Achieve boosts HELOC loan limit to $500,000 with APRs as low as 5.875%
Larger loan amounts, a reduction in available interest rates, and expansion to 31 states (nearly 80% of the U.S. population) will fuel Achieve's continued growth in HELOCs.
SAN MATEO, Calif., April 22, 2026 /PRNewswire/ -- Achieve, the leader in digital personal finance, is increasing the maximum loan amount for its home equity line of credit (HELOC) to $500,000. The expansion from the previous $300,000 limit accompanies a reduction in annual percentage rates, with fixed-rate APRs now as low as 5.875% for borrowers who meet certain qualifications, such as enrolling in autopay.
The reduction in APRs and increased loan limits underscore Achieve's commitment to providing affordable options for homeowners in a shifting economic landscape. Achieve continues to offer members across most credit tiers — including those with credit scores as low as 600 — competitive rates, providing homeowners access to their equity, while often reducing their payment burden substantially.
Credit Score Range
New APR
Old APR
720-739
6.125 %
7.125
800-819
5.875 %
6.875
"We are constantly looking for ways to serve consumers better, and we're excited to offer larger loans and lower fixed rates to our members," said Achieve President of Lending Kyle Enright. "At Achieve, we are committed to responding quickly to market opportunities so our members can benefit from lower borrowing costs and higher credit limits that meet their evolving financial needs."
Additionally, Achieve has expanded its footprint by launching in Utah and North Dakota, bringing its innovative HELOC product to a total of 31 states.
Achieve's HELOCs are designed to help homeowners use a portion of their home's equity to consolidate unsecured debts, pay for home renovations, better manage the expense of an upcoming large purchase — or a combination of the three. Achieve HELOCs are fixed-rate and fully amortizing, eliminating the uncertainty and risk of payment shock that traditional HELOCs present to consumers via variable rates, interest-only periods or balloon payments.
Other features and benefits of the Achieve HELOC include:
Homeowners who use an Achieve HELOC to consolidate debt save an average of nearly $800 per month compared to their previous debt payments. Achieve works with its members to conduct a comprehensive financial assessment during the application process. A thorough collateral valuation process helps ensure the HELOCs are originated with low combined loan-to-value ratios that preserve an ample cushion of remaining home equity. Achieve believes this better enables its members to address their immediate financial needs without jeopardizing their opportunity to build long-term wealth via their home.
About Achieve
Achieve, THE digital personal finance company, helps everyday people get on, and stay on, the path to a better financial future. Achieve pairs proprietary data and analytics with personalized support to offer personal loans, home equity loans, debt relief and debt consolidation, along with financial tips and education and free mobile apps: Achieve MoLO® (Money Left Over) and Achieve GOOD™ (Get Out Of Debt). Achieve is frequently recognized for providing top-rated customer experience and satisfaction by both consumers and leading personal finance review platforms and has 2,200 dedicated teammates across the country, with hubs in Arizona, California, Florida and Texas.
Achieve refers to the global organization and may denote one or more affiliates of Achieve Company, including Achieve.com, Equal Housing Opportunity (NMLS ID #138464); Achieve Home Loans, Equal Housing Opportunity (NMLS ID #1810501); Achieve Personal Loans (NMLS ID #227977); Achieve Debt Relief (NMLS ID # 1248929); and Freedom Financial Asset Management (CRD #170229).
Contacts
Austin Kilgore
[email protected]
214-908-5097
Elina Tarkazikis
[email protected]
SOURCE Achieve