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Achieve Home Loans Review

Reviews 10,796
Achieve Loans
Achieve Loans
Reviews 10,796
Kale Havervold
Sep. 04, 2023
3 min read
Kale Havervold
Achieve Loans Summary
Achieve provides home equity lines of credit (HELOCs) that homeowners can use for a variety of different purposes. The company works with people across the credit spectrum, and applying online is fast and easy. Not only that, but you can get funds quickly. While most HELOCs are variable, Achieve offers fixed-rate HELOCs. This provides better clarity regarding payments, and ensures there are no unexpected payment increases that you can’t handle.


  • Fast application and funding process
  • Available to those with less-than-perfect credit
  • Fixed rates for peace of mind


  • Only for homeowners
  • Not available in some states


Achieve has been around for over 10 years and is headquartered in Tempe, Arizona. To date, it has helped members resolve over $16 billion of debt. In addition to debt consolidation, you can use HELOCs to help with large purchases or cover the costs of expenses like renovations, education, or vacations.

Applying only takes a few minutes, and Achieve will work with you even if you don’t have the strongest credit history. Its customer support is excellent and the company website includes blogs and guides to improve your financial knowledge.

Suitable For?

Achieve is best suited for homeowners with fair credit. Many lenders require a high credit score to secure funding, but Achieve is more flexible with who it works with. 

The company is also great if you want to consolidate your debts, as long as they’re over $15,000. Instead of having to make several high-interest payments each month, you can pay off all of your consumer debts with a HELOC. Then you’ll only have a single low-rate payment to worry about.

Types of Loans/Products

Achieve’s HELOCs let you use a portion of your home equity as a revolving credit line for large purchases, streamlining monthly payments, or emergencies.

  • 600 credit score required for debt consolidation, 670 for cash out
  • 10- and 15-year terms
  • Loan-to-value must be 80% or lower

The Application Process

Applying for an Achieve HELOC is quick and easy, and you can do this online.

  1. First, click the “Get Started” button on the Homepage of the website, and select the product you want to apply for.
  2. Choose how much you want to borrow, and what you'll use it for.
  3. Next, enter your personal information, like your name, date of birth, email address, residential address, phone number, and social security number.

Once you submit, you can receive a pre-qualified decision in two minutes or less. If your application is fully approved, you can receive funds in as little as 15 days. You’ll be able to set up an online account where you can access your account and make payments securely.

Rates and Terms

Achieve provides 10- or 15-year terms on its HELOCs. The amount you borrow depends on your loan-to-value and debt-to-income ratio but can range from $15,000 to $150,000.

The interest rate you pay depends on factors like your loan-to-value ratio and overall creditworthiness. You can also get a 0.50% discount on your interest rate if you enroll in automatic payments.

Depending on where you live, you may be responsible for closing fees. These include origination fees (2.5% of the amount borrowed) and underwriting fees ($685). However, these are bundled into the line of credit and spread out over your monthly payments.

Help and Support

If you need assistance, you can contact Achieve over the phone at 844-606-9533 or fill out the online contact form. Operating hours for phone calls are Monday-Friday, 6am-5pm (PT).

The company is willing to answer questions before you apply, during the application process, and throughout your time as a member. The Achieve website also includes a variety of helpful blog posts on topics like coping with financial hardship, getting out of debt, staying on budget, and more.


If you’re a homeowner who needs some extra cash or you want to consolidate your debt, Achieve HELOCs are a great option to consider. Both applying and getting your funds are quick and easy, and the fixed rate ensures you’ll always know how much your payments will be.


What can you do with a HELOC?

You can use a home equity line of credit to consolidate high-interest debt, pay for home renovations, cover education costs, or pay for any other large purchase that comes up.

Is it complicated to get a HELOC with Achieve?

No. The process is clear and straightforward. All you need to do is fill out the application, get approved, and receive your funds. In most cases, there’s no need for a home appraisal.

Is Achieve Home Loans legitimate?

Yes, Achieve is a legitimate company. It has existed for over 10 years and has over a million members. The company also has generally positive reviews on Trustpilot and the Better Business Bureau.

Does a HELOC or home equity loan affect or interfere with an existing mortgage?

No, a home equity loan or HELOC won’t affect your mortgage. There’s no impact on your rates, terms, or mortgage payments. Of course, you should keep your mortgage payment in mind when deciding how much to borrow from the line of credit.

Are HELOCs safe?

While any sort of loan or investment carries some risk, HELOCs are generally safe. They tend to have low interest rates, and you only need to pay interest on and repay what you borrow from the line.

However, if you use a HELOC to pay for purchases you cannot afford, you could risk losing your house if you cannot make the repayments. But as long as you stay within your means, they’re a great and affordable way to access extra cash if you need it.

How is a HELOC different from a home equity loan?

Both use your home equity to provide the funds you need, but they do it differently. HELOCs give you a line of credit you can borrow from and pay back as you need. A home equity loan is a lump sum that you receive upfront, and pay back over the term of the loan (plus interest).

Physical Address

Achieve Loans, 2114 S Freedom Way, Tempe, AZ, 85281-6230


This review was created with information from the Achieve Home Loans website.

Kale Havervold
Written by
Kale Havervold
Kale Haverold is a freelance writer with over 5 years of experience crafting articles about credit cards, loans, debt, and a raft of other personal finance topics. His work has been featured on, BestMoney, Yahoo, Hardbacon, and Loans Canada. Kale’s easy-to-digest, research-driven articles stem from his passion to share knowledge that helps readers make informed financial decisions.

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Trustpilot reviews
See what some customers are saying about Achieve Loans
Excellent • Reviews 10,796
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
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Nicole Phillips
17 hours ago
I loved working with Heather
I loved working with Heather, she was so sweet and very knowledgeable. She made this process such a breeze.
Melissa Coey
2 days ago
Explained everything great made the…
Explained everything great made the whole thing fast and easy
3 days ago
Marci Morales took time to educate me on the process
Marci Morales really took the time to educate me on the overall process and make sure I understood it all before moving forward. She even gave me tips and tricks on how to work on cleaning up my overall credit in addition of the loan. She made a connection in making me feel comfortable and that I was going with the right lender.
4 days ago
Joseph Freedman
Joseph Freedman, is the reason I continued and went through with your company. I believe I started with this process on the 1st of February, I bugged Joseph numerous times, and each time he was patient and always had an answer. You are very lucky to have such a dedicated representative for Achieve.
Earl Adams
4 days ago
Heather made my experience very…
Heather made my experience very delightful. She is caring, courteous, professional and very knowledgeable about the product. I am so glad I was contacted for this option.