Achieve is a digital personal finance company that helps people take control of their finances through solutions like personal loans, home equity loans (HELOC), debt consolidation programs, and debt relief programs, depending on your personal financial needs and eligibility.

Achieve offers access to personal loans, home equity lines of credit (HELOC), debt consolidation programs, and debt relief programs, depending on your personal financial needs and eligibility.

Achieve offers financial solutions and educational resources to help you work toward your financial goals. We’re here to help you reach the next level, no matter your starting place. With Achieve, you get access to personal loans and home equity lines of credit with fast online prequalification, low fixed interest rates, and no prepayment penalties. You also get compassionate, judgment-free support if debt has become overwhelming. All of this comes with award-winning customer service from a dedicated team of experts.

Yes. Since 2002, companies within the Achieve family have served more than 2 million members, resolved over $20 billion in debt, and originated more than $14 billion in loans. Achieve is a Better Business Bureau Accredited Business and has earned strong customer ratings on independent review platforms, including 4.8/5 on Trustpilot from more than 12,000 reviews. The entire Achieve team is made up of real people who care. We’re committed to providing transparent financial solutions, educational resources, and personalized support to help our members make informed decisions and work toward a better financial future.

Statistics reflect the results of the members we and our affiliates have served since 2002 (as of July 2026).

Yes, if you qualify, you could use a personal loan to combine multiple debts into one monthly payment, which may simplify repayment and make your debt more affordable. Debt consolidation is a popular reason to apply for a personal loan.

The minimum credit score for an Achieve Personal Loan is 560. We take a holistic approach to loan approval, and review more than your credit score when you apply. We also consider your financial situation and needs.

Click to check rate.

If you’re looking for a way to manage your existing debt, a personal loan is worth exploring if you can afford your debts and you qualify for a new loan at terms you’re happy with. A new loan for debt consolidation could be a convenient way to make your debt more affordable.

Debt relief is an option if you’re experiencing financial hardship and you genuinely can’t afford to fully repay your debts. Debt relief is a more serious solution for big debt problems. The debt relief process typically causes credit score damage.

A personal loan isn’t just for managing debt. It’s also a great way to cover a large expense. If you qualify, you could use a personal loan to cover medical bills, taxes, moving expenses, home improvements, a wedding, or just about anything else that’s important to you.

A HELOC is a great way to cover just about any large expense. For example:

• Debt consolidation

• Home improvements

• Education expenses

• Medical bills

To be eligible for a HELOC, you need to be a homeowner with sufficient equity and meet other requirements.

Achieve Personal Loans are funded in as little as 1-3 days after approval. HELOCS are funded as fast as 5 days after approval.

When you check rates with Achieve, we use a soft credit inquiry that doesn’t affect your credit score. If you choose to move forward with a loan application, we’ll make a hard inquiry that could temporarily lower your score by a few points. 

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Achieve partners with lenders and financial providers to offer a range of solutions, including loans, debt consolidation programs, and debt settlement programs.

No, Achieve and Freedom Debt Relief are not one and the same. Achieve and Freedom Debt Relief share a corporate parent but operate as separate, distinct brands. They are not the same entity. The two brands offer unique customer experiences, with different programs and products.

Achieve, headquartered in Tempe, Arizona, offers access to personal loans and home equity lines of credit, and tools designed to help you optimize debt, improve cash flow, and build a stronger financial future.

Freedom Debt Relief, headquartered in San Mateo, California, offers the nation’s leading debt settlement program, negotiating on behalf of clients to resolve unsecured debts for less than the full balance owed.

Achieve members can access their accounts at Achieve.com. Freedom Debt Relief clients log into their dashboards at FreedomDebtRelief.com. An individual could have accounts with both companies, but it’s not possible to access both dashboards from either site. 

Click to read more about the relationship between Achieve and Freedom Debt Relief.