Achieve

What Achieve does

Achieve is a privately held digital personal finance platform operated by Freedom Financial Network Funding, LLC (d/b/a Achieve Company) and headquartered in Tempe, Arizona, with a secondary presence in San Mateo, California. The company serves U.S. consumers carrying unsecured debt, homeowners seeking to access equity without refinancing their first mortgages, and distressed borrowers seeking settlement of $7,500 to $100,000+ in unsecured obligations through three core product lines: Achieve Personal Loans (unsecured personal loans of $5,000–$50,000 originated through Cross River Bank), Achieve Loans / Achieve Home Loans (HELOCs and home equity loans of $15,000–$700,000), and Achieve Debt Relief (debt settlement delivered by subsidiary Freedom Debt Relief). Complementary offerings include the Acceleration Loan for fast-tracking debt-relief programs, the GOOD and MoLO mobile apps for guided payoff planning and account aggregation, and an educational content hub (Achieve Learn) with calculators, quizzes, and videos.

The underlying technology stack combines a proprietary digital origination and e-signature platform with Pagaya's AI-powered underwriting engine (integrated December 2025), account-aggregation via MX Technologies, session-replay/behavioral analytics via Hotjar, and Google Ads/Analytics for paid acquisition and measurement. Achieve's HELOC origination and capital-markets infrastructure has supported eight HELOC securitizations in 2025 (including a $271.2M AAA-rated deal with Jefferies) and two pioneering debt-settlement-fee securitizations ($217.2M in December 2025 and $151.4M ACHD Trust 2026-DS1 in 2026). The company employs over 1,500 teammates in Arizona, operates under four separately licensed entities (NMLS #138464, #1810501, #227977, #1248929) covering 33+ U.S. states, and is preparing to extend its platform to correspondent mortgage lenders through Achieve Pro in H2 2026.

Achieve's revenue model combines interest income on originated loans (personal loan APRs of 6.25%–35.99%; HELOC fixed APRs of 5.50%–13.50%), upfront origination/underwriting fees (1.99%–9.99% on personal loans; up to 3.50% plus $725 on home equity), outcome-based debt-settlement service fees on enrolled unsecured debt, and proceeds from HELOC and debt-settlement-fee securitizations that fund ongoing originations. GTM is anchored on a direct-to-consumer digital storefront (achieve.com) with self-serve pre-qualification, supported by phone-based loan consultants, an inside-sales function, a customer referral program, and a content/SEO-driven acquisition engine. The company states it serves over 1 million members.

Name

Achieve

Legal name

Achieve.com, LLC

Website

https://achieve.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Achieve is a privately held digital personal finance platform serving over 1 million U.S. consumers with personal loans, HELOCs, home equity loans, debt settlement (via Freedom Debt Relief), and financial wellness apps, operating through multiple licensed entities across 33+ states.

Ownership category

akta.pro rank

Product category

Consumer Financial Services

NAICS

Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

akta.pro secondary industries

Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD), Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Financial Inclusion & Consumer Empowerment (Banking Access, Credit Building) (BPAGALAJ), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Personal loans
• Home equity loans
• Debt consolidation
• Debt settlement services
• Financial wellness tools

Headquarters

HQ city

Tempe

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Personal loan interest income: Interest income earned on unsecured personal loans originated through Achieve Personal Loans (NMLS #227977) and funded by Cross River Bank, with loan amounts from $5,000 to $50,000 and APRs of 6.25% to 35.99% over 24-60 month terms.
2. Personal loan origination fees: Origination fees of 1.99% to 9.99% charged on Achieve Personal Loans, bundled into disclosed APRs.
3. Home equity loan and HELOC interest income: Interest income earned on home equity loans and HELOCs originated by Achieve Loans (NMLS #1810501), with line amounts of $15,000 to $700,000, fixed APRs of 5.50% to 13.500%, and 10/15/20/30 year terms including a 5-year draw period.
4. Home equity origination and underwriting fees: Origination fee up to 3.50% of line amount and underwriting fee of $725 on Achieve Loans home equity products, where permitted by state law; total closing fees range $750 to $10,304.
5. Debt settlement service fees: Service fees earned by Achieve Debt Relief (operated by Freedom Debt Relief, NMLS #1248929) on negotiated debt settlements for unsecured consumer debt ranging $7,500 to $100,000+.
6. HELOC securitization proceeds: Proceeds from HELOC-backed securitizations used to fund ongoing originations; Achieve closed eight HELOC securitizations in 2025 including a $271.2 million AAA-rated deal with Jefferies as structuring agent.
7. Debt settlement fee securitization proceeds: Proceeds from securitizations of debt settlement fees, including a $217.2 million deal in December 2025 and a $151.4 million ACHD Trust 2026-DS1 deal in 2026, used to expand liquidity and capital markets reach.

Pricing tiers

Go-to-market motion5 records

Distribution channels6 records

Marketing channels9 records

Core offering

Achieve provides digital personal finance solutions combining unsecured personal loans (originated by Cross River Bank through Achieve Personal Loans, NMLS #227977), home equity lines of credit and home equity loans (Achieve Loans, NMLS #1810501), and debt settlement services (Freedom Debt Relief, NMLS #1248929). The platform targets U.S. consumers seeking to consolidate debt, access home equity, or resolve unsecured debt, supported by AI-powered underwriting, financial wellness apps (GOOD and MoLO), and an integrated digital storefront at achieve.com.

Product overview

Achieve is a digital personal finance platform delivered through multiple operating subsidiaries of Achieve Company (Freedom Financial Network Funding) that offers a unified member experience combining lending products, debt settlement, financial wellness tools, and educational content. The portfolio centers on three core product lines: unsecured Personal Loans (originated via Achieve Personal Loans, NMLS #227977, through Cross River Bank), Home Equity products including HELOCs and Home Equity Loans (Achieve Loans / Achieve Home Loans, NMLS #1810501), and Debt Relief services delivered through the related Freedom Debt Relief brand (NMLS #1248929). These core products are complemented by the Acceleration Loan, which speeds up a member's debt-relief enrollment, and by mobile and educational tools including the Achieve GOOD App for guided debt-payoff planning, the Achieve MoLO App (which uses MX Technologies to aggregate third-party financial account data for money management), and the Achieve Learn hub of articles, calculators, and videos. The roadmap includes Achieve Pro, a third-party HELOC origination channel for correspondent lenders launching in H2 2026.

Differentiator

Problem solved

Functional benefit

Brands

• Achieve Personal Loans: Unsecured personal loan product offered by Freedom Financial Asset Management, LLC (NMLS #227977), originated by Cross River Bank; loan amounts $5,000–$50,000; APRs 6.25%–35.99%.
• Achieve Loans
• Achieve Home Loans
• Achieve Debt Relief
• Freedom Debt Relief
• Achieve GOOD
• Achieve MoLO

Products and services

• Personal Loans Unsecured personal loans offered through Achieve Personal Loans (NMLS #227977), originated by Cross River Bank, with loan amounts from $5,000 to $50,000, APRs of 6.25% to 35.99% (including origination fees of 1.99%-9.99%), repayment terms of 24 to 60 months, and minimum 640 FICO (660 for loans $35,000+). Targeted at U.S. consumers seeking to consolidate debt or finance large expenses.
• HELOCs (Home Equity Lines of Credit) Fixed-rate home equity lines of credit offered through Achieve Loans (NMLS #1810501), with line amounts from $15,000 to $700,000, fixed APRs of 5.50% to 13.500%, 10/15/20/30 year terms including a 5-year draw period, and closing fees of $750-$10,304. Requires owner-occupied property collateral and minimum 600 FICO.
• Home Equity Loans Home equity loans offered through Achieve Loans (NMLS #1810501) with 10, 15, 20, and 30-year terms, marketed as a lower-cost way to consolidate debt without refinancing the first mortgage.
• Achieve Debt Relief Debt settlement services provided by Freedom Debt Relief (NMLS #1248929), a subsidiary of Achieve Company, negotiating with creditors to resolve enrolled unsecured debts for less than the full amount owed, typically resolving $7,500-$100,000+ in debt in as little as 24-48 months.
• Debt Consolidation Solution offering that combines Achieve Personal Loans and Home Equity products to consolidate multiple debts and due dates into one fixed monthly payment, reducing total interest cost.
• Acceleration Loan Loan designed to accelerate a member's debt relief program by providing upfront funds to fast-forward debt settlement, tied to Achieve Debt Relief enrollment.
• Achieve GOOD App Free mobile application designed to help members get out of debt faster through guided digital enrollment, a smarter debt payoff plan, and progress tracking.
• Achieve MoLO App Mobile money management app that connects to members' third-party financial accounts via MX Technologies to aggregate balances and transactions and provide a consolidated view of their finances.
• Achieve Pro Upcoming third-party origination channel for fixed-rate HELOCs giving correspondent mortgage lender partners direct access to Achieve's HELOC infrastructure, digital origination experience, and capital markets capabilities.

Quantifiable outcome

• Cut personal loan minimum APR from 8.99% to 6.25% (274 basis points) while maintaining credit performance
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Freedom Debt ReliefcoreStrategic or Co-development PartnerFreedom Debt Relief (NMLS #1248929) is a subsidiary of Achieve Company that delivers the Achieve-branded debt settlement program. Achieve and Freedom Debt Relief operate as distinct consumer brands but share corporate ownership; debt relief services offered through Achieve.com are actually fulfilled by Freedom Debt Relief.
• Pagaya TechnologiescoreTechnology or IntegrationPagaya's AI-powered underwriting technology was integrated with Achieve Personal Loans in December 2025 to enable the reduction of minimum APRs from 8.99% to 6.25% while maintaining credit performance, supporting responsibly expanded access to unsecured credit.
• MX Technologies, Inc.coreTechnology or IntegrationMX Technologies provides the digital money management and account-aggregation functionality underlying Achieve.com's financial tools and the MoLO app, retrieving third-party account information on behalf of consenting users.
• LendingTreeminorGTM or Marketing PartnerLendingTree features Achieve Personal Loans and Home Equity Loans as Top 3 Customer Satisfaction rankings across 2025 and Q1 2026, displayed as badges on achieve.com.
• NerdWalletminorGTM or Marketing PartnerNerdWallet listed Achieve Personal Loans as "Best for Joint Debt Consolidation Loans" in May 2026, featured on the Achieve homepage as a third-party endorsement.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Best Egg: Best Egg is a D2C personal loan platform focused on debt consolidation and home improvement borrowers; comparable to Achieve Personal Loans on product structure, APR range, and target near-prime consumer segment.
• LendingClub: LendingClub is a D2C and partnership-based personal loan platform targeting debt consolidation and refinancing borrowers; highly comparable to Achieve Personal Loans on product, target segment, and bank-partnership origination model.
• Freedom Debt Relief: Freedom Debt Relief is actually Achieve's own subsidiary but operates as an independent D2C debt settlement brand comparable to National Debt Relief and Pacific Debt Relief in the consumer debt settlement category.
• Upstart: Upstart is an AI-driven lending platform using alternative data for credit decisioning on personal loans and auto loans; directly comparable to Achieve's Pagaya-powered underwriting approach and D2C personal loan offering.
• National Debt Relief: National Debt Relief is a leading U.S. consumer debt settlement company serving borrowers with $7,500+ in unsecured debt; directly comparable to Achieve Debt Relief (Freedom Debt Relief) on product, target customer, and regulatory profile.
• Figure Technologies: Figure Technologies is a blockchain-enabled HELOC and home equity lender with D2C origination and capital markets execution; directly comparable to Achieve on HELOC product, securitization funding model, and target homeowner segment.
• Prosper Marketplace: Prosper is an online personal loan marketplace connecting borrowers with investor capital; comparable to Achieve Personal Loans on D2C personal loan product, bank-partnership origination, and target debt consolidation use case.
• LightStream (Truist): LightStream is the online consumer lending division of Truist Bank offering unsecured personal loans for debt consolidation and home improvement; comparable to Achieve Personal Loans on product, APR range, and bank-funded D2C origination model.

Broad incumbents

• Rocket Mortgage: Rocket Mortgage is the largest U.S. mortgage originator and a meaningful competitor in HELOC and home equity lending; comparable to Achieve Loans on home equity product, though Rocket operates at far greater scale and brand recognition.
• SoFi Technologies: SoFi is a direct D2C competitor offering personal loans, home equity, and a broad suite of banking and financial wellness products to U.S. consumers; both compete for prime and near-prime borrowers but SoFi operates as a chartered bank with deposit funding.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/achievecom
• Facebookfacebook.com/achievecom
• LinkedInlinkedin.com/company/achievecareers

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries5 records

Funding overview

Funding rounds12 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Achieve