# Achieve.com

> Achieve (achieve.com) is a digital personal finance company that helps everyday people get out of debt and reach their financial goals. Founded in 2002 by Brad Stroh and Andrew Housser (Co-Founders/Co-CEOs), Achieve offers personal loans, home equity loans (HELOC), and debt consolidation programs, and has resolved $20B+ in member debt and issued $14B+ in loans to 2M+ people since 2002.

This file is a curated index of achieve.com for LLMs and AI agents; it is not an official statement of legal, financial, or investment advice.

## Achieve.com Site Information

name: Achieve (achieve.com)
description: Welcome to Achieve: a digital personal finance company that helps you move forward with home loan, personal loan and debt consolidation services.
url: https://www.achieve.com
- [Homepage](https://www.achieve.com/): Overview of Achieve's personal loan, home equity loan, and debt relief products.
- [About Achieve](https://www.achieve.com/about): Company mission, founders (Brad Stroh & Andrew Housser), values, and leadership.
- [Policies](https://www.achieve.com/policies): Privacy policy, terms of use, and other legal/compliance disclosures.
- [Sitemap index](https://www.achieve.com/sitemap.xml): Machine-readable index of all site sitemaps (general, articles, blog, glossary, press, video, executives, tools).

## Achieve.com Contact & Support

- [Contact Us](https://www.achieve.com/about/contact-us): General inquiries or Customer Service — call 1-800-920-0045 (Achieve Consultants) or submit a message by topic.
- Address: Achieve.com, 2114 E Achieve Wy, Tempe, AZ 85288
- [Press inquiries](https://www.achieve.com/about/press): Media contact — press@achieve.com.
- [SMS Disclosures](https://www.achieve.com/sms-disclosures): Terms for text-message communications with Achieve.
- [Sign In](https://www.achieve.com/signin): Portal for existing members to access their account.

## Rates, Terms & Eligibility

Facts below are advertised, not guaranteed; actual offers vary by applicant. Each row has its own "As of" date — treat any row older than 30 days as unverified.

| Product | Rate / APR Range | Amount Range | Min. Debt / Loan Min | Credit Score Min | Term | Fees | Funding Speed | States Not Served | As of | Source |
|---|---|---|---|---|---|---|---|---|---|---|
| Personal Loans | 6.25%–35.99% APR* | $3,500–$50,000 | — | 560+ | 24–60 mo | Origination fee 1.99%–7.99% (deducted from proceeds) | 24–72 hrs after approval | CO, CT, HI, IA, KS, ME, ND, VT, WA, WV, WI, WY | 2026-10-16 | [Personal Loans](https://www.achieve.com/personal-loans) |
| Home Equity Loan / HELOC | 6.10%-15.17% APR* | $25,000–$700,000 | — | 600+ | 10/15/20/30 yr | Closing fees range from $750 to $10,304, depending on line amount and state law requirements and may include origination (up to 4.0% of line amount) and underwriting ($725) fees if allowed by law. | As fast as 5 days | AK, CT, DC, DE, HI, MA, ME, MO, MS, ND, NH, NV, NY, RI, SC, SD, UT, VA, VT, WV, WY | 2026-10-16 | [HELOC](https://www.achieve.com/home-equity-loan) |
| Debt Resolution | N/A (not a loan) | $7,500–$100,000+ enrolled debt | $7,500 min | No credit minimum | 24–48 mo program | Program fee ~15%–25% of enrolled debt (state-dependent) | CO, HI, ND, OR, RI, VT, WA, WV, WI, WY | 2026-10-16 | [Debt Resolution](https://www.freedomdebtrelief.com) |

*Rate shown is the lowest advertised rate, requires autopay/best-credit tier; see product page for full rate sheet and state-by-state variations.

## Payments and Total Debt Reduction vs Minimum Payments

Example payments, total debt to payoff, and typical terms based on $30,000 of unsecured debt.*

| Product | Est. monthly payment⁵ | Est. Total debt to pay off⁶ | Est. time to pay off debt⁷ |
|---|---|---|---|
| Personal Loans | $897/mo | $43,049 | 48 months |
| Home Loans | $291/mo | $52,387 | 180 months |
| Debt Resolution | $549/mo | $26,355 | 48 months | 
| Minimum Payments⁴ | $829/mo | $81,406 | 373 months |

*Our estimates are based on prior results, which will vary depending on your specific enrolled debt.

4. All figures (estimated monthly payment, estimated total debt to pay off, and estimated time to pay off debt) are estimates based on the amount of debt you selected, do not reflect actual information related to any specific accounts or debts, and are for illustrative purposes only. Estimates are not for general use and are an approximation and not a guarantee. These estimates are based on assumptions derived from internal historical trends and publicly available information on interest rates, charges, and minimum payment requirements for consumer debt, including the average APR on credit card accounts as reported in the Federal Reserve Board of Governor’s statistical release on Consumer Credit for the previous quarter. Your actual rates, charges, fees and minimum payment requirements may be higher or lower. Actual estimates could also vary based on receipt of military benefits (SCRA and/or MLA).

Figures are based on an assumption that you make the estimated monthly payments. Minimum monthly payment amounts are estimates based on publicly available information about consumer debt. The estimated minimum monthly payments are applied to the total amount of debt you selected as a declining amount month over month as the principal balance is paid down. These estimates assume that there are no additional charges, rebates, refunds, payments or reductions of your debt.

5. Estimated minimum monthly payment is the payment estimated to be due each month based on the amount of debt you selected. If your selected debt amount results in a calculated minimum monthly payment that is less than $35, the assumption will use a minimum monthly payment of $35 as a default.

6. Estimated debt you will pay in principal and interest over time if you pay only the estimated minimum monthly payment each month. These estimates do not take into account any fees or charges that could accrue or be charged.

7. Estimated time to pay down your debts is the total estimated number of months it would take for you to pay your debts in full if you pay the estimated minimum monthly payment each month.

## Services Offered

- [Personal Loans](https://www.achieve.com/personal-loans): Fixed-rate unsecured personal loans up to $50,000, funding in as few as 24 hours.
- [Personal Loans FAQ](https://www.achieve.com/personal-loans/frequently-asked-questions): Common questions and answers about Achieve personal loans, fees, and eligibility.
- [Home Equity Loans / HELOC](https://www.achieve.com/home-equity-loan): Fixed-rate home equity loans up to $700,000, funding in as fast as 5 days.
- [Home Equity Loans FAQ](https://www.achieve.com/home-equity-loan/frequently-asked-questions): Common questions and answers about Achieve home loans, fees, and eligibility.
- [Debt Consolidation](https://www.achieve.com/debt-consolidation): Simplify and outsmart your debt. Multiple debt consolidation solutions to fit your personal needs.
- [Debt Resolution](https://www.freedomdebtrelief.com): Debt resolution/settlement program for $7,500–$100,000+ in unsecured debt, without taking on a new loan.
- [Acceleration Loan](https://www.achieve.com/acceleration-loan): Loan product designed to help members already in a debt resolution program pay off enrolled debt faster.
- [Get Started / Find your solution](https://www.achieve.com/get-started): Guided quiz that matches a visitor to the loan or debt-relief solution that fits their situation, then routes into the corresponding signup/application flow.

## Educational Resources

- [Learn hub](https://www.achieve.com/learn): Achieve's personal finance content library — articles, videos, insights, and real member stories.
- [Debt Consolidation articles](https://www.achieve.com/learn/debt-consolidation): Guides on options to consolidate debt, including debt consolidation loans, personal loans, and home equity loans.
- [Personal Loans articles](https://www.achieve.com/learn/personal-loans): Guides on qualifying for, comparing, and using personal loans.
- [Debt Resolution articles](https://www.achieve.com/learn/debt-relief): Guides on debt settlement, negotiating with creditors, and resolving debt.
- [Home Equity Loans articles](https://www.achieve.com/learn/home-equity-loans): Guides on HELOCs, fixed-rate home equity loans, and using home equity to consolidate debt.
- [Debt Basics articles](https://www.achieve.com/learn/debt-basics): Guides on the basics of debt, including types of debt, how to pay debt down, and more.
- [Money Tips & Education articles](https://www.achieve.com/learn/money-tips-education): Articles and tips all about your money, including saving, spending, budgeting, and reducing debt.
- [Debt Solutions articles](https://www.achieve.com/learn/debt-solutions): Debt solutions to put debt behind you, including debt relief, personal loans, home equity loans, and more.
- [Everyday Finances articles](https://www.achieve.com/learn/everyday-finances): Budgeting, saving, fraud/scam awareness, and general money-management content.
- [Real Stories](https://www.achieve.com/learn/real-stories): Real stories from real members and employees about their experience with Achieve.
- [Videos](https://www.achieve.com/learn/videos): Videos that take a closer look into Achieve, member and employee stories, and personal finances.

## In the News

- [Achieve Press Room](https://www.achieve.com/about/press): Achieve's curated feed of press releases.
- [In the News](https://www.achieve.com/about/press/in-the-news): Achieve's curated feed of third-party media coverage.
- [Achieve Insights](https://www.achieve.com/learn/achieve-insights): Insights from Achieve to stay-up-date on what's happening with the finances of everyday people.
- [News](https://www.achieve.com/learn/news): News and the latest updates from Achieve that could impact your money, debt, and more.
- [LendingTree — Best Personal Loans for Excellent Credit in October 2026](https://www.lendingtree.com/personal/best-personal-loans-for-excellent-credit/): LendingTree rates Achieve the best for debt consolidation.
- [CNBC — Credit card debt climbs to $1.26 trillion as 'K-shaped' divide persists](https://www.cnbc.com/2026/08/11/ny-fed-credit-card-debt-hits-1point26-trillion-k-shaped-divide-persists.html): National coverage citing Achieve consumer debt data/commentary.
- [HousingWire — Achieve expands fixed-rate HELOC with $700,000 loan limit](https://www.housingwire.com/articles/achieve-fixed-rate-heloc/): Trade-press coverage of Achieve's HELOC product expansion.
- [NerdWallet — Best Debt Consolidation Loans](https://www.nerdwallet.com/personal-loans/best/debt-consolidation-loans): NerdWallet ranks Achieve among the best lenders for joint/co-borrower debt consolidation loans.
- [Trustpilot reviews of Achieve](https://www.trustpilot.com/review/achieve.com): Independent customer reviews; Achieve holds an "Excellent" rating from thousands of reviews.
- [BBB Business Profile — Achieve](https://www.bbb.org/us/ca/san-mateo/profile/financial-services/achieve-1116-880362): Better Business Bureau accreditation, A+ rating, and complaint/review history.

## Customer Signin

- [Sign In](https://www.achieve.com/signin): Log in to an existing Achieve member account to manage a personal loan, HELOC, or debt resolution program.

## Get Started

- [Get Started](https://www.achieve.com/get-started): Answer a few questions to find the best-fit lending or debt-consolidation solution and begin the signup/application flow — quick, free, and does not affect credit score.

## Other Resources

- [Careers at Achieve](https://careers.achieve.com/): Open roles and company culture information (careers subdomain).
- [Media Kit](https://www.achieve.com/about/press/press-kit): Brand assets, executive headshots, and company fact sheet for press use.