
Achieve Loans Reviews
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About Achieve Loans
Achieve Loans (NMLS #1810501) offers home equity lines of credit (HELOCs). Its product is targeted toward people struggling with high-interest debt, like credit card debt. With a HELOC from Achieve, borrowers can consolidate multiple high-interest debts into one monthly payment. Achieve’s HELOC has a fixed annual percentage rate and a loan term of 10, 15, 20 or 30 years. Achieve also offers personal loans and debt relief options through Freedom Debt Relief.
Visit www.achieve.com- Good for debt consolidation
- Access up to $300,000
- Fixed interest rate
- Funds in 10 to 12 days
- Origination and underwriting fees
- Limited availability (25 states currently)
Achieve Loans Reviews
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Reviewed Jan. 10, 2026
After filling out the forms online, I got a phone call from Achieve, filled out some more paperwork, and then I got approved. We picked the closing date and then someone came out and I filled out the rest of the paperwork. We sent off the paperwork and it was approved. At that point, I got dispersed funds in a little over a week. One of the creditors has already paid off and another one is still waiting on a check to come in. Achieve was the first place I've found that would agree to me. The rate is 10%, which is not terrible. It's better than a lot of the personal loan offers I was getting but there are probably lower out there. Once some time has gone by, I'll probably refinance it. But overall, it was a good experience.
Reviewed Jan. 10, 2026
I went with Achieve Home Loans to consolidate some debt. James, was one of the first ones to call, and I appreciated the information he provided. He asked a couple questions and we completed an application. He walked me through the steps of what would happen. It all happened quickly, so it seems like it all flowed really well. Then somebody reached out to me, Nicole. Talked about the funding process, then we had the notary come in. Did a quick signing. In between that, there was some other email communications or documents that I needed to sign and upload. Everything seemed seamless and quick. Everybody I spoke with or had interaction with was very professional, was very easy to talk with, and explained the whole process.
Reviewed Jan. 9, 2026
I applied for and received a home equity loan from Achieve; went fine. Just received a letter that a personal loan application from Achieve in my name has been declined. I didn't apply for this loan and want to know who did. No help from 2 calls to your 800 #.
Reviewed Jan. 8, 2026
Don’t communicate much during the process, other than e mails. Funding takes time. Trying to create account so I can access information does not work well. Tried at least 4 times already to create an online account and keeps giving me an error and to try again later. I would probably recommend them to someone looking for a loan.
Thank you for sharing your feedback. We're truly sorry to hear about the issues you've faced with communication and creating an online account. It's important for us to provide a seamless experience, and we apologize for any frustration this has caused. Our team is committed to resolving these issues. We recommend contacting our customer service team for direct support. We’re grateful that you would still consider recommending us, and we will use this feedback to improve our processes. Thank you for your patience and understanding.
Reviewed Jan. 8, 2026
This loan was very fast and easy to do. Everything was done online with minimal effort on my part. Everyone was very helpful and efficient. Closing was quick and easy and done in my home. I would recommend this company for a HELOC loan to anyone looking for one.
Thank you so much for sharing your wonderful experience! It's delightful to know that our team made the process fast and easy for you, especially when everything was handled online. We’re thrilled that you found us helpful and efficient throughout your loan journey and that closing was a smooth and convenient process from the comfort of your home. Your recommendation truly means a lot to us and we're grateful for your trust. If there's anything more you need in the future, we're always here to help!
Reviewed Jan. 8, 2026
Despite having a few delays on our part, the whole team worked with us and we closed really quick and we're very happy with the results and service overall. From the first phone call, I knew that this company had personalized service and also utilized technologies and networking to help out the customer with their ultimate goal.
We're thrilled to hear about your positive experience with our team! It's incredibly rewarding to know that despite the few delays, everything proceeded quickly and smoothly, all the way to a satisfying close. We aim for personalized and supportive service, so it's fantastic that you felt well-assisted right from the first phone call. Utilizing the right technology to ensure each customer's ultimate goals are met is important to us. Thank you for your feedback – it truly means a lot!
Reviewed Dec. 13, 2025
We needed to reduce our high interest credit because I got laid off. It's better than trying to refinance the home because refinancing would have meant 6% interest rate and we're at 2.25%. So it just didn't make any sense to do that and start all over again. We had the balance of the property paid down and we want to keep it paid down.
We researched online about Achieve Loans, and they had good ratings and offered a low rate for what we needed. I'm not one to jump in anything. So I did my homework and they seemed legit and they took care of business. I've developed a sense of being able to read people to a degree and I have a really good ** detector. And the meter was low.
Everything was done online and on the phone, and it was pretty streamlined. If I had a question, I asked and they answered. You do your task online but everything was based on your credit report. They pulled my credit report and did a thorough job. They didn't leave any stones unturned. The people were personable and professional. It made you feel like you were part of the family. The advantage is that it also improves your credit.
All those bills are paid now. I have one payment that's going to be out every month that's a fraction of what I was paying out.
Reviewed Dec. 12, 2025
I was considering six or seven companies, but chose Achieve because of the ease of the process and the digital nature of their services. Obtaining the loan was easy. It was clear, pretty straightforward, and informative. We knew all the steps before we ever filled out any paperwork and we received answers to all of our questions. We had a direct number to the point of contact throughout every step of the process. They were very responsive via email as well.
The only difficult thing was we entered our banking information in the system the same way we entered all of our other information, but it was somehow transposed. So our loan was funded almost three weeks after it was supposed to be funded because someone on their end made an error and it took a while to fix it. Everything else we did with them was totally fine. Their loan process was fast and efficient and their rates were competitive.
Reviewed Dec. 8, 2025
Usually, when I'm looking for a loan, I shop rates on LendingTree. Achieve Loans had a good rate and they were easy to work with. Their portal is easy to navigate too. When I needed to upload documents, I was able to do so seamlessly. They kept me very informed via text, email, and phone calls along the way, which I appreciated since I'm pretty busy.
My rep was great. We had a couple of phone calls and he asked a few questions. He was very informative and walked me through my options very clearly and concisely. He did not take a lot of my time but he made sure I was informed of what would be available, what my commitments were going to be, etcetera. I was very pleased with him. All in all, this loan allowed me to do the repairs in the house that I needed to do and I'm happy with it. It was a simple yet personalized process, and I'd do it again if needed.
Reviewed Dec. 7, 2025
The total process with Achieve had taken one week. Applying for a loan online always has multiple pieces and parts to it, but they made it a lot easier to get those things done. The representative was really communicative in the beginning to help me get through the process. And when we hit a snag at the very end about some of the terms that I wanted to change, he was very helpful there as well.
The only thing that I was concerned about with them was talking to someone in person when I had snags along the way. People wanted to email and not necessarily when I would call them. They didn't want to pick up the phone and answer questions. They sent an email back to me.
Other snags were when I was trying to get things done on the portal, the loan portal was hanging on certain things. And I was calling to try to get those things resolved and tell people, but they weren't reaching out as quickly as I thought they should. But overall, the process was great. It was fast and easy. I've been able to save $3,500 a month in my monthly payments by consolidating debt. It's been one of the best things I've ever done.
Reviewed Dec. 7, 2025
The initial contact with your advisor Christian was above average. He was very knowledgeable and took the time to understand my needs. The closing process is where things took a turn. Paperwork was not forwarded to the Notary when promised. Many phone calls during the closing process were not returned and it took 2 weeks after funding to get creditors paid off. Overall an average transaction but I will not recommend to others!
Reviewed Dec. 6, 2025
The guy from Achieve reached out right away and was very prompt. We primarily spoke on email. The process of getting a loan was easy and efficient. The representatives were very knowledgeable, helpful, and polite. Everything was pretty smooth and straightforward. I would recommend Achieve if someone is looking to get a loan.
Reviewed Dec. 6, 2025
Achieve seemed eager to help me get financing for some home renovations. It was straightforward and easy. I was able to reach out to the representative either via text chat or phone calls, and he was able to answer all my questions. He knew what he was talking about and what he was doing like he's done it for a long time. The application took two and a half weeks, but I was also dragging my feet too. Everything worked out.
Reviewed Dec. 6, 2025
My experience with Achieve Loans was satisfactory from the beginning of the process to the end. I was very impressed that there were no upfront fees associated with the loan process. Everyone that I spoke with at Achieve Loans were so helpful and professional. I am happy and satisfied with my overall experience with Achieve Loans.
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.
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.
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.
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.
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.
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!
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.
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.
Reviewed Oct. 21, 2025
If I needed to do it again, I’d go with them.
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.
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.
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.
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.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
Reviewed July 22, 2025
We were looking to use some of the equity in our home rather than refinancing completely because interest rates come up. Our current original mortgage on our house has a low interest rate and we didn't wanna affect that. We started online with Achieve and the website was very easy to use. This is our second time with Achieve. The first experience was wonderful, so we didn't even consider anyone else when we were gonna do it again. With the market right now, they were fair with the price they gave us.
Reviewed July 17, 2025
They were quick and they were on it. Every step of the way, they were always there. I would call them and the communication was there, for sure. They were perfect in every way.
Reviewed July 17, 2025
I researched online and decided on Achieve Loans due to their customer service and fixed rate. They provide fast responses and very detailed communication via email and phone throughout the whole process, and so far, it seems smooth. Overall, Achieve Loans is good.
Reviewed July 17, 2025
I had to buy a roof and Achieve Home Loans was the very first finance company that popped up. I'd be crazy if I said I wish the rate couldn't have been lower, but it wasn't bad. It was definitely better than what I've been paying on credit cards. Everything was good. They got right back to us quick and they were very helpful. Everybody was great.
Reviewed July 12, 2025
I like Achieve Loans' service. I started it online and a representative called me. I have State Farm insurance. The Achieve rep said, "Go into there, click on this button, do this." He was familiar with the sites that were needed to get the documents. It was quick. He made it easy for me. The only thing that might have caught me off-guard was they told me the loan would fund on a Monday, which is great. But when somebody tells me something's going to fund, that's when I expect to get the money is when it's funded, not three business days later. It says, "Yes, your loan has been funded, but it might take one to three business days for you to get the money." That wasn't something that was relayed to me. It wasn't a big deal, but it would have been nice to know because I expected to have it that day and had some irons in the fire. I had to wait three more days. Also, the interest rate isn't the greatest, but applying for a loan was fast and easy.
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.
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.
Reviewed July 11, 2025
There was an initial application with Achieve. Then a pre-approval, then an approval, then a five-week underwriting asking for additional information, then closing. Now, I'm in the one to two weeks waiting to get the money. They're short-staffed so things took a lot longer than expected. But they got it done. They were always friendly too. However, originally, I was told the underwriting process would take three days. It took almost six weeks. I had four different underwriters during that time. People leaving, having to restart their supervisors. So, it took a long time.
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.
Reviewed July 2, 2025
I looked at six or seven companies and I decided to go with Achieve because of the comments that were online from the consumers. In the ranking of companies, they were one of the best too. I looked into HELOC because I had a variety of different credit cards, and those interest rates were high. So, looked to see what this was about, and then I selected that as opposed to doing a refinance.
Obtaining the loan was quick. It only took them a total of two weeks to get everything done, where it took one week to get approved. But then, just when they sent out the funds to a couple of my loan companies, they had to mail the check to those people because they did not separate electronic funds.
The process was good from the start, going online, and filling out the information. And then the person that was assigned to me to walk me through the process was great. He was knowledgeable of the process, and if I had any questions, he was able to answer questions. The experience has impacted me dramatically. I do not have a lot of credit cards to pay anymore. I can just pay the one payment. Plus, the great thing I love about it is that it is a fixed interest rate. So, that mean that it won’t be changing, especially the way the economy is right now.
Overall, it is a great company. If you want to take in and get an actual loan, then they are great to work with, because I had no hiccups at all. They set up everything with the closing. They were able to get a person that live in my area, and we met. The electronic paperwork was easy to sign, and I had no issue with that at all. I have recommended a friend.
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.
Reviewed July 2, 2025
I was impressed with Achieve Loans' good customer service.
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.
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.
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.
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.
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.
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!
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.
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!
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Hi David, we are sorry to hear about your experience. A loan specialist will be reaching out to address your feedback.
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.
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.
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.
Hi Michael, we are happy to hear that the process went smoothly! Thank you for choosing Achieve!
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.
Thank you for sharing your experience with our customer service team, Kelly!
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.
Thank you for sharing your experience and honest feedback, William.
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.
Thank you for sharing your satisfaction with our team, Latonya!
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.
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.
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.
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.
Reviewed March 20, 2025
My loan process with Achieve went well. They offer good customer service and competitive loan rates.
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!
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.
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.
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.
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!
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.
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.
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.
Hi Tim, we are sorry to hear you feel this way. An account specialist will reaching out to address your feedback.
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.
Hello Angelo, we appreciate your feedback. An account specialist will be reaching out to address your concerns.
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.
Hi Joseph, all of you questions are important to us. An loan specialist will be reaching out to you to address your feedback.
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.
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.
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!!!!
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!
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.
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.
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.
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!
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.
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!
Reviewed Feb. 28, 2025
I got something in the mail from Achieve Loans and it seemed like something I might wanna try. I was also at a window in my life where I’ve got to at least try a HELOC loan, because it was beneficial for me. I've tried this at least once every year in the last three years, but it never worked out. When I called, the rep from Achieve Loans said, "I can't find that information from the mailer in the system, but we'll go ahead and use a different email account and set up a whole other loan." At first, I was hesitant because that had never happened before. But when I went through with it, the benefits turned out tremendously.
What happened was for the next 30 days was I got swamped with calls from a bunch of different lenders. Any time you apply for something like a loan, it gets opened up for other brokers or financial institutions to see that you're applying for something that has to do with a loan. I got major calls, so I pursued a couple of them. When I shopped it around, the loan from Achieve Loans was still a percentage point lower than everyone else. I said, "Let's keep going with this." As it turned out, everything worked out.
They have a little more information than I expected. After the application, they wanted me to submit documents and I did, then they wanted more documentation. Every time I submit documentation, it was through a portal, and that was easy. It finally came to a point when I was like, "That's it. No more documentation." I sat on it for a week and a half and didn't do anything. That's when they started working with me. Almost all loan people, when they do something with your house, they keep requesting documentation and information to help sell the loan to somebody else, for example. They try to cover all the bases in case after they close with you, they can sell it and make money on the market. They request more information so they can get more people out there in the market that would be willing to buy the loan from them.
They wrote the loan, everything went through, and it worked out okay. As it turned out, another department within Achieve Loans bought the loan after closing. I'm still with Achieve Loans. but never sold it to another financial institution. It was about debt consolidation and everything's been paid off. With the other loan companies, they usually give the money directly to the person, and the person pays off their debt. In Achieve Loans’ situation, they gave all the money to all my debtors. But when they did that, they didn't close all the loans, which was a critical stipulation before I signed any document. I said, "You wanna pay all my debtors off and not give me the money directly." I wanted to make sure they were gonna close the accounts, but they didn't. They didn't close the accounts to pay off all the debtors, either. My credit score shot up. It's almost 100 points.
All my debt is paid off and my credit shot up. Now, I'm willing to go ahead and refinance whatever's left, like my car. I got a better credit card with a lower interest rate and higher credit limit. This is what I can use. It's called the excellent credit card because my score was above 750. I can use this to do all my shopping and it keeps getting better and better. I haven't made my first payment yet and it's due in about two weeks, so we'll see how it goes after that. Overall, Achieve Loans has been a great experience. I have nothing but good things to say about them.
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.
Reviewed Feb. 14, 2025
My wife found Achieve Loans. We did a refinance, and the service was excellent. The people actually spoke with me when I had a question as opposed to just shooting off an email, which I absolutely hate. The process took about three to four weeks, and I’m happy with the rates and terms. Of course, I wish the rates were a little bit lower, but based on the other ones, I'm happy with it.
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!
Reviewed Feb. 14, 2025
Achieve’s rates were really good. We wanted to maintain a payment that was reasonable within our time frame, but also to be able to pay off some debt and still have a little bit of money left over to do some stuff for our home.
This was the easiest process I've dealt with so far. Everything in the website was very user-friendly. I was able to do the majority of it on my phone while I was working and I was able to upload documents. The process was really fast. It was easy to navigate. It only took three weeks. They were responsive to text messages and emails. Everything was a lot smoother than what I expected.
The loan officer told me what I needed. He explained everything to me upfront and he took his time telling me all the different options I had without rushing or trying to pressure me into doing it. Once we made the decision on how much we wanted to borrow and the time frame that we were hoping for, he was great. If I would text him, he would respond right away and answer my questions.
Working with Achieve has been a relief since they helped us get out of the situation we were in and allowed us to be able to work with some capital that we needed.
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.
Reviewed Feb. 14, 2025
I looked into getting a HELOC just to do some home improvements, and the application process with Achieve Loans was really easy. It only took about 30 minutes over the phone, and the representative I spoke with was very good. Both the rate and the terms of the HELOC were also very good.
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!
Reviewed Feb. 14, 2025
Everyone I dealt with on the phone was professional. I really needed this HELOC and Achieve came through, for that I am grateful.
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.
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.
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!
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!
Hi Ahmik, we are sorry to hear about the challenges you are facing. An account specialist will be reaching out to address your questions.
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.
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!
Reviewed Feb. 2, 2025
Their service was good. All the rates right now kind of suck, but it wasn't bad. It was in line with the market. I think we’re all getting robbed, but it’s not Achieve’s fault. The process was easy and it was all set in under 10 days. I haven't had any complaints. I'll probably refi everything at some point, not do any cashout, just get a better rate once it's kind of normalized.
Reviewed Feb. 1, 2025
My experience working with Achieve is mixed. At first, it was fine. But when going through the actual documentation and the closing, that seemed to prolong things and they constantly wanted additional documents. When I submitted them, they would ask for more documents and that seemed to drag on for a while. The closing was also being prolonged with different dates set. That was a little frustrating. I would recommend an improvement in the communication.
The lending officer was very receptive, but the underwriting processor that was assigned to me was virtually nonexistent. I actually reached out to the loan officer and he was very good at getting the answers.
The rates were also too high and the terms were confusing. They would send a good faith lending estimate, but then something else would pop up. The loan officer explained it, but it seemed like more and more things would pop up all the time. My loan officer was the only one available to help.
Hi Oliver, we are sorry to hear about your challenges. An account specialist will be reaching out to address your concerns.
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.
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.
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.
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.
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.
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.
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.
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.
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,.
Hi Mike, thank you for sharing your experience with us!
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.
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!
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!
Hi Jon, we are happy to hear that you're satisfied with our convenient application process! Thank you for choosing Achieve!
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.
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.
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.
Hi Mark, thank you for sharing your experience and for allowing us the opportunity to assist you again! Thank you for choosing Achieve !
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.
Hi Juan, we are happy to hear about your experience and that you appreciate the convenience of our service! Thank you for choosing Achieve!
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.
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.
Hi Mary, thank you for sharing your experience! Don't forget we are here to help you every step of the way !
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.
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.
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!
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.
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!
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.
Hi Ronald, thank you for sharing your story! We are happy to help, thank you for choosing Achieve!
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.
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!
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.
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.
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.
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!

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