The faster way to finish your debt resolution program

ACCELERATION LOAN

The fast way to finish your debt resolution program

An invite-only acceleration loan that knows you’re more than a credit score.

$3 Billion+

in acceleration loans funded

4.8/5

Trustpilot star ratings

1.5 months

average time to finish debt resolution¹

ELIGIBLE MEMBERS INVITED ONLY

Put debt resolution on fast-forward

Speed up debt resolution

End your resolution program within a few short weeks once approved.²

Consolidate enrolled debt

Simplify your debt with an affordable, fixed-rate consolidation loan.³

Move finances forward

Take control of your debt and meet your financial goals sooner.

HOW IT WORKS

3 steps to accelerate your debt resolution program

STEP 1

Get invited and apply

To be eligible, you must be a current member in good standing with an approved debt resolution program. A Loan Consultant will invite you to apply. They’ll answer your questions and help you through your application.

Not in a debt resolution program?

Learn more

STEP 2

Resolve enrolled debts

If you’re approved, your loan funds are used to resolve your outstanding enrolled debts and program fees.

STEP 3

Start repaying your loan

Once all your debt is settled, your debt resolution program is complete, and you can start making fixed monthly repayments for your loan.

Not in a debt resolution program?

Learn more

MEMBER STORIES

We had Wanda’s back

“Achieve was easy to work with...it makes you feel so good that you have someone out there that can help.”

– Wanda A., Achieve member⁴

Total debt consolidated

$15,829

Debts consolidated

Time to debt-free

1 month

Member since

2020

Trusted by over 1.5 million members

ACCELERATION LOAN BASICS

How do I qualify for an acceleration loan?

An acceleration loan is an invitation-only loan for eligible members who are currently enrolled in select debt resolution programs. To be invited to apply for a loan, you must demonstrate an ability to make consistent deposits in your debt resolution program account, in addition to other factors.

How do I apply for an acceleration loan?

Here’s how to apply for an acceleration loan:

Apply with a Loan Consultant

After a Loan Consultant contacts you to discuss your loan option, we will offer you a loan application and guide you through the process.

Get a decision in 1-3 business days

Once you complete the application and submit any required documents, we will review your application over the next 1-3 business days and determine if you qualify for a loan.

Review your loan offer

If you're approved, a Loan Consultant will contact you with your loan offer that has a rate and term customized to fit your financial situation.

Accept your offer

Congrats! All you have to do is accept the offer to start funding your loan.

Pay outstanding debt with loan

We’ll contact your debt resolution provider and work with them to accelerate your debt resolution program and consolidate your debt in 1.5 months on average after you sign the loan offer.

Why should I apply for an acceleration loan?

If approved for an acceleration loan, your Loan Consultant will help you understand how the loan works alongside your debt resolution program, and help you evaluate whether a loan is right for your situation.

There are many benefits to an acceleration loan, but here are a few:

Benefits

Complete your debt resolution program early

Consolidate your enrolled debt into one fixed-rate loan

Consistent monthly payment, no prepayment penalty

Stop creditor collection calls

Apply for a loan at no cost and with no obligation

Acceleration Loan FAQs

Is there a prepayment penalty for an acceleration loan?

There are no penalties for paying off your loan early. And since our acceleration loans have fixed rates, your rate will never increase during the life of the loan.

Can I qualify with bad credit?

Even if you have bad credit, you could be eligible for an acceleration loan. Credit score is not a major factor that we consider when deciding who is eligible for an acceleration loan. However, your commitment to your debt resolution program is an important consideration in determining eligibility to apply.

How does an acceleration loan work when I am already enrolled in a debt resolution program?

With an acceleration loan, the proceeds are provided to fund your debt resolution program and accelerate the negotiation and settlement process. After that, your debt resolution program is complete, and your payments for that program will end. Finally, you’ll begin making payments for your acceleration loan instead.