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1-833-418-3103
Get Started


HELLO PERKSPOT MEMBER!

Own a home? Fund life's projects quickly

Mention ‘PerkSpot’ to our sales associates to get up to $1000 off your home
equity loan.*

How much do you want to borrow?1

$20,000

$1,000

$150,000

Get started

Need help? Have questions? Call us! (833) 418-3103



TrustScore 4.8 | 5

$800/mo

average savings for debt consolidation1

$750 Million+

in HELOCs funded2


MAKE YOUR HOME WORK FOR YOU


BORROW UP TO $150,000

Consolidate high-interest debt, improve your home, or cover a major expense.


MORE CASH IN YOUR POCKET

Members save an average of $10,000 a year.


NO REFI REQUIRED

You don’t need to refinance or reset the clock on your mortgage terms.

Explore your estimated savings


UNIQUE FIXED-RATE HELOC


USE YOUR HOME EQUITY TO CONSOLIDATE DEBT


FIXED PAYMENT, FLEXIBLE FUNDS


GET A FIXED-RATE HELOC

We offer a unique fixed-rate home equity line of credit (HELOC) that’s secured
by your home.

View your rate


NO REFI REQUIRED


DON’T TOUCH YOUR FIRST MORTGAGE

Love your current mortgage rate? Keep it without changing your existing rates or
term.

Access your equity


SAVE ON INTEREST


CONSOLIDATE DEBT AT A LOWER RATE

Simplify high-interest debt and save money using the equity you’ve built up in
your home.

Consolidate your debt


FREE LOAN CONSULTATION


APPLY ONLINE OR TALK TO AN EXPERT

A licensed Mortgage Advisor will help you see if a HELOC is right for you and
guide you at every step.

Apply now

1-833-418-3103



MEMBER STORY


THE HIDDEN GOLD MINE IN JEREMY’S HOME



“To dig myself into a hole, and then to be able to tap into the equity in my
home to get myself out of that hole is the best feeling in the world.” 

— Jeremy R., Achieve member*

--------------------------------------------------------------------------------

Total debt consolidated

$21,688

Debts

7

Member since

2022

Helped with

Debt consolidation

*Actual member. Member’s endorsement is a paid testimonial. Individual results
are not typical and will vary.


A UNIQUE DEBT SOLUTION BUILT FOR HOMEOWNERS


CONSOLIDATE DEBT

Pay off $15k-$150k in high-interest credit card debt and unsecured loans.


SAVE $800/MO ON AVG

You’ll only get an offer if we can save you at least $200/mo for debt
consolidation.


GET A FIXED RATE 

Your rate will never change, so it’s easier to manage your budget.1


LOWER MONTHLY PAYMENTS 

Free up cash each month with an affordable lower payment vs minimums.


FAST, FLEXIBLE FUNDING

Easily apply online or by phone. Get approval in minutes, funds in 15 days.1


EXPERT, PERSONAL HELP

A licensed Mortgage Advisor is ready to help on the phone or online.

Explore your monthly payment savings


HOME EQUITY LOANS BASICS


HOW DOES A HOME EQUITY LOAN THROUGH ACHIEVE WORK?





WHAT IS A HOME EQUITY LOAN THROUGH ACHIEVE?



It’s a home equity line of credit. You can borrow money from it, pay it back,
then borrow again during the first five years of your loan term.


WHAT MAKES A HOME EQUITY LOAN THROUGH ACHIEVE UNIQUE?



Unlike typical home equity loans, we offer a fixed-rate HELOC. And we'll only
offer you a home equity loan for debt consolidation if you can save at least
$200 a month versus your current monthly minimum payments. To learn more, read
our Responsible HELOCs Exist article.

Achieve HELOC

Fixed-rate interest

Savings of $200/mo+ for debt consolidation

Fair credit okay (min 640 credit score)

Funding within 15 business days

No early prepayment penalty fees

Traditional HELOCs

Variable-rate interest

Not guaranteed to save on monthly payments

Requires a good credit score

Funding in 30+ business days

May charge prepayment penalty fees


WHAT CAN I DO WITH A HOME EQUITY LOAN THROUGH ACHIEVE?



You can use a home equity loan for debt consolidation, including refinancing
credit cards and unsecured loans. You can turn your home's equity into funds you
can use to:

Improve your home: Fund a home repair or renovation at an interest rate lower
than credit cards.

Save for a rainy day: Build up an emergency fund, or use your revolving line of
credit for surprise costs.

Cover large medical expenses: Pay for expensive medical treatments, elective
procedures, or big vet bills.


HOW DO I GET A HOME EQUITY LOAN THROUGH ACHIEVE?



It’s fast, easy, and free to apply.

Apply online or with a Mortgage Advisor

Receive a pre-qualification decision in 2 minutes or less with our automated
decisioning engine. Or if you’d rather chat with a real person, we offer a fast,
free, and objective assessment of your eligibility.

See if you’re approved

You’re more than your credit score, so we take a holistic approach to determine
your eligibility, which includes evaluating your: debt & income, home value,
credit score (minimum 640), overall needs. There’s less paperwork than you
expect. In most cases, a full in-person inspection of your home will not be
necessary as we use an automated valuation system to determine your home’s
value.

Get a loan decision

If approved, you could close and receive funds in as fast as two weeks.

Home equity loan FAQS


WILL THIS IMPACT MY EXISTING MORTGAGE?



No. Our home equity loan does not touch your first mortgage rate or term.


WHAT TERMS ARE OFFERED FOR HOME EQUITY LOANS?



We offer flexible 10-year and 15-year terms. Both terms have a 5-year draw
period where you can borrow as much or as little as you want up to your full
loan amount.


WHAT IS A LINE OF CREDIT?



A line of credit (“LOC”) is a flexible loan that you can tap into when needed.
You can borrow money up to a predefined amount, pay it back, and borrow funds
again—up to that amount—at any time during your draw period.

LOCs can be either unsecured (like a credit card) or secured by some form of
collateral (like property). Secured LOCs typically come with a higher credit
limit and lower interest rates—both major benefits.


WHAT IS A HOME EQUITY LINE OF CREDIT (HELOC)?



The home equity loan that we offer is a unique fixed-rate home equity line of
credit—also known as a HELOC. It’s the most common type of secured line of
credit for consumers. The money you borrow is secured by your home. By owning a
home, you give lenders a sense that you’re responsible, allowing them to loan
greater amounts at lower rates.


WHY DO I NEED TO USE MY HOME TO SECURE THE LOAN?



Your home is simply there to provide security for the loan. It allows you to
borrow more at a lower interest rate, even with less than perfect credit. Three
really important (and reassuring) things to know. Our home equity loan:

Won’t touch your existing mortgage, leaving your first mortgage rate and term as
is.

Won’t reduce the value of your home. In fact, if you use your funds to improve
your home, your value could go up.

Will disperse funds FAST. Average time to funding is 15-18 business days.

See all FAQS >

Get Started

Explore your options


PAY DEBT EASILY WITH OTHER DEBT SOLUTIONS

DEBT RESOLUTION

Reduce what you owe3

Resolve $7,500-$100,000+ in debt

Pay down debt in 2-4 years

Loan alternative to reduce debt

Get your debt plan

personal loans

Customize your loan4

$5,000-$50,000 fixed-rate loans

Flexible 2, 3, 4, or 5-year terms

Personalized rate discounts

Explore custom rates

FIND YOUR FIT

Explore your best solution

Find a solution to fit your budget

Pay down debt in 2-15 years

Resolve or pay debt on your terms

Find your solution


HOME EQUITY LOANS ARTICLES

Home Equity Loans


WHAT IS A HOME EQUITY LINE OF CREDIT (HELOC)?

A home equity line of credit (HELOC) might be easier to qualify for than a
personal loan. Let’s take a closer look.

Home Equity Loans


FIXED-RATE HELOC: WHY IT’S THE BEST KIND

With fixed-rate HELOCs, you can borrow against your home equity to tackle almost
any big expense or financial emergency.

Home Equity Loans


WHEN DOES IT MAKE SENSE TO USE A HOME EQUITY LOAN TO PAY OFF DEBT?

A home equity loan could be your path to lower interest rates and a more
manageable financial life.

Home Equity Loans


6 WAYS TO USE A HOME EQUITY LOAN OR HELOC

You get to decide how to unleash your home equity loan's financial superpowers.

Home Equity Loans


WHAT IS A HOME EQUITY LOAN?

Your home could be the key to financing your dreams. Meet the home equity loan.

Home Equity Loans


WHAT IT TAKES TO GET A HOME EQUITY LOAN

Is your home your financial hero? A home equity loan could help you cash in on
your castle's value.

Home Equity Loans


HOW LONG DOES IT TAKE TO GET A HELOC?

Got two weeks? You could have a HELOC in your hands, especially if you know how
to prepare to apply.

Home Equity Loans


HOW DOES A HOME EQUITY LOAN WORK?

Home equity loans deliver the cash you need upfront, but don't miss the twist—a
fixed-rate HELOC might out-flex them.

Home Equity Loans


WHEN USING HOME EQUITY TO REMODEL YOUR HOME MAKES SENSE

Turn your home into your dream space: a home equity loan could smartly fund
renovations, adding value to your haven.

Home Equity Loans


PROS AND CONS OF A HOME EQUITY LOAN

Is there hidden cash in your castle? A home equity loan could turn your humble
abode into a financial ace in the hole.

Home Equity Loans


WHAT ARE THE CLOSING COSTS AND FEES FOR A HOME EQUITY LOAN?

Learn how to manage and potentially reduce the fees associated with tapping into
your home's equity.

Home Equity Loans


HOW MUCH CAN YOU BORROW USING A HOME EQUITY LOAN?

When life comes knocking, your home equity could be the answer. You might be
able to borrow more than you think.

Home Equity Loans


SECOND MORTGAGE VERSUS HOME EQUITY LOAN: ARE THEY THE SAME THING?

Second mortgage or home equity loan: the financial plot twist where your home
plays the hero in your cash crunch saga.

Home Equity Loans


HOME EQUITY LOAN VS PERSONAL LOAN: TIPS TO HELP YOU MAKE THE RIGHT CHOICE

Home equity loan vs. personal loan: picking your financial MVP depends on your
game plan.

Home Equity Loans


CHOOSING BETWEEN A CASH-OUT REFINANCE AND A HELOC

A fixed-Rate HELOC provides financial flexibility without resetting your
mortgage term or rate.

Home Equity Loans


CHOOSING BETWEEN A CASH-OUT REFINANCE AND A HOME EQUITY LOAN

Homeowner's choice: learn the difference between a cash-out refi and a home
equity loan, and how to choose.

Home Equity Loans


ARE HOME EQUITY LOANS TAX DEDUCTIBLE?

A home equity loan for home improvements could put more money back into your
pocket compared to other loan options.



UNLOCK YOUR EQUITY


OPEN THE DOOR TO LOWER MONTHLY PAYMENTS

 * Pay off $50k-$150k debt

 * Fixed-rate 10- or 15-year terms

 * $10,000/year average savings

Access your equity


MANAGE DEBT

 * Resolution
 * Debt Consolidation
 * Achieve GOOD App
 * Debt Payoff Calculator


FIND LOANS

 * Personal Loans
 * Home Equity Loans
 * Acceleration Loan


BE SAVVY

 * Dollars & Sense
 * Articles
 * Achieve MoLO App
 * DTI Ratio Calculator


MEET US

 * About Achieve
 * Member Stories
 * Employee Stories
 * Press Room
 * Blog
 * Partners
 * Careers
 * Contact Us


IMPORTANT INFO

 * Policies
 * Privacy
 * CA Privacy
 * Licenses

Achieve is the leader in digital personal finance, built to help everyday people
move forward on the path to a better financial future.

TrustScore 4.8/5

.

* Qualifying members will receive a lender credit equal to 1% of the loan
amount, up to $1,000, when their Achieve loan funds. Offer valid on new
applications received on or after July 1, 2024. This offer is only available to
clients who call the dedicated phone number or go through the dedicated website,
submit an application and fund their loan through Achieve Loans. This offer
cannot be retroactively applied to previously funded loans. Achieve Loans
reserves the right to cancel this offer at any time. This offer is not available
in all states and additional restrictions/conditions may apply. Discount is not
available in the following states: TX, IL, NC, TN, IN, IA.

 1. Home Equity loans are available through our affiliate Achieve Loans (NMLS ID
    #1810501), Equal Housing Lender. All loan and rate terms are subject to
    eligibility restrictions, application review, credit score, loan amount,
    loan term, lender approval, and credit usage and history. Home loans are a
    line of credit. Loans are not available to residents of all states and
    available loan terms/fees may vary by state where offered. Line amounts are
    between 15,000 and $150,000 and are assigned based on debt to income and
    loan to value. Example: average HELOC is $57,150 with an APR of 12.75% and
    estimated monthly payment of $951 for a 15-year loan. Minimum 640 credit
    score applies to debt consolidation requests, minimum 670 applies to cash
    out requests. Other conditions apply. Fixed rate APRs range from 10.25% -
    16.50% and are assigned based on credit worthiness, combined loan to value,
    lien position and automatic payment enrollment (autopay enrollment is not a
    condition of loan approval). 10 and 15 year terms available. Both terms have
    a 5 year draw period. Payments are fully amortized during each period and
    determined on the outstanding principal balance each month. Closing fees
    range from $750 to $6,685, depending on line amount and state law
    requirements and generally include origination (2.5% of line amount minus
    fees) and underwriting ($725) fees if allowed by law. Property must be
    owner-occupied and combined loan to value may not exceed 80%, including the
    new loan request. Property insurance is required as a condition of the loan
    and flood insurance may be required if the subject property is located in a
    flood zone. You must pledge your home as collateral and could lose your home
    if you fail to repay. Monthly/yearly savings claim is based on average
    monthly debt savings from originated loans for 2022. Monthly/yearly savings
    varies based on each loan situation and can be more or less than
    $800/$10,000.  Payment comparison assumes 57,150 loan amount, 12.75% 15 year
    term against  high interest debt minimum payments Contact Achieve Loans for
    further details.
    
    Affiliated Business Arrangement Disclosure: Achieve.com (NMLS #138464), is a
    wholly owned subsidiary of Achieve Company. Achieve Company also owns 99% of
    Achieve Loans. Because of this relationship, your referral to Achieve Loans
    may provide Achieve.com a financial or other benefit. Where permitted by
    applicable state law, Achieve Loans charges: 1) an origination fee of 2.50%
    of the line amount, and 2) an underwriting fee of $725. You are NOT required
    to use Achieve Loans for a home equity line of credit. Please click here for
    the full Affiliated Business Arrangement disclosure form.

 2. Statistics reflect the results of the members we and our affiliates have
    served since 2002 (as of Jan 2024).

 3. Resolution is available through our affiliate Achieve Resolution (NMLS ID #
    1248929). The program guarantee means that if your total program cost and
    fees are more than the amount of debt you enroll, you can get a refund of
    the difference, up to 100% of collected fees. Limitations apply. All
    estimates for Achieve Resolution’s services are based on prior results,
    which will vary depending on your specific enrolled creditors and your
    individual program terms. Not all Achieve Resolution clients are able to
    complete their program for various reasons, including their ability to save
    sufficient funds. Achieve Resolution does not guarantee that your debts will
    be resolved for a specific amount or percentage or within a specific period
    of time. Achieve Resolution does not assume your debts, make monthly
    payments to creditors or provide tax, bankruptcy, accounting or legal advice
    or credit repair services. Achieve Resolution’s services are not available
    in all states, including New Jersey, and their fees may vary from state to
    state. Please contact a tax professional to discuss potential tax
    consequences of less than full balance debt resolution. Read and understand
    all program materials prior to enrollment. The use of Achieve Resolution
    services will likely adversely affect your creditworthiness, may result in
    you being subject to collections or being sued by creditors or collectors
    and may increase the outstanding balances of your enrolled accounts due to
    the accrual of fees and interest. However, negotiated settlements Achieve
    Resolution obtained on your behalf resolve the entire account, including all
    accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

 4. Personal loans are available through our affiliate Achieve Personal Loans
    (NMLS ID #227977), originated by Cross River Bank, a New Jersey State
    Chartered Commercial Bank or Pathward®, N.A., Equal Housing Lenders and may
    not be available in all states. All loan and rate terms are subject to
    eligibility restrictions, application review, credit score, loan amount,
    loan term, lender approval, credit usage and history. Loans are not
    available to residents of all states. Minimum loan amounts vary due to state
    specific legal restrictions. Loan amounts generally range from $5,000 to
    $50,000, vary by state and are offered based on meeting underwriting
    conditions and loan purpose. APRs range from 8.99 to 35.99% and include
    applicable origination fees. Repayment periods range from 24 to 60 months.
    Example loan: four-year $20,000 loan with an origination fee of 6.99%, a
    rate of 15.49% and corresponding APR of 19.54%, would have an estimated
    monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a
    8.99% APR loan, a borrower will need excellent credit, a loan amount less
    than $12,000.00, and a term of 24 months. Loan origination fees vary from
    1.99% to 6.99%. Adding a co-borrower with sufficient income; using at least
    eighty-five percent (85%) of the loan proceeds to pay off qualifying
    existing debt directly; or showing proof of sufficient retirement savings,
    could help you also qualify for lower rates. Funding time periods are
    estimates and can vary for each loan request. Same day decisions assume a
    completed application with all required supporting documentation submitted
    early enough on a day that our offices are open. Achieve Personal Loans
    hours are Monday-Friday 6am-8pm MST, and Saturday-Sunday 7am-4pm MST.
    Statistics reflect the results of the members we have served as of 2023.

© 2024 Achieve.com. All rights reserved. NMLS #138464