Achieve HELOC review 2026
Achieve offers a variable-rate HELOC with a starting APR of 5.50%–13.50% APR (fixed-rate). It's best for fixed-rate helocs and fair-credit borrowers wanting fast funding, typically wants a credit score of 600 or higher, and lends up to $700,000 at a maximum combined loan-to-value of Up to 90% CLTV (NerdWallet cites 85% max). Compare it against at least two other lenders before deciding — checking your rate through King of HELOC won't affect your credit.
Achieve HELOC at a glance
| Starting APR | 5.50%–13.50% APR (fixed-rate) |
|---|---|
| Min. credit score | 600 |
| Max. loan | $700,000 |
| Max. CLTV | Up to 90% CLTV (NerdWallet cites 85% max) |
| States | Licensed in ~31 states (availability and rates vary by state) |
| Best for | Fixed-rate HELOCs and fair-credit borrowers wanting fast funding |
Achieve HELOC pros and cons
Pros
- Fixed-rate HELOC with predictable payments; accepts credit scores from 600
- Fast funding — access equity in about 10 days; no annual fee or prepayment penalty
Cons
- Full initial draw required; primary (owner-occupied) residences only — no second homes
- Origination fee up to ~4% plus a $725 underwriting fee; short 5-year draw period
Who a Achieve HELOC is best for
A Achieve HELOC is best for fixed-rate helocs and fair-credit borrowers wanting fast funding. To qualify you'll generally need a credit score around 600, a debt-to-income ratio of 43% or less, and enough equity to keep your combined loan-to-value at or below Up to 90% CLTV (NerdWallet cites 85% max). Strengthen any one of those before applying and you'll unlock better pricing — see our HELOC requirements guide and how to get the best HELOC rate.
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How this review was made (methodology)
Details above are compiled from public sources, including Achieve's own published disclosures and third-party reviewers, and were accurate as of 2026-06-28. Rates are variable and change frequently. Ratings shown are third-party scores, attributed to their source — they are not King of HELOC's own ratings, and we don't publish invented ratings, rates, or customer reviews. Always confirm current terms on the lender's site before applying.
How we make money. King of HELOC is a marketing and lead-generation service, not a lender, and is not affiliated with or endorsed by Achieve. We may be compensated by lending partners when you're matched with them, which can affect placement but never our editorial standards or the data on this page. All lines are subject to credit approval, income verification, and property valuation.
Compare other HELOC lenders
- Chase HELOC review — moderate lines and second-home helocs
- Bank of America HELOC review — low-fee helocs with intro rate and fixed-rate option
- U.S. Bank HELOC review — borrowers who want fixed-rate locks and no-closing-cost helocs
- See all best HELOC lenders →
Frequently asked questions
Is Achieve a good HELOC lender?
Achieve is best for fixed-rate helocs and fair-credit borrowers wanting fast funding. Independent reviewers rate it 4.5/5 (NerdWallet). As with any HELOC, whether it's the best choice depends on your credit, equity, and state — compare it against at least two other lenders before deciding.
What credit score do you need for a Achieve HELOC?
Achieve typically looks for a credit score of 600 or higher. The lowest HELOC rates generally go to borrowers with 740+ credit, a low debt-to-income ratio, and a combined loan-to-value at or below Up to 90% CLTV (NerdWallet cites 85% max).
How much can you borrow with a Achieve HELOC?
Achieve lends up to $700,000 on a HELOC, subject to a maximum combined loan-to-value of Up to 90% CLTV (NerdWallet cites 85% max) of your home's value minus what you still owe on your mortgage.
What states does Achieve offer HELOCs in?
Licensed in ~31 states (availability and rates vary by state) Availability and terms can change, so confirm on Achieve's site before applying.