Consolidation Plus
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.
- Company typePrivate
- Founded2011
- HeadquartersTempe, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
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.
Consolidation Plus firmographics
Firmographics- 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
Where Consolidation Plus is headquartered
LocationHeadquarters
- HQ city
- Tempe
- HQ country
- United States
- HQ region
- North America
Markets served
Consolidation Plus business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Loans - APR 6.25% to 35.99% |
| One time/ perpetual license | Monthly | Home Equity Loans - APR 5.50% to 13.500% |
| Other | Pay-as-you-go | Debt Relief Program |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Consolidation Plus product offering
Product offeringCore 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
Companies that use Consolidation Plus
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Consolidation Plus technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Consolidation Plus partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Freedom Debt Relief (FDR)coreFDR (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
Consolidation Plus competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Customer concentration
Consolidation Plus financial estimates
Financial estimateRevenue estimate
Valuation estimate
Consolidation Plus leadership team
Management profileNumber of profiles
Consolidation Plus subsidiaries and ownership
Company hierarchySubsidiaries3 records
Consolidation Plus funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Consolidation Plus M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Consolidation Plus
What does Consolidation Plus do?
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.
Is Consolidation Plus a public or private company?
Consolidation Plus is a private company. It is classified as corporate owned and is currently operating.
When was Consolidation Plus founded?
Consolidation Plus was founded in 2011. It employs 51 to 100 people.
Where is Consolidation Plus based?
Consolidation Plus is headquartered in Tempe, United States, in the North America region.
How does Consolidation Plus make money?
Three revenue lines are on record. Personal Loan Origination Fees are the primary driver. The others are home Equity Loan Origination and debt Relief Services.
Does Consolidation Plus have an API?
No public API is recorded for Consolidation Plus.