Achieve Review

Overall Score
4.5 out of 5
Trustpilot
4.8 out of 5
Loan Volume
Not rated
Editorial Rating
4.4 out of 5

Summary

Based in Arizona and started in 2018, Achieve is a finance company that works in debt consolidation, personal loans, home loans, and money management software. They offer HELOC loans for up to $150K, and have a track record of providing a fantastic loan process to its customers.

Highlights

Review
  • HELOC loans for up to $150K
  • Access funds for debt consolidation, home repairs, and more
  • 4.8 rating on Trustpilot
Overall
Homeowners interested in a HELOC loan should look no further than Achieve. The company has a proven record of customer satisfaction due to their quality product and esteemed customer service.

Achieve Ratings

The team at BestRefinanceRates.com considers a variety of sources and methods to determine an overall ratings score. First, a lender's Trustpilot score (or TrustScore) is factored in, when available. Truspilot, a third-party review site, is a leading source regarding customer satisfaction and consumer sentiment. From there, for lenders that publicly release their financial statements, we research loan origination volume. Loan origination volume is one way to understand a lender's solvency and transactional reliability. Next is brand strength. For lenders who have met a certain threshold of engagement on BestRefinanceRates.com, we measure their relative popularity among our consumers. And finally, we offer our editorial ratings, which rely heavily on in-depth brand research and secret shopping.

Editor Ratings

Loan Variety
Loans Offered Include:
HELOC
Achieve offers HELOC loans for up to $150K. Customers interested in borrowing from their home equity in order to pay for immediate costs might be interested in considering this type of loan.
Fees
As their HELOC product is unique in that it comes with a fixed rate, it should be noted that their interest rates are on the higher end overall. Still, their product is particularly useful for those looking to consolidate debt quickly. Regarding fees specifically, their loans can come with a range of associated fees including closing costs -- expect to pay anywhere from a few hundred to a few thousand.
Customer Service
Though they do not have in-person offices, Achieve is well-known for its customer service. Customers can call and be guided through the entire loan process, and can expect this level of commitment for as long as they are involved with the company.
Company Reputation
Based on online reviews, Achieve has a fantastic reputation as a lender. Customers looking for a HELOC option are routinely satisfied by the service and overall loan process offered by Achieve.
Ease of Application Process
Assuming you meet their 640 credit limit requirement, Achieve is known for offering a particularly fast and simple application process. Homeowners can apply online or over the phone, and can expect assistance to be available throughout the process. Funds can be made available in as little as fifteen days.
For Lower Credit Scores
Customers with lower credit scores and debt they need to get handled quickly may find great value in Achieve's HELOC product -- their unique style of loan makes quick debt consolidation possible. Keep in mind, however, that they do still have a minimum credit score requirement of 640.
For Higher Credit Scores
If you have a higher credit score, you can take out a loan with Achieve for either debt consolidation or for other reasons such as home repairs or life event costs such as those for a wedding or funeral. Home equity is a fantastic resource for all homeowners.

Additional Ratings

Trustpilot Rating
  • Achieve has thousands of reviews on Trustpilot, earning the company an overall score of 4.8
Loan Volume Rating
Not rated
  • Achieve cannot be rated for loan volume

Company Background

Achieve is an Arizona-based finance company focused on debt consolidation, home loans, and HELOCs. Besides personal and home loans, the company also has a free money management app meant to make budgeting easier.