RocketLoans loan amount is slightly higher, but the lowest possible rate is higher. Additionally, RocketLoans requires a higher minimum FICO score, a minimum income and two years of credit history. This means that in many cases, Achieve is likely to be the better option. You can qualify with a slightly lower credit score, and if you have good credit, you’ll qualify for a lower rate. So, unless you need that extra loan amount, opt for Achieve.