Consolidation Plus

What Consolidation Plus does

Consolidation Plus is a Tempe, Arizona-based financial services company operating under the consumer-facing "Achieve" brand and structured as a wholly owned subsidiary of Achieve Company. The company provides debt consolidation and debt relief solutions to U.S. consumers struggling with multiple high-interest obligations, offering three core solution paths: personal loans ($5,000-$50,000, 24-60 months, APRs 6.25%-35.99%) originated via Cross River Bank through affiliate Achieve Personal Loans; home equity loans and HELOCs ($15,000-$700,000, 10-30 year terms, APRs 5.50%-13.500%) through affiliate Achieve Loans; and debt settlement programs ($7,500-$100,000+ in enrolled debt) through affiliate Freedom Debt Relief. An Acceleration Loan is offered as a complementary product to accelerate debt relief enrollment.

The underlying platform is a direct-to-consumer digital lending interface (Achieve.com) with online application processing, a suite of financial calculators (HELOC, Debt Payoff, Debt-to-Income Ratio), the Debt Fit Quiz assessment tool, and two mobile applications (Achieve GOOD for debt-payoff tracking; Achieve MoLO for money management). Phone-based loan consultants provide high-touch support across extended hours. All loan products are originated through bank or affiliate partners — the company itself does not hold a bank charter, operating an asset-light, fee-driven model.

Revenue is generated through origination fees (1.99%-9.99% on personal loans; up to 4.0% plus $725 underwriting on home equity), ongoing loan servicing economics, settlement fees on resolved debt, and program deposits in the debt relief program. The company has served members since 2002 and reports $20B+ in cumulative debt resolved and $14B+ in loans originated, with a 4.8/5 TrustScore. Customer segments are horizontal: individuals with multiple unsecured debts, homeowners with accumulated equity, and delinquent debt holders requiring resolution rather than consolidation.

Name

Consolidation Plus

Legal name

Achieve.com

Website

https://consolplus.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

51–100 employees

Short description

Consolidation Plus, operating as Achieve, is a U.S. consumer financial services platform offering personal loans, home equity loans, and debt relief to individuals seeking to consolidate or resolve multiple high-interest debts. Revenue is generated through loan origination fees, servicing economics, and debt settlement fees across its multi-product ecosystem.

Ownership category

akta.pro rank

Headquarters

HQ city

Tempe

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Personal Loan Origination Fees: Personal loans are originated through affiliate Achieve Personal Loans (NMLS ID #227977) via Cross River Bank. APRs range from 6.25% to 35.99% including origination fees that vary from 1.99% to 9.99%. Revenue comes from interest payments and origination fees charged to borrowers.
2. Home Equity Loan Origination: Home equity loans offered through affiliate Achieve Loans (NMLS ID #1810501). Fees include 3.50% origination fee and $725 underwriting fee. Revenue generated from loan interest, origination fees, and closing fees ranging from $750 to $10,304.
3. Debt Relief Services: Debt relief program through affiliate Freedom Debt Relief (NMLS ID #1248929). FDR charges fees that vary from state to state. Program fees are collected based on enrolled debt amounts and program completion. The company earns revenue when debts are successfully resolved.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Consolidation Plus (doing business as Achieve) provides U.S. consumers with debt consolidation solutions through three product lines: personal loans ($5,000-$50,000, APRs 6.25%-35.99%), home equity loans and HELOCs ($15,000-$700,000, APRs 5.50%-13.500%), and a debt relief program ($7,500-$100,000+ enrolled debt). Loans are originated through affiliated entities Achieve Personal Loans and Achieve Loans (with Cross River Bank as the originating lender for personal loans), while debt relief is delivered through affiliated Freedom Debt Relief. Supporting tools include the Achieve GOOD and MoLO mobile apps and online calculators for fit assessment and payoff planning.

Product overview

Achieve (achieve.com) is a debt consolidation and debt relief platform operating as a multi-product ecosystem. The core offerings consist of Personal Loans and Home Equity Loans/HELOCs for debt consolidation, paired with Debt Relief through affiliate Freedom Debt Relief for negotiated debt resolution. Supporting tools include the Achieve GOOD App for debt tracking and payoff planning, the Achieve MoLO App for broader money management, and various calculators (HELOC, Debt Payoff, Debt-to-Income Ratio). The Acceleration Loan functions as a complementary product to accelerate debt relief programs. All loan products are offered through affiliated entities (Achieve Personal Loans, Achieve Loans) while debt relief is provided through Freedom Debt Relief.

Differentiator

Problem solved

Functional benefit

Brands

• Achieve GOOD App: Mobile application for tracking debt payoff progress and managing debt-free goals
• Achieve MoLO App
• Freedom Debt Relief
• Acceleration Loan
• Debt Fit Quiz

Quantifiable outcome

• Average savings of $10,000 for home equity loan debt consolidation (based on Q4 2024 originated loans)
• +5 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Freedom Debt Relief (FDR)coreStrategic or Co-development PartnerFDR (NMLS ID #1248929) is an affiliated company providing debt relief services as part of the Achieve platform. FDR enrolls unsecured debts for resolution and is operated as a separate entity under the Achieve Company umbrella. FDR provides debt settlement services, while Achieve.com provides marketing and lead generation.

Scale indicators3 records

Expansion highlights5 records

Market position

Competitive moat4 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Consolidation Plus