Achieve is a leading digital personal finance company built to help everyday people like you get on, and stay on, the path to a brighter financial future. We offer personal loans, home equity lines of credit, debt solutions, and smart money tools and education to help single parents, entrepreneurs, newlyweds, underemployed people and so many more thrive financially. Through innovative tech, intelligent analytics and most importantly, an empathetic human touch, we deliver personalized money solutions built around you, for you. Make today the day you consolidate high-interest debts, free up extra cash and move forward in a life-changing way. Over the past twenty years, Achieve has served over 1.5M members, helping resolve $20B in debt and making over $13B in loans. Learn more about: Debt Relief Debt Consolidation Personal Loans Home Equity Loans Life after debt starts at Achieve Achieve.com (NMLS #138464), Achieve Loans, Achieve Personal Loans, and Freedom Debt Relief are separate operating subsidiaries of Achieve Company. Debt settlement is available through Freedom Debt Relief (NMLS #1248929). Personal loans are available through Achieve Personal Loans (NMLS #227977) originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, and may not be available in all states. Home Equity loans are available through Achieve Loans (NMLS #1810501). All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history.
Written by the business, not verified by us.Achieve (achieve.com) has a 4.7 out of 5 rating on OK.one, based on 200 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 93% rating it 4 stars or higher; The business has replied to 100% of negative reviews. Last updated 2026-08-12.
Traci was very helpful and did a great job explaining everything!
Hello Rick, We are so glad to hear Tracy was helpful and explained everything well! Thank you for your kind words!
Sherri was great to work with!! I look forward in working with her in the future.
Hello Joe, We are so pleased you had such a positive experience with Sherri! We appreciate your kind words.
They will lie to you when they owe you money back. I paid my loan off and it was overpaid because of the automatic payment being made before the payoff cleared. I was told it would take 7 to 10 days to process my zero balance letter and receive my refund. It has been 18 days and I still don't have my zero balance letter or my refund. I get a different story each time I call customer service. Be careful if you happen to get in this situation. They will give you the run around. Overall they were a good company to deal with but after this I will never ask them for another loan. They lost my business after 3 loans that were paid in full. This company never had to worry about my payments each month.
Hi Laura, We are sorry to hear the concerns you are having regarding your payments and we would be happy to provide you more clarity. An account specialist will reach out to you to gather more information.
Joseph, thank you for your help.
Hello Joesph, We appreciate your feedback and are happy to have helped you!
Brianne was very patient and kind. She answered all my questions completely.
Hello Daphne, We're glad to hear Brianne was patient, kind, and able to answer all your questions completely.
Wendy is an exceptional representative of Achieve. She is knowledgable, helpful, and proactive in helping me with all of my issues and goals.
Hello Julia, We're so glad to hear you received such knowledgeable, helpful, and proactive support. We appreciate your positive feedback!
Achieve made this an extremely smooth and clear process. Maria Garcia did a fantastic job working with me and helping me understand any terms and answering any questions. The underwriters and Maria Garcia were fast and provided better rates and loan principles than I was offered before. Maria Garcia is a great loan specialist and definitely worth working with if you need help with a loan.
Hello, We're so glad to hear your process was smooth and clear! It's wonderful that our team provided excellent support and clear explanations. We appreciate your kind words!
Celeste was such a wonderful agent. I truly believe that she really cares about the people she works with. I could always get a hold of her when I had questions or concerns. Thank you so much for your help 😃
Hello Celeste, We're so glad to hear you had such a wonderful experience and felt truly cared for while working with Celeste. We appreciate your kind words and thank you for your feedback!
Hi Lori, Thank you for the fantastic feedback! Our team works hard to stay sharp and provide the best support possible, so your kind words mean a lot to us. Thanks for choosing Achieve!
Wendy with Achieve was exceptional! She was so friendly and helpful with us both and most importantly she was patient and answered all of our questions. She helped us significantly lower our interest rate & APR which is amazing! We are super happy about the new loan and love working with Achieve!
Hi Pamela, We're so happy to hear about your positive experience and that our team member was helpful and patient. It's wonderful that we could significantly lower your interest rate! We appreciate your kind words.
Drew, my consultant was amazing. He explained the whole process and took me through all the details and options. I appreciated his thoughtfulness, knowledge and patience.
Hello, We're so happy to hear our consultant clearly explained everything and offered thoughtful, knowledgeable, and patient support. We appreciate your feedback!
Brittani was absolutely wonderful to work with throughout the entire loan process. She was incredibly personable, patient, and always willing to take the time to answer questions and explain everything clearly. Her positive energy, professionalism, and accommodating nature made what can often be a stressful process feel seamless and manageable. I truly felt supported every step of the way and would highly recommend Brittani to anyone looking for a knowledgeable and caring loan consultant.
Hi Jackie, We are so pleased to hear that your loan process was seamless and manageable. It's wonderful to know that our support made you feel heard and assisted every step of the way. We appreciate your kind words and recommendation.
My loan experience with Achieve was fantastic! Evan was extremely helpful and he helped walk me through every step of the process and answered any questions I had. I would highly recommend his services for any debt repayment you are looking for!
Hi Steve, We're so happy to hear about your fantastic loan experience! It's wonderful that our team member was helpful and guided you through the process. Thank you for your recommendation!
Glen Otoole was very patient and he was a pleasure to work with…He was very knowledgeable…wish he could be my personal finance advisor….,
Hi Tracey, We're delighted to hear our team member was patient and knowledgeable. Thank you for your wonderful feedback!
Hi Charles, Thank you so much for the shout-out! We are thrilled to hear that Keith made the loan process easy for you. We truly appreciate your business!
I completed a heloc loan with Achieve and on 4/29/26 all payments were allegedly made by Achieve. As of 6/12/26, one payment still is posted to my account so I reported this to Achieve 30 days ago. It still is not resolved and I’m getting the run arounds about policy, process and regulations at Achieve. Achieve is not taking care of its customer in a timely fashion. The matter is still pending and I’m making payments in good faith and Achieve is not doing the right thing by me as their customer. At this point it’s feeling very regrettable!!!
Hi William, We are sorry to hear the concerns regarding your payments and we want to make sure this is addressed. We will request more information to have an account specialist reach out to you.
It was reasonably quick. Both Dion and Joseph were kind, thorough and very helpful.
Hi Amy, We're glad you enjoyed your experience. We appreciate your kind words about our team.
I’m not proud because the company that has the account only paid pennies to get the account. They should be providing a form because it was a tax write off
Hi Terry, Thank you for sharing your feedback and we would like to address your concerns. An account specialist will reach out to you to gather more information.
Hi Diana, We appreciate your feedback. Thank you!
Brianna talked me through the process and answered my questions. Going into this I felt uneasy but she made all my worries go away. By the end of our conversation I felt I was making the right choice for me.
Hi Terry, We are so pleased to know that Briana was able to provide such a reassuring and positive experience for you. Thank you for sharing your feedback.
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