No response returned

Founded in 2002 and based in San Mateo, California, is part of Achieve, a financial services company launched by the co-founders of Freedom Financial Network. Unlike traditional debt relief companies, Achieve offers a more comprehensive suite of tools, including personal and , home equity loans, debt relief and financial education aimed at helping consumers tackle debt and build long-term financial stability.

Launched as part of a broader push to modernize debt solutions with technology and transparency, Achieve combines personalized support with a digital-first approach. The company claims to have resolved over $20 billion in consumer debt and funded more than $13 billion in loans as of 2025, and it continues to expand its reach in an era where record-high consumer debt and rising living costs are straining household budgets.

If you're weighing your and borrowing options, understanding how Achieve works, and how it compares to other options, can help you make a more informed decision. Below, we'll detail everything you need to know now.

.

Achieve isn't just one service. It's a financial ecosystem. The company provides several options depending on your goals, debt situation and credit profile. These include:

Achieve offers unsecured personal loans for borrowers who want to consolidate high-rate debt, cover large expenses or simplify their financial obligations. These loans typically with fixed interest rates and repayment terms between two and five years.

You can also use these loans specifically for debt consolidation, with the option for Achieve to pay your creditors directly, making the process more seamless and helping you reduce or eliminate revolving credit card balances.

.

For homeowners, Achieve offers home equity loans, which are a type of secured loan that allows you to borrow against the equity in your home. These loans can be a smart option for consolidating debt at a lower interest rate or funding home improvements, especially if you've built up substantial equity. Loan amounts and rates depend on your credit, income and the amount of available equity in your home.

If you're experiencing significant financial hardship and can't keep up with minimum payments, Achieve also that helps negotiate unsecured debts, like credit cards or personal loans, for less than what you owe. This program is typically a last resort for consumers who don't qualify for a loan or other lower-impact solutions.

In addition to lending and debt relief, Achieve offers clients access to financial literacy tools, progress tracking and credit score monitoring to support long-term financial health.                     

Whether you're applying for a personal loan, debt consolidation loan or home equity loan, Achieve keeps the process streamlined and transparent. Here's how it generally works:

All of Achieve's loan products come with fixed interest rates, fixed monthly payments and no prepayment penalties.

If a loan isn't the right fit for your situation, Achieve may offer debt resolution as an alternative. This path involves a more hands-on process, which includes:

This process typically to complete, depending on your enrolled debt and ability to save.

Here's a quick look at typical qualification requirements for each product:

Personal and debt consolidation loans from Achieve come with fixed annual percentage rates (APRs) that range from 8.99% to 29.99% and include applicable origination fees that vary from 1.99% to 8.99%, depending on your credit. Origination fees are deducted from your loan disbursement.

Home equity loans typically offer lower interest rates than unsecured loans, with APRs ranging from 6.74% to 14.75%, but may include closing costs or appraisal fees. Home equity loan terms range from five to 30 years.

For debt settlement, Achieve charges a performance-based fee of 15% to 25% of your total enrolled debt. These fees are only collected after a successful settlement.

Achieve has built a strong reputation across consumer platforms:

Borrowers frequently praise the platform's ease of use, helpful staff and quick access to funds. Some reviewers note that fees or qualification hurdles may catch applicants off guard, so it's important to read all terms carefully.

Achieve stands out in the debt relief space by offering more solutions than you can typically get with other companies. With personal loans, debt consolidation loans, home equity loans and debt settlement, it provides a flexible and comprehensive approach for borrowers looking to improve their financial health.

If you're looking to simplify your debt, lower your interest rate or fund a major expense, one of Achieve's loan products may be a strong fit, especially if you want to avoid the credit damage of traditional debt settlement. But if you're facing serious hardship and can't qualify for a loan, Achieve's debt resolution program could provide a structured path to getting back on track.