from Achieve Loans

    Thank you for sharing your experience, Tracy! We're so pleased to hear that the application and funding process was smooth and efficient for you — we know how important speed and clarity are when handling something as significant as a home loan.

    Verified purchase
    Customer ServiceStaffBillingEase of UseLoan ProcessRates

    Reviewed April 17, 2025

    Achieve Loans has helped me right on time. I was trying to consolidate all my credit cards together. When my husband and I were talking about it, we got a telephone call out of nowhere. It was by the grace of God. He heard me and directed Achieve to give me a call. The actual lending process was easy and went smoothly. The representative was helpful and provided great customer service.

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    Response from Achieve Loans

    Thank you for such a thoughtful and heartfelt review, Sheri. We’re truly honored to have been part of your financial journey—especially at a time that felt so pivotal for you and your husband. It’s incredibly meaningful to hear that our team’s support and service made a positive impact and brought you peace of mind.

    Verified purchase
    Customer ServiceStaffLoan ProcessRates

    Reviewed April 17, 2025

    I had some unexpected expenses, and so I thought it would be a good idea to consolidate and take care of some of the stuff I had going on. I had a great experience obtaining a loan from HELOC. I did the majority of the stuff through their portal. The process took several days because they kept sending me links that I had to go to and do the next entry on that portal. But it didn't really take that long. They made sure that all the information was in there correctly and they did it on the phone and via email. They were great.

    They have good rates. They based it on credit worthiness so I got decent rates and I was happy with it. HELOC is awesome.

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    Achieve Loans
    Response from Achieve Loans

    Thank you so much for the kind words, Leonard! We’re thrilled to hear that your experience with Achieve Loans was smooth and that our portal made the process simple and convenient for you.

    Verified purchase
    Customer ServiceLoan ProcessRates

    Reviewed April 17, 2025

    I looked into a HELOC to consolidate debt and found Achieve Loans through NerdWallet, where they were at the top of the list. The customer service was good, and the terms and rate were reasonable for the time.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for sharing your experience with us, Nick! We’re so glad Achieve Home Loans stood out to you during your search and that you felt confident choosing us to support your debt consolidation goals.

    Verified purchase
    Customer ServiceStaffLoan ProcessRates

    Reviewed April 15, 2025

    I chose Achieve Loans because I was searching for HELOCs and they had some good things written about them.

    The process was super easy. I’ve been in this business for about 36 years and from previous experience, it was great. They were very thorough and communicated well. They sent me emails telling me what needed to happen, when I needed to sign my disclosures and when they were in my portal ready for me to review. After I submitted everything, I had a conditional approval within two days and a final approval within four.

    The HELOC is reasonable and market-friendly. We did a 10-year and I’m pretty happy with that, considering what my own company’s doing for second lien HELOC right now. I would highly recommend them to anyone. I already told my daughter.

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    Response from Achieve Loans

    Thank you so much for your kind words and thoughtful feedback, Mary! We are really glad to hear that you found the rates and terms competitive and that the 10-year option worked well for your needs. It's especially rewarding to know that the process felt smooth and efficient for you — we strive to make things as clear and straightforward as possible.

    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppStaffLoan ProcessRates

    Reviewed April 15, 2025

    It was easy signing up for Achieve Loans. Any time I called them to ask questions, they were able to answer them and get back to me. The whole process and getting the loan took like a month. The only thing that we weren’t sure about is the process of where the funds were going. We weren’t given more detailed information. We could have been informed if something was pending or something happened. Better information on the backend of things would be nicer. Other than that, the experience went well.

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    Response from Achieve Loans

    Thank you for sharing your experience with us, John! I’m really glad to hear that the application process felt straightforward and that our team was responsive and helpful throughout — that’s exactly what we strive for in every interaction.

    Verified purchase
    Contract & TermsStaffBillingLoan Process

    Reviewed April 13, 2025

    Things went well at first, but then Achieve did not take care of things as we were told they would. We did a HELOC loan to pay off credit card debt. They told us the amounts owed and we told them the amounts were incorrect. We were assured they would get the correct amounts before it was finalized and that did not happen. So we were left with balances still owed on some cards. Pretty disappointing that we now have several payments to make instead of one.

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    Achieve Loans
    Response from Achieve Loans

    Hi David, we are sorry to hear about your experience. A loan specialist will be reaching out to address your feedback.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingLoan Process

    Reviewed April 11, 2025

    Everything went good with the loan but now two weeks later from some other company ask all this information that don't want to give out. It's like they own my loan already. But I have heard nothing from Achieve. Not even anything from the agent I dealt with. Now I'm thinking someone else that I didn't ok has all my account information. The world of the internet is a scary place. I'm afraid of getting behind in my payments until this is cleared up.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for reaching out and sharing your concerns, Jim. We’re truly sorry to hear about the confusion you’re experiencing—that’s definitely not the experience we want any of our members to have.

    While it’s not uncommon for loan servicing to transition to a partner company, you should have been clearly notified if that happened. We’d like to get this resolved for you as quickly as possible and confirm exactly who is handling your loan. For your security, we recommend contacting our customer support team directly.

    Verified purchase
    Punctuality & SpeedStaff

    Reviewed April 10, 2025

    Everything went well. Staff kept me informed and worked with me during process. Each part of the process someone contacted me to let me know each thing that was needed to be done and assisted me with accomplishing it. Closing was also quick and painless and funds were sent quickly.

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    Response from Achieve Loans

    Hi Michael, we are happy to hear that the process went smoothly! Thank you for choosing Achieve!

    Verified purchase
    Staff

    Reviewed April 10, 2025

    This was one of the easiest things I have done in a long time. It was smooth and it took less time than expected. Every step of the way was communicated. When representatives switched because of the various steps we were informed. The portal they give you is amazing and you can see where the request is at.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for sharing your experience with our customer service team, Kelly!

    Verified purchase
    Punctuality & SpeedRates

    Reviewed April 10, 2025

    It was smooth, It could have been a better interest rate. Thanks. They did a great job paying off my creditors quick and fast. Like I said the only problem I had was the interest rate. Me and my partner have good credit score. They just missed the rate I was looking for.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for sharing your experience and honest feedback, William.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffRates

    Reviewed March 25, 2025

    I was looking for a personal loan online when I received a call from a gentleman representing Achieve Home Loans. The loan process went well and was painless. My questions were answered, and they always called me back and responded to emails. I was satisfied with their service.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for sharing your satisfaction with our team, Latonya!

    Verified purchase
    Customer ServiceSales & MarketingStaffLoan Process

    Reviewed March 20, 2025

    I looked into Achieve Home Loans for a HELOC after seeing an advertisement. The process wasn’t super easy, but I tried another place before and it was a night-and-day difference. The people who helped me were great and the rates and terms were good.

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    Achieve Loans
    Response from Achieve Loans

    Richard, thank you for giving Achieve the opportunity to earn your trust! We're glad to hear that your experience with us was positive. Providing helpful and supportive customer service is a top priority, so it's wonderful to know our team made a great impression.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed March 20, 2025

    Check them out. Achieve Home Loans dealt with me pretty well. I needed extra money to do some business with and saw Achieve when I did some research. It’s average – I wouldn’t say it made my life great. I got it for what I need it for.

    The process was simple. The website shows the progress of the application and they call about updates. All the reps I talked to, they were all pretty good. If I call and leave a message, they call me right back. The first guy I dealt with answered my question. But it takes four to five days once it’s approved. I didn’t like that because I did need it.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for sharing your experience with Achieve, Cavell! We're happy to hear that the application process was straightforward and that our team provided responsive customer service. We understand how important timely funding is, and we appreciate your feedback regarding the wait time after approval.

    Verified purchase
    Customer ServiceLoan ProcessRates

    Reviewed March 20, 2025

    My loan process with Achieve went well. They offer good customer service and competitive loan rates.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for taking the time to share your experience with us, Melvin! We're glad to hear that the loan process went smoothly and that our rates and terms met your expectations. Thank you for choosing Achieve!

    Verified purchase
    Customer ServiceStaffLoan ProcessRatesTransparency

    Reviewed March 19, 2025

    I looked into HELOC to consolidate some debt. I went through pre-approval, which allowed me to see roughly what my rate would be. And then I went through with the credit application, income and employment verification through my original mortgage. It was just everything on their end. It was a seamless process and it was the most painless financing that I’ve ever done.

    The customer service was good. It was informative they were always concerned to make sure that I was satisfied and that my questions were answered. I was always kept in the loop and there was never any time that I didn’t know what was going on in the process.

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    Achieve Loans
    Response from Achieve Loans

    Joshua, thank you for sharing your experience with Achieve! We’re delighted to hear that the process was smooth and straightforward for you. Providing clear communication and excellent customer service is always our goal, and we’re glad to know you felt well-informed every step of the way.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffHonesty & Transparency

    Reviewed March 19, 2025

    We wanted to consolidate our debt. One of the Achieve officers reached out to us and we liked the information that he provided initially through text. So we reached out to him via email for further information and spoke to him on the phone.

    We were able to ask him questions directly and he was easily available any time. He was genuine and honest in his answers when we had questions. Everything that he listed out in the beginning was the reality by the end so it was direct and forward. The process was quick and easy and was completed in less than two weeks. Getting into the program gives me a little bit more peace of mind and a little less chaos.

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    Response from Achieve Loans

    Thank you for sharing your experience, Corey! We’re so pleased to hear that Achieve provided a smooth and straightforward process for your debt consolidation needs. It’s wonderful that our loan specialist was accessible, transparent, and delivered on their promises—honest and open communication is something we truly value. Thank you for choosing Achieve!

    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed March 11, 2025

    My experience with Achieve was professional, knowledgeable, and friendly. The process from the initial phone call to disbursement of funds was unbelievably easy. I was informed every day of what had occurred about the loan. When I had a question about the loan, I received a phone call and an email with the answer. The timeline from the initial phone call to closing was February 5 to February 19. And that had some holidays during that time. If there comes a time I need another loan, I would not hesitate to call Achieve.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for your wonderful feedback, Marts! We’re thrilled to hear that your experience with Achieve was professional, smooth, and well-communicated from start to finish. Keeping our clients informed every step of the way is a top priority, so it’s great to know that you felt supported throughout the process.

    Verified purchase
    Customer ServiceOnline & App

    Reviewed March 8, 2025

    I’ve spent way too many hours trying to set up the online account only to find out that I have to call a special number. Once I called the Special number I had to verify almost every single bit of my information again and talk and talk and talk and at the end of the call I still was no more closer to getting online. now I find out I have to get a special, super special FedEx delivery that must be signed for which means I have to take time off from work to get this special, special, super special FedEx envelope that has a special, super special code that I then have to call back and call the number with a super special code. Just so I can finally after all this logon to their website. Not feeling like a special customer at all.

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    Response from Achieve Loans

    Hi Tim, we are sorry to hear you feel this way. An account specialist will reaching out to address your feedback.

    Verified purchase
    Loan Process

    Reviewed March 8, 2025

    I was never told at any moment my loan can be legally sold. So if Shellpoint does not make us happy Achieve will get thrown into the social media blast on feedback and buyer beware. My wife has over 30k followers on FB and 10k on tiktok. I have 45 followers combined in social media. I was promised many things on a recorded line and if Shellpoint doesn't honor these I will let everyone know to stay away from Achieve. Achieve sold my loan legally and I have the right to legally let everyone know to be aware.

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    Response from Achieve Loans

    Hello Angelo, we appreciate your feedback. An account specialist will be reaching out to address your concerns.

    Verified purchase
    Loan Process

    Reviewed March 8, 2025

    Gave you the balances to pay off. You came up about $3000 short. I borrowed $30,000. Now your statement shows that my loan is $33,000. I am assuming that $3000 is for your fees??? Your customer portal has a lot to be desired. It wasn’t easy getting items checked off your list.

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    Achieve Loans
    Response from Achieve Loans

    Hi Joseph, all of you questions are important to us. An loan specialist will be reaching out to you to address your feedback.

    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed March 7, 2025

    I was initially apprehensive when contacting Achieve, but I was immediately put at ease with my first phone call. The process was pretty much seamless, with all questions answered. Very professional and a seriously quick process. Can't say enough for their help and for putting my mind at ease. I must admit I was initially unsure about reaching out to Achieve, but that apprehension vanished after my very first phone call. The process was incredibly smooth, and all my questions were answered without hesitation. Their professionalism was impressive, and they made everything move swiftly. I cannot emphasize enough how grateful I am for their support and for alleviating my worries. If you're considering assistance, I highly recommend Achieve for a seamless and reassuring experience.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for sharing your experience, Pamela! We understand that reaching out for a loan can feel overwhelming, so it’s wonderful to hear that our team was able to put your mind at ease from the very first call. Providing a smooth, professional, and reassuring experience is exactly what we strive for, and we’re so happy we could deliver that for you.

    Verified purchase
    Customer ServiceCoverageStaffLoan Process

    Reviewed March 7, 2025

    Very Special KUDOS to Justin **, Alexis **, and Lindsay ** who made the entire loan process extremely easy, efficient and painless. From my first conversation with Justin, I explained the horrible experience I had with two prior companies and he advised he would do his best to help. He took our information and delivered on his word. From the application, underwriting, through funding, I’ve never seen a company more streamlined and efficient with their use of technology, integrated with GREAT PERSONAL customer service. The technology is good, but the TEAM made it EXCELLENT! THANK YOU!!!!

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    Achieve Loans
    Response from Achieve Loans

    Andre, thank you so much for your incredible feedback! We’re absolutely thrilled to hear that Justin, Alexis, and Lindsay provided you with such a seamless and positive loan experience. We know how important it is to have a team that not only delivers results but also offers genuine, personal support along the way. Thank you for choosing Achieve!

    Verified purchase
    Punctuality & SpeedStaff

    Reviewed March 7, 2025

    The process was very easy, fast, thorough and efficient. Great people to work with and make sure I understood everything that was going on step by step. Was great working with everyone and the website was very straightforward and supplied all documents that I was signing and approving. I would recommend Achieve.

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    Achieve Loans
    Response from Achieve Loans

    Thank you for your kind words and for sharing your experience, Vicki! We’re so pleased to hear that the process was easy, fast, and efficient for you. Our team strives to provide clear communication every step of the way, and it’s great to know that you felt supported throughout.

    Verified purchase
    Customer ServiceStaffRates

    Reviewed March 5, 2025

    I decided to look into a HELOC for debt consolidation. The application process at Achieve Loans was easy and straightforward. The team explained any of the questions that I had, and stayed positive throughout the process. They did a pretty good job making the process very easy for me. They also broke down how much I would save. I felt good about the terms and rates, especially compared to the savings. When I did my own math, it came out to be a pretty good savings. Overall, I feel very good about it and am saving a lot of money.

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    Response from Achieve Loans

    Thank you for sharing your experience, Neisha! We’re delighted to hear that your HELOC process with Achieve was smooth and that our team provided the support and clarity you needed. It’s especially great to know that your savings turned out to be substantial and aligned with your expectations! Thank you for choosing Achieve!

    Verified purchase
    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed March 1, 2025

    The process of getting a loan was easy and went smoothly. A lot of it was online, which was convenient for me. The whole process took only few weeks. The underwriters sent some appraiser out to physically look at the property in the middle of winter, who thought I had molding on my sliding. There was a bunch of nitpicky crap that I had to get estimates for.

    I also disclosed beforehand that one of my garage door windows was missing and I was having a problem getting that replaced. It was the middle of winter and the garage door companies passed buck to the window companies who passed the buck back to the garage door companies. I have been trying to get it fixed for several months since it broke. I had a piece of cardboard up over it. But nobody will take ownership of it and they went back and forth. Then I got a glass company give me an estimate.

    I also had to have somebody come in the dead of winter about power washing siding because they decided it was mold. That was irritating. I live on a dirt road. It’s not mold, it’s dirt. It was the middle of January so that was asinine. They held up my loan over that. They had to call somebody out and give me a price to power wash.

    I also had a concrete step and my front porch was a wood deck which had pulled away. It had sunk a little bit. This appraiser shows up in a Cadillac, walking around my property. I had no prior notice anyone was gonna be on my property. It scared my daughter because nobody said they were sending anyone. They wanted that concrete step lifted. They finally came down to wanting an estimate on it ‘cause there were some repairs.

    That was the only problem I had but it was the underwriters, not Achieve’s fault. My loan officer was great. I called him up and made a complaint about the fact that they had an appraiser on the property and he totally understood. He explained to the appraisers that we were getting a HELOC with these repairs. There were other things that they completely missed which was a bigger deal. They told me to call Glass Place and four different companies on each end. I was told they didn’t do that.

    The only other problem that I have is the servicing organization, Shellpoint. I haven’t even made my first payment yet, it comes out on March 1st. But Shellpoint was a disaster and I wasn’t very happy about that. But other than these issues, everything was great.

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    Response from Achieve Loans

    Hi Julie, thank you for taking the time to share your detailed experience with Achieve. We’re glad to hear that the online application process fit well into your busy schedule and that our team provided great service throughout your loan journey. Thank you for choosing Achieve!

    Verified purchase
    Customer ServiceStaffBillingEase of UseLoan ProcessRates

    Reviewed Feb. 28, 2025

    After receiving a mailer from Achieve Loans, I decided to give their HELOC service a try, which turned out to be a beneficial decision. Although initially hesitant due to a unique setup process, I went ahead and found their terms to be more favorable compared to other lenders. Even after shopping around, Achieve's interest rates were at least a percentage point lower than others.

    The application process required a bit more documentation than expected, but eventually, everything was streamlined, and Achieve Home Loans itself bought my loan after closing. This meant I stayed with them, which I found reassuring. Their approach of directly paying off my debtors, instead of giving me the money to handle it myself, worked in my favor. It significantly improved my credit score and allowed me a better financial standing. Now I qualify for a better credit card with lower interest rates.

    Overall, my experience has been very positive. I haven't made my first payment yet, but I expect no issues. Achieve Home Loans delivered excellent customer service, and their online portal was incredibly easy to use for submitting documents. I had a great experience with Achieve Loans and I'm happy to recommend their services to others.

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    Response from Achieve Loans

    Hi David, thank you for taking the time to share your detailed experience with Achieve Home Loans. We’re thrilled to hear that our HELOC service turned out to be a beneficial decision for you. It’s wonderful to know that you found our terms favorable and our interest rates competitive, even after comparing with other lenders.

    Your kind words about our customer service and the ease of using our online portal mean a lot to us. We’re delighted that you had a positive experience and that you feel confident in recommending our services to others. If you have any questions before your first payment or need further assistance down the road, please don’t hesitate to reach out.

    Verified purchase
    Customer ServiceStaffRates

    Reviewed Feb. 14, 2025

    I recently had the opportunity to work with Achieve, thanks to my wife who found them. We decided to refinance, and I was impressed with their service. This was my first refinancing experience, and it went excellently. The people at Achieve were very communicative, and when I had questions, they were willing to speak with me rather than just sending emails, which I greatly appreciated.

    The entire process took about three to four weeks, which was reasonable. I'm quite happy with the rates and terms we received, although like anyone, I wish the rates could have been a bit lower. In comparison to other options out there, I feel content with what Achieve offered.

    Overall, I would definitely rate my experience with Achieve as a 5 out of 5. Their customer service was top-notch, and they really made the refinancing process smooth and understandable for a novice like me. I would definitely recommend them to friends and family.

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    Response from Achieve Loans

    Thank you for taking the time to share your detailed experience with us, Kenneth! We're thrilled to hear that your first refinancing experience with Achieve was excellent and that our team was able to guide you through every step of the process. It's wonderful to know that our communicative approach and willingness to speak with you directly helped make everything clear and understandable. Thank you for choosing Achieve!

    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingLoan ProcessRatesTransparency

    Reviewed Feb. 14, 2025

    I explored Achieve while researching HELOC loans. We wanted to use some home equity while maintaining a reasonable payment schedule, paying off some debt, and possibly having extra funds for home projects. Achieve's rates were very appealing, so we decided to proceed with them.

    The loan application process with Achieve was incredibly smooth. Their online platform was user-friendly, enabling me to upload documents easily, even from my phone during work hours. From start to finish, the process took about three weeks, which exceeded my expectations considering the ease with which it was completed.

    Our loan officer was excellent, providing clear upfront explanations without rushing us. His responsiveness, especially through texts, was impressive, making communication swift and efficient. This level of customer service was a pleasant surprise.

    We were very satisfied with the rates and terms offered by Achieve. They stood out as the best and most reasonable options compared to others we considered. Achieve helped us escape a financial bind and provided us with necessary capital, offering much-needed relief.

    In terms of overall service, including the website and customer support, Achieve deserves top marks. I wholeheartedly recommend them to anyone exploring home loan options.

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    Response from Achieve Loans

    Thank you so much for sharing your experience with Achieve, Francisco! We’re thrilled to hear that the loan application process was smooth and efficient, and that our team was able to assist you in securing a loan with favorable rates. We understand how important it is to have clear communication and reliable customer service throughout the process, and we're glad to hear that our loan officer's responsiveness and thorough explanations made a positive impact.

    Verified purchase
    Customer ServiceStaffLoan ProcessRates

    Reviewed Feb. 14, 2025

    I recently went through the process of obtaining a home equity line of credit (HELOC) with Achieve Home Loans to finance some home improvements. The application process was straightforward and took about 30 minutes, which I completed over the phone. The representative was knowledgeable and had a positive attitude, making the overall experience pleasant. In terms of rates, I found them to be very good. Overall, my experience with Achieve was positive, and I would rate their service, customer service, and online tools with a 4 out of 5.

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    Response from Achieve Loans

    Thank you for sharing your experience, Kenneth! We're glad to hear that the application process was smooth and that our representative made it a positive experience for you. It’s great to know that you found our rates competitive and our service helpful. If you ever need further assistance, we’re here to help. Wishing you the best with your home improvements!

    Verified purchase
    Customer ServiceStaff

    Reviewed Feb. 14, 2025

    It’s difficult to do all that is needed by phone & text. It makes less personal. Toward the end of this process, my stepmother passed away and I had to come to Nevada to handle everything. My welcome package is being mailed to my Portland address where a signature is required but no one is there. Frustrating for me.

    Everyone I dealt with on the phone was professional. I really needed this HELOC and Achieve came through, for that I am grateful.

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    Response from Achieve Loans

    Hi Brooke, we appreciate your feedback and will use this to better our support in the future. We are happy to hear that we were able to provide you with a solution that best fits your needs. Thank you for choosing Achieve.

    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed Feb. 10, 2025

    Everyone was great during the process. Email questions were answered very promptly; faster than expected in most cases. Everyone I talked with was courteous and friendly. The process took a little longer than anticipated; but not so long that I was frustrated. I even already recommended your company to a coworker.

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    Response from Achieve Loans

    Hi Robert, thank you for sharing your experience. We are sorry to hear the process took longer than you expected, we appreciate your patience and want to thank you for allowing us the opportunity to earn your trust!

    Verified purchase
    Customer ServicePunctuality & SpeedEase of UseLoan Process

    Reviewed Feb. 7, 2025

    I received the notification that right after my loan had closed it was sold to a company that primarily handles COLLECTIONS! When I called them I got the spiel: "..This is a collection agency, and this is an attempt to collect a debt...." I was thrown and had to walk myself off the ledge while waiting for an individual. I explained that I had already setup direct withdrawal and ask her to verify that it was configured. Had I known you guys had no intention to hold the "paper" I would have chosen a different company!

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    Response from Achieve Loans

    Hi Ahmik, we are sorry to hear about the challenges you are facing. An account specialist will be reaching out to address your questions.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingLoan Process

    Reviewed Feb. 7, 2025

    Achieve's application process goes smoothly. Their customer service is fantastic. They helped me to consolidate my debts. This consolidation cut my payments by over half. AND THEY ARE THERE FOR YOU ALL OF THE WAY. If I had questions or concerns they were quick to answer and resolve. Overall, if you’re looking for a personal loan with flexible terms and good customer service, Achieve might be a solid option for you.

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    Response from Achieve Loans

    Hi Teresa, thank you for sharing your experience with our team! It is wonderful to hear that our team has been with you every step of the way!

    Verified purchase
    Customer ServiceLoan ProcessRates

    Reviewed Feb. 2, 2025

    The service of Achieve Loans was good and the rates were fine, too. They were in line with the market and I felt it made sense. The application process was easy. I was all set in under 10 days.

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    Verified purchase
    Customer ServiceCoverageStaffLoan ProcessRates

    Reviewed Feb. 1, 2025

    When I reached out to Achieve, they were more receptive than the other ones I reached out to. At first, the experience was fine, but going through the actual documentation and the closing seemed to prolong things. They constantly wanted additional documents. That seemed to drag on for a while. The closing was also being prolonged with different dates set. That was a little frustrating. Also, the rates were too high and terms were a little confusing. They would send a good faith lending estimate then something else would pop up. My loan officer would explain it, but it seemed like more and more things would pop up all the time. Achieve could improve on their communication. The underwriting processor that was assigned to me was virtually nonexistent. Reaching out to the underwriter didn't get responses, so I reached out to the loan officer, and he was very good about getting the answers. He was the only one available to me mostly.

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    Response from Achieve Loans

    Hi Oliver, we are sorry to hear about your challenges. An account specialist will be reaching out to address your concerns.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffEase of UseRates

    Reviewed Jan. 23, 2025

    Our experience with Achieve was a lot easier than what other people that was doing the same thing had. It took them months compared to what we went through. The process through Achieve took three weeks and it went really fast as soon as we figured out that's who we wanted to go with. Everybody that I've talked to has been helpful before we did it, while doing it and afterwards when I called in with a concern. Because the stuff didn't get taken out right away, I was worried that it wasn't gonna get taken out, but they were very helpful. Achieve's website was also easy to navigate, and their rate and terms were okay compared to some others. I've already recommended them to others.

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    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed Jan. 23, 2025

    I applied for the HELOC loan with Achieve and I was approved. I spoke with an agent and the terms seemed reasonable. The communication was good too. I was trying to get something done and Achieve was there and the loan helped.

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    Verified purchase
    Customer ServicePricePunctuality & SpeedLoan ProcessRates

    Reviewed Jan. 23, 2025

    I needed a home equity loan in order to buy my husband out of the equity. I went with Achieve and their process was very quick and efficient. We filled out the paperwork then attended the closing, which was very brief. I had a designated account manager that I could email if I had questions or concerns. The process from beginning to completion took about 30 days and though I don't know that the interest rate was the best, the service on the loan made it worth paying a little bit more. Achieve gave me the ability to finalize my divorce and move on.

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    Response from Achieve Loans

    Thank you for sharing your experience with Achieve, Julia! We’re so pleased to hear that our process was quick, efficient, and helped you move forward with finalizing your divorce. It’s great to know that your loan specialist provided the support you needed throughout the journey.

    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingRates

    Reviewed Jan. 23, 2025

    I was broke and needed money, and Achieve was the only one that approved me. The process was quick and easy. I did the first part online, then the rest of it, I spoke with a representative. The lady was a bit of a Grinch and acted like she didn't like to talk, but other than that, everybody else was cool. However, they can be more helpful with the information given. I have no idea what my rate is and I should know it, but it was working so fast that a couple of things got missed in the process. Achieve also sends me too many letters in the mail. I chose the no paper billing, and they send me a bill every month. The payments are on autopay. They should just take the money, send me an email, and call it a day. Still, everything is fine overall.

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    Response from Achieve Loans

    Thank you for sharing your experience with Achieve, Darren. We’re glad to hear that the application process was quick and easy, and that you were able to secure the loan you needed. We apologize for any frustration caused by communication during the process, and we appreciate you pointing out where we can improve.

    Verified purchase
    BillingLoan ProcessRates

    Reviewed Jan. 23, 2025

    I initiated a HELOC with another company then it was transferred to Achieve Loans. My experience with Achieve has been good. The withdrawal of the payment is automatic and though the loan switched over, my monthly rate and term didn't change.

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    Response from Achieve Loans

    Thank you for sharing your experience with Achieve, George! We’re pleased to hear that the transition went smoothly. It’s great to know that our automatic payment system has made managing your loan easier.

    Verified purchase
    StaffTransparency

    Reviewed Jan. 8, 2025

    Wonderful people to work with, Nic, Rose, Lashawna, would recommend very highly , good company. Thanks Michael **. Happy to work again with all, process took a short time and they helped with a multitude of my questions. Many e- mails to keep me up to date on daily operations,.

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    Response from Achieve Loans

    Hi Mike, thank you for sharing your experience with us!

    Verified purchase
    Loan Process

    Reviewed Jan. 8, 2025

    I was impressed that I was not just turned down for my initial request for a loan but was introduced to someone who looked at my financial situation and suggested a loan idea that worked for me. The process was timely and I closed my loan very satisfied. I will definitely recommend Achieve to my family and friends.

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    Response from Achieve Loans

    William, thank you for your review! We are happy to hear that we were able to provide you with a solution that worked best for you!

    Verified purchase
    Punctuality & SpeedOnline & AppStaffLoan Process

    Reviewed Jan. 8, 2025

    Your team made the whole process very easy. Your website is very easy to work through. Hand offs from mortgage loan originator to closer to post closing tracking of documents were all smooth. What sometimes can be a very invasive process was very easy, professional and fast! Thank you!

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    Response from Achieve Loans

    Hi Jon, we are happy to hear that you're satisfied with our convenient application process! Thank you for choosing Achieve!

    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Jan. 1, 2025

    When I inquired online for information on a HELOC, loan advisor Justin ** responded quickly. He was very thorough in explaining the loan process, helpful in providing his professional advice and recommendations, and responsive to answer my questions and tailor the loan to meet my needs. His cordial manner helped allay any concerns I had regarding obtaining the loan and completing the transaction. In my opinion he is a consummate professional who provided outstanding customer service, and a definite asset to Achieve. The additional members of the Achieve team, Cheri and Alexis were also very helpful throughout the process and helped to successfully expedite completion.

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    Response from Achieve Loans

    Hi Carole, thank you for sharing your experience with us and for highlighting the exceptional service from our team members. We will make sure to pass your kind words along to our team. It is an honor to partner with you on your journey towards a brighter financial future. Thank you for choosing Achieve.

    Verified purchase
    Punctuality & SpeedStaffBillingLoan Process

    Reviewed Dec. 27, 2024

    Had a great experience with a personal loan a couple of years ago and had another great experience with the HELOC I just entered. Cody **, my account manager, was incredibly helpful and answered all my questions. Very happy so far with Achieve in all aspects. Will be looking forward to making the first payment and getting this loan taken care of quickly.

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    Response from Achieve Loans

    Hi Mark, thank you for sharing your experience and for allowing us the opportunity to assist you again! Thank you for choosing Achieve !

    Verified purchase
    Customer ServiceSales & MarketingPunctuality & SpeedOnline & AppStaffBillingEase of UseLoan ProcessRatesTimeliness

    Reviewed Dec. 24, 2024

    I was impressed by the process at Achieve Home Loans, which I also told the notary people that showed up to my house with documents. It was so quick. I was scrolling on Facebook, saw the ad for Achieve Home Loans and went into it right away. On the afternoon of that same day, I was reached to by one of the customer service agents.

    It helped that I sent back all the documents they requested. I had it on hand in my phone and emailed it back to them right away. Sometimes, when you're applying for something with whatever bank, you send them whatever documentation they ask for, but it takes them days to reach back to you. But with Achieve, it was a matter of hours. I felt like there was someone sitting in the computer, waiting for me to send those documents, because they replied back very quickly. They wanted to make sure that I got the message, and that's important. Once I applied, I was signing the closing documents pretty much a week after. 3 days ago, I got the welcome package by mail. I downloaded the app, and it's very friendly user. It's super easy to navigate through.

    I understand that the rates are based on credit worthiness, and it was one of the best if not the best offer I got when I was looking for the loan to consolidate debt. I'm happy with the HELOC I got. It got me out of trouble. Achieve helped me save a lot of money on a monthly basis. The only thing is that instead of mailing checks, Achieve should be able to disburse the payment electronically. But besides that, their customer service until now, approval and application process is phenomenal. I already made some recommendations to a couple of friends.

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    Response from Achieve Loans

    Hi Juan, we are happy to hear about your experience and that you appreciate the convenience of our service! Thank you for choosing Achieve!

    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed Dec. 22, 2024

    The application process at Achieve Loans was easy and smooth. I did a lot of it online and followed up after that. The reps were good. They helped out with changing and modifying some numbers and payees.

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    Verified purchase
    StaffLoan Process

    Reviewed Dec. 19, 2024

    Achieve Loans was the best way for me to consolidate. Their process was very easy. They were responsive and really helpful. If I had questions, I could reach out. I did a couple of times and they were all very knowledgeable.

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    Response from Achieve Loans

    Hi Mary, thank you for sharing your experience! Don't forget we are here to help you every step of the way !

    Verified purchase
    Customer ServiceLoan Process

    Reviewed Dec. 18, 2024

    I already had a personal loan through Achieve Loans and I decided to do the application for the home loan through them as well. Everything was going good but the person that I was originally dealing with maybe no longer works there. When I tried to call, the number was no longer in service and he wasn't returning my email. I didn't hear from anybody for a week or so until I started calling. Somebody else picked up on it and got us finished. Everything has been good since the switch.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Dec. 9, 2024

    Everyone at Achieve was so quick in responses, knowledgeable, as well as very friendly. The timeliness as to which I received my loan was also expedient! Very thorough process, worked with me to get all forms I needed as well as achieve an approval way faster than any other company in which I have used previously.

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    Response from Achieve Loans

    Hi Jill, thank you for taking the time to share your experience, We are happy to hear that you are satisfied with our teams service! Please let us know how we can continue to support you & thank you again for choosing Achieve!

    Verified purchase
    StaffLoan Process

    Reviewed Dec. 7, 2024

    Achieve Loans has made the application process and completion of my home equity line of credit loan smooth and professional. Everything was explained to me with careful detail and everyone helped me to prepare and expedite all the paperwork. I am extremely satisfied with my choice of choosing Achieve Loans.

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    Response from Achieve Loans

    Thank you for your wonderful feedback, Jeffery! We’re thrilled to hear that your experience with Achieve was smooth and professional. Ensuring that the application process is clear and stress-free is always our goal, and it’s great to know our team was able to guide you through every step with careful attention to detail. Your satisfaction means the world to us, and we’re honored you chose Achieve!

    Verified purchase
    Customer ServiceStaff

    Reviewed Dec. 6, 2024

    Achieve guided me through the process exceptionally well. They gave me wise guidance and advice about how much to borrow and how to distribute the monies. I give Achieve my absolute highest recommendation! I had several letters telling me I was pre-approved. When I wrote back, some never answered, and some said I didn't qualify. When I responded to Achieve, they advised me that I was under-reporting my income. Achieve pointed out that I was not reporting my Social Security Income. That was nearly fifteen hundred dollars, and I qualified easily.

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    Response from Achieve Loans

    Hi Ronald, thank you for sharing your story! We are happy to help, thank you for choosing Achieve!

    Verified purchase
    Customer ServiceCoveragePunctuality & SpeedStaffBillingLoan Process

    Reviewed Dec. 6, 2024

    So easy to work with. Very fast It was a pleasure. Closing was done in my home. Checks were overnighted and I sent the payments off immediately. Communication was great. Everything went smoothly. Loan officer was knowledgeable and underwriting was very thorough and quick. I was never happier than working with this Company.

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    Response from Achieve Loans

    Hi Margaret, thank you for sharing your experience with our team. We are happy to hear that you are satisfied with our service! Thank you for choosing Achieve!

    Verified purchase
    Customer ServicePunctuality & SpeedLoan ProcessRates

    Reviewed Dec. 6, 2024

    Throughout the loan process, there were a number of delays in processing including acquisition of documents from lenders and securing an appraiser. While this is expected, I would have liked to have had regular check-ins from a singular point of contact from Achieve to explain where we were at. Instead I had to call the company line and spoke with a different person every time. Additionally, at closing, there was miscommunication between Achieve and the notary which was rather stressful as it was not resolved until 30 minutes before the closing appointment. I am pleased with the rates I was provided and was pleased with the "onboarding" experience however.

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    Response from Achieve Loans

    Patricia, thank you for your feedback. We are happy to hear that you are pleased with our rates and onboarding process. We want to apologize for the challenges you faced when trying to reach us. An account specialist will be reaching out to address your concerns.

    Punctuality & SpeedStaffLoan ProcessRates

    Reviewed Oct. 16, 2024

    Achieve Home Loans offered me a good rate, great service and fast funding. It's rare to have a financial services company where friendly people actually help you understand all of your options and helped understand my goals, not just theirs, and then found me a debt consolidation home loan that doesn't force me to refi my first. Thanks Achieve.

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    Response from Achieve Loans

    Bob, thank you for sharing your experience! We are happy to hear that we were able to provide you with a solution that worked best for your goals! Thank you for choosing Achieve!

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    Customer ServicePriceLoan ProcessRatesTransparencyHonesty & Transparency

    Reviewed Dec. 27, 2023

    There was not a clear explanation of costs, specifically interest rates. There was much more volatility in their interest rates than the general market. When the loan was paid off I was misled about the return of funds that I would be receiving. It always felt like the Bud Abbott and Lou Costello "whose on first" story, it's funny in that context but not when it's your money. I would never recommend using them and I will never think of them as a valued partner.

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    Response from Achieve Loans

    Hi Barbara, we are sorry to hear that you feel this way about our service. An account specialist will be reaching out to address your experience.

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    Achieve Loans Company Information

    Company Name:
    Achieve Home Loans
    Website:
    www.achieve.com