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Beyond Finance

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6.6

Overall Score

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LAST UPDATED: March 27th, 2024

Beyond Finance is a debt consolidation company with a simple mission: to help people save money, gain control of their finances, and borrow responsibly. As the consumer debt market continually grows, Beyond Finance works around the clock to create both practical and fair debt management services that are customized to its customer's needs.

Beyond Finance also aims to go above and beyond in customer service, and clients have access to the company's consultants — who are there to guide clients through every step of the process and provide personal support and solutions.

The company has offices in Chicago, Houston, and San Diego and was founded in 2016.

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The Good

  • Simple Debt Relief Process
  • AADR Accreditation
  • Personalized Services
  • Beyond Finance Reviews

Simple Debt Relief Process

Beyond Finance has a simple, three-step process to help clients settle their debts. First, the company analyzes your existing debt to ensure the company will be able to help you. If it can, the Beyond Finance team will work with you to develop a debt relief solution that fits your unique needs.

Then, Beyond Finance will work on your behalf to settle your debts and save you as much money as possible. These results are not always guaranteed, however, and it is important to realize that if you agree to work with a debt settlement company, you do so at your own risk and may end up paying money in without getting the results you want.

The final step in the process is to eventually move beyond your debt (hence the company name.) As you start making a single monthly payment into your Beyond Finance account, the company will help you diminish or refinance your debt in less time than you might be able to do on your own. 

Again, remember that this process is different for every client, and while debt relief companies have helped many clients reduce their debt over time, this isn’t always the case and results are not guaranteed.

AADR Accreditation

Beyond Finance is an accredited member of the American Association for Debt Resolution (AADR), formerly known as the American Fair Credit Council (AFCC). The AADR is one of the primary organizations with which a debt relief company can become accredited — the association sets industry standards and regulates ethical business practices among debt relief companies. Thus, the fact that Beyond Finance is accredited by the AADR indicates that the company has high business standards and delivers a reliable service.

Personalized Services

Beyond Finance is a debt consolidation company. This means that when you choose to work with the company, you start making a monthly payment into a special account that you create solely for the purpose of paying off debts.

After you have accrued enough money (generally four to six months into the process), Beyond Finance will start using the money in your account as leverage to negotiate settlements with your creditors. 

If you are not current on your monthly payments, the debt settlement process might be delayed, because if you don't have enough money in your account with which Beyond Finance can negotiate, it will have to wait until you do.

The company also advises you to send any and all collection calls its way. If you receive a collection call, you can tell the person on the phone that you are working with Beyond Finance toward debt settlement, and he or she can contact the company directly with any questions.

Beyond Finance Reviews

On BestCompany.com, current Beyond Finance reviews are primarily positive — 83 percent of reviews are 4 or 5 star. Satisfied Beyond Finance customers most frequently highlight the company's exceptional customer service.

The majority of customers often mention Beyond Finance team members by name, highlighting how knowledgeable, patient, and reliable the team member was in helping them approach and understand the debt relief process. In addition, customers appreciate the simplicity of the Beyond Finance debt relief process.

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The Bad

  • Cost Not Published
  • Minimum Debt Requirement Not Published

Cost Not Published

We can’t find any information about Beyond Finance’s pricing or cost of services. Some debt relief companies are very transparent with this information, while others require you to schedule a consultation before you can get an idea of what you might be paying into the debt settlement program and what fees will apply.

Typically, you can expect to pay anywhere between 15 to 25 percent of your debt in fees to the debt relief company you choose to work with. If during your consultation with Beyond Finance, you realize that you will be paying more than this, you may want to consider other options.

Minimum Debt Requirement Not Published

We also cannot find any information regarding a minimum debt requirement for Beyond Finance. This either means the company does not have one, or that this information is just not available online.

During your initial conversation with the company, you will discuss the existing debt you have and the company will determine whether or not you qualify for its services. However, without a published minimum debt requirement, you will not know in advance if you have enough debt to work with Beyond Finance or not.

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The Bottom Line

Beyond Finance is AADR-accredited, ensuring that the company meets high industry standards. The company offers a simple debt relief process that is personalized to your needs. A Beyond Finance team member will work with closely with you, helping you understand how debt relief works, and how it will benefit you based on your credit score and accumulated debt.

Beyond Finance reviews are primarily positive with customers frequently highlighting the company's exceptional customer service. However, we would recommend reading reviews before choosing a debt relief company.
 
View Best Debt Relief Companies

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Star Rating

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4.6

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476 Reviews

Review Breakdown

5 grade

79%

4 grade

5%

3 grade

1%

2 grade

1%

1 grade

14%

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Review Source

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Pat

I had the best representative John K! He was very understanding with me and my problems that was about to happen to me. My financial situation was getting bad after years of dedication and faithfulness to my creditors. He was good to me in trying to see, what the best resolution would be for me. He got me a plan of action. He was fast, courteous, respectful of my needs. He needs a “pat” on his back. A job well done. I recommend Beyond Finance for your financial needs! Thank- you, John.

1 week ago

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Reply from Beyond Finance

Hey Pat-

Thanks for the great feedback, and congratulations on moving beyond debt! People seeing real results is what it’s all about. Thank you for choosing Beyond Finance.

Thanks,

Client Success Team at Beyond Finance

Mar. 22nd, 2024

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Mike

Beyond Finance’s staff are very professional, courteous, and understanding. They provide excellent reference material and promptly provided “next step” information. Knowing that my Beyond Finance Rep received the same services convinced me that I was with the right company.

1 week ago

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Reply from Beyond Finance

Hey Mike-

Thanks for your lovely review! We’re so happy you had such a great experience with our team. We care deeply about helping our clients move toward a brighter financial future with care and kindness. Thanks for choosing Beyond Finance!

—Client Success Team

Mar. 22nd, 2024

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wendy carnahan

I wanted to Thank Aaron R @ Accredited for his knowledge and exceptional customer service! He really listened and consoled me as well! Amazing and top notch!! Wendy Carnahan

1 week ago

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Reply from Beyond Finance

Wendy-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team

Mar. 22nd, 2024

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Cheryl Peters Chassell, MI

I was nervous about doing this but, Albert answered all my questions in a very profesional manor and made me feel comfortable. I'm glad I reached out to your company for help & glad I'm on the road to getting my life back in order!

1 week ago

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Reply from Beyond Finance

Hey Cheryl-

Thanks for your lovely review! We’re so happy you had such a great experience with our team. We care deeply about helping our clients move toward a brighter financial future with care and kindness. Thanks for choosing Beyond Finance!

—Client Success Team

Mar. 22nd, 2024

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Sharon Weir GA

Just started my experience with Beyond Finance. I’m excited to see they have already started working on my first resolution. I like the prompt notifications. Looking forward to working with them. Hope they don’t disappoint.

3 weeks ago

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Reply from Beyond Finance

Hey Sharon-

Thanks for the feedback! We want all of our clients to have a great experience with us. We’re happy that our Client Success team gave you the support you needed.

As always, you’re welcome to contact us any time at [email protected] or 800-282-7186.

- Client Success Team at Beyond Finance

Mar. 6th, 2024

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DocSue1 Hollywood, FL

The financial consultants are sincere and knowledgeable, while maintaining professionalism and honesty at every stage. You are made aware of your options at each stage, so you can make a decision that works best for you. My consultant, Marcus and on-boarding agent Ashton were exceptional. They took the time to go over the available plans, what to expect, and made sure to give information so that I could reach them to ask follow-up questions, if necessary. I have already recommended Accredited to colleagues and friends because the consultants went above and beyond to explain, elaborate, and clarify any and all questions I had before, during, and after I signed up.

2 months ago

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Reply from Beyond Finance

Hi there-

Thank you for the kind words. We are thrilled to hear about your onboarding experience with Marcus and Ashton. We are excited to see the rest of your progress on your journey towards financial freedom.

—Client Success Team at Beyond Finance

Jan. 23rd, 2024

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Monike Reed CA

The patience and kindness of my representative. She was very informative and took her time helping me understand the process. I definitely will recommend to others.

1 week ago

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Reply from Beyond Finance

Hey Monike-

Thanks for the feedback! We want all of our clients to have a great experience with us. We’re happy that our Client Success team gave you the support you needed.

As always, you’re welcome to contact us any time at [email protected] or 800-282-7186.

- Client Success Team at Beyond Finance

Mar. 22nd, 2024

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Breana Garretson Lincoln, NE

From my first conversation the counselor was understanding and gracious. She never made me feel bad for life happening and my situation just assured me we would work together and find an option that worked for me

2 weeks ago

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Reply from Beyond Finance

Hey Breana-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team

Mar. 22nd, 2024

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Rue Davis Birmingham, AL

I haven't even started but the team has already given me good advice to get out of debt and gain my life back again. Today's conversation ✨️ and advice was the best and I'm make steps to finalize my program.

3 weeks ago

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Reply from Beyond Finance

Hey Rue-

Thanks for the feedback! We want all of our clients to have a great experience with us. We’re happy that our Client Success team gave you the needed support.

As always, you’re welcome to contact us any time at [email protected] or 800-282-7186.

- Client Success Team at Beyond Finance

Mar. 6th, 2024

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Deena K Schererville, IN

I liked the person i worked with. He seemed very caring and was most patient walking me thru everything. Looking forward to getting out ot debt that was. huge weight on my shouders.

3 weeks ago

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Reply from Beyond Finance

Hey Deena-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team

Mar. 6th, 2024

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Amy Thomason Las Vegas, NV

Excellent service by Austin, but this 81-year-old's son was concerned and wanted to review your offer to consolidate to be sure this is the correct way to reduce monthly payments and balances owed. If he approves, I will re-start the process.

1 month ago

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Reply from Beyond Finance

Hey Amy-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team

Feb. 27th, 2024

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Review Source

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Stacy K Memphis, TN

Kevin R was extremely helpful and professional handling my debt issues. He explained everything and really made me feel heard regarding my situation. Everyone at Beyond Finance has made the whole process very easy.. I’m very grateful! Having medical issues.. it’s one less thing I’ve got to worry about! Thanks again!!

1 month ago

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Reply from Beyond Finance

Hi Kevin-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Feb. 20th, 2024

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DawnElizabeth Tucker Wixom, MI

Clarity and the time spent teaching me about how debt, credit cards and credit reports work. Amazed at how easily us consumers can get trapped into a credit card system of unreasonable expectations. I’m so glad there’s a decent sensible way out of paying off debt.

1 month ago

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Reply from Beyond Finance

Hi there!

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Feb. 15th, 2024

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D May Glendale, CA

Excellent customer service and wanted to thank Casey R for her assistance and for walking me through the process. Casey is amazing, helpful and knowledgeable of the system. Her excellent customer service has convinced me to sign up.

1 month ago

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Reply from Beyond Finance

Hi Casey-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Feb. 15th, 2024

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Review Source

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Jolene Ewing Brooksville, FL

I got overwhelmed with not knowing where to go for help. They reassured me that they were there through the whole process and walked through everything with me. They care about everyone they come in contact with. I cannot say enough about them.

1 month ago

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Reply from Beyond Finance

Hi Jolene-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Feb. 2nd, 2024

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Cathy L Baton Rouge, LA

La-Showndra was extremely helpful. She answered all of my questions and made everything very clear to me and when I didn’t understand something I felt very comfortable with her and was able to ask her to explain things again. She really took her time with me and made sure I understood everything she was explaining to me. La-Showndra H was a true Blessing to me and my family.

2 months ago

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Reply from Beyond Finance

Hi Cathy-

Thanks for your lovely review! We’re so happy you had such a great experience with La-Showndra. We care deeply about helping our clients move toward a brighter financial future with care and kindness.

—Client Success Team at Beyond Finance

Jan. 31st, 2024

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Patricia Mack Rockledge, FL

I was searching for help managing my finances and not sure I would find it. I was doubtful that i could find help. But I did! With Beyond Finance!! My counselor spent a great deal of time with me shaping a manageable plan. He took great care to explain how Beyond Finance would work with me. Time was no problem, I never felt pressured or rushed. The plan we devised is path for moving forward in a positive and sensible way. I feel as if I be made a new friend...one who will guide me. There is a lot of support and quick access to advice in moving forward in a new way

2 months ago

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Reply from Beyond Finance

Hi Patricia-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Jan. 17th, 2024

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Review Source

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Evelyn Williams Round Rock, TX

Talk about a superhero. This company and my customer debt resolver, Megan, came in the nick of time. After decluttering my house, I needed help to declutter some of my debt. Everything and every step of this program was explained to me and I’m confident it is going to help me tremendously. Everyone I spoke with was very professional and friendly and Megan was extremely patient. I can’t say thank you enough.

2 months ago

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Reply from Beyond Finance

Hi Evelyn-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Jan. 10th, 2024

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Jackie Keystone Heights, FL

Darron was absolutely wonderful. He explained in detail what to expect and how long it would take to clear my debt. I recommend this company to anyone who is trying to get out of debt. I’d give them 10 stars if I could.

1 month ago

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Reply from Beyond Finance

Hi Jackie-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Feb. 2nd, 2024

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marya veillon

Maribel, answered all questions. Gave advice we asked for on another situation we were dealing with. She gave us comfort and relief knowing our financial circumstances would be taken care of.

1 month ago

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Reply from Beyond Finance

Hi Marya-

Thanks for your lovely review! We’re so happy you had such a great experience with Maribel. We care deeply about helping our clients move toward a brighter financial future with care and kindness. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Jan. 31st, 2024

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Kenneth Weiers Bay City, MI

I have been very hesitant about signing up for this my credit score was over 700 just a short time ago and was not keeping my head above water for much longer Steve was very helpful in helping me make this decision so thank you and looking forward to being debt free of credit cards very shortly

2 months ago

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Reply from Beyond Finance

Hi Kenneth-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Jan. 31st, 2024

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Maria Muniz Clermont, FL

Im fairly new to the program so far my experience has been good, talking to courteous and knowledgeable people I can’t wait to see where this journey will take me, keeping myself positive for whats to come, therefore I’m expecting an amazing experience.

2 months ago

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Reply from Beyond Finance

Hi Maria-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Jan. 31st, 2024

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Tina Juber

I had a great experience. My questions were answered and I felt very positive about my selection for my debt consolidation. I was treated to excellent customer service. Much time was taken to cover all points on how this program works, and have all I need to look at to keep track of everything.

2 months ago

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Reply from Beyond Finance

Hi Tina-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Jan. 23rd, 2024

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Cheri Dayton, NV

I'm new to the program and had several questions, the reps I spoke with answered my questions satisfactorily. I'm still skeptical but trying to stay positive that I won't have a problem with any of my creditors and actually have a debt free ending. I've done debt consolidation loans in the past so this debt relief is new to me.

2 months ago

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Reply from Beyond Finance

Hi Cheri-

Thank you for sharing your experience. We are thrilled to hear that our team was able to answer all of your questions. As a reminder, you can contact our team anytime at 800-282-7186 with any questions you may have. —Client Success Team at Beyond Finance

Jan. 23rd, 2024

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MaryAnn Callahan Fayetteville, AR

We like to simplicity of your program. We are just starting, and we really appreciate Michael H's professionalism in explaining everything & communicating to us the processes we will be experiencing. We look forward to a win/win relationship with Beyond Finance.

2 months ago

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Reply from Beyond Finance

Hi MaryAnn-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Jan. 16th, 2024

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Senad H St Louis, MO

Beyond Finance has been a pleasure to work with. They have a very professional and knowledgeable team that makes the whole process very easy to understand and they help you through everything with patience and understanding. Thank you for helping me get through all this and thank you for picking such awesome human beings to represent your company and help people such as myself get out of this hardship.

3 months ago

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Reply from Beyond Finance

Hi there,

Thanks for your lovely review! We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Dec. 15th, 2023

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Roger Wood

Their honesty and looking out for me. Their keeping me abreast of what is going on.

6 days ago

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Reply from Beyond Finance

Hey Roger-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Mar. 22nd, 2024

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Donald Jackson Sanford, NC

I was skeptical at first, but after the representative explained all the steps and assured me that the company was here to help me, so glad I was approved...

1 month ago

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Reply from Beyond Finance

Hi Donald-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Feb. 15th, 2024

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Karin Hood

Great company to work with. Very dedicated to helping us. Made sure we understood all aspects of what was going to happen during our journey to a new sustainable budget.

1 month ago

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Reply from Beyond Finance

Hi Karin-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Feb. 7th, 2024

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Joanne Benjamin San Diego, CA

I like the constant communication and patience they exhibited. They took the time to go over all aspects of the process and were willing to answer any questions and/or clarify anything I needed.

2 months ago

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Reply from Beyond Finance

Hi Joanne-

We’re so glad that you chose to enroll with us, and we can’t wait to help you move beyond debt.

We’re dedicated to keeping you up-to-date with your progress throughout your journey! You can track your progress by going online [https://www.beyondfinance.com/], or by contacting us at [email protected] or 800-282-7186. Thanks for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Jan. 2nd, 2024

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Jeryl Brazil

I give them a rating of 5 stars! This experience so far has been awesome!

1 day ago

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Tammie Klutts Jasper, AR

Very polite people. No pressure but explained things in an easy to understand way

1 week ago

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Reply from Beyond Finance

Hey Tammie-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team

Mar. 22nd, 2024

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Linda Stewart McClure, IL

We fell on hardship with Covid, with multiple family illnesses following and were drowning in debt. I seen no way to get us out of debt and my stress and worry was getting worse. I knew we needed help but was very skeptical of debt consolidation programs. Majikeen And Daniel were amazing to work with and explained the entire process in detail letting me ask all the question I had and answering them with knowledge. After the initial conversation they gave me time to go over things on my own. By that evening we set up enrollment and had it all completed by close of business that same day. Majikeen Has followed up with me twice already and has provided an open line and email to keep in touch. I also have my own secure log in to watch the progress as things move forward. This program is nothing short of a miracle for me and my family and we look forward to becoming debit free in an 8th of the time that it would have taken without this program!

8 months ago

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Reply from Beyond Finance

Hey Linda!

Wow! This is the kind of feedback we live for. We know that our clients deserve all the compassion and support in the world, and we’re so glad to know that we’re meeting that expectation. We’ll be sure to pass on your wonderful words to Majikeen and Daniel. We look forward to continuing to help you reach your goal of financial freedom.

-Client Success Team at Beyond Finance

Jul. 14th, 2023

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Dawn Herndon Sterling Heights, MI

The people at Beyond Finance are very pleasant, kind, & informational. They put my mind at ease during a very stressful period in my life.

1 month ago

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Reply from Beyond Finance

Hi Dawn-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Feb. 13th, 2024

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Susie Moreno Oliver Durham Jackson, CA

I really Liked the agent that worked with my husband and I. Robert was very friendly and patient with us and we will defiantly reccommend Beyond Finance and Robert Hostetler

2 months ago

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Reply from Beyond Finance

Hi Susie-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Jan. 23rd, 2024

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Ryan Harris DeRidder, LA

The service was great, and your customer representative went above and beyond to help me,he answered all of my questions with much understanding 👍 thanks 👌

2 months ago

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Reply from Beyond Finance

Hi Ryan-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Jan. 18th, 2024

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Cherie Ferguson Ocean Springs, MS

Mr. Joel C was professional, courteous, and completely transparent with the services your company offers. I normally compare companies when doing business, and select the cheapest, lol! I did not even look at another company, I signed up with you that day. Thank you. Please thank Mr. C as well.

4 months ago

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Reply from Beyond Finance

Hi Cherie!

Thanks for your lovely review! We’re so happy you had such a great experience with Joel. We put a lot of work into helping our clients move toward a brighter financial future with care and kindness, so we’ll be sure to pass your wonderful words on to them. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Nov. 10th, 2023

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Keith Watson

I was apprehensive after looking at a TikTok video but after a conversation with the representative and reviewing my financial situation Beyond Finance has relieved and saved me thousands in interest that I had not really considered but it adds up when you have multiple loans. I feel relieved and stress free and can sleep good knowing soon I’ll be debt free.

8 months ago

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Reply from Beyond Finance

Hey Keith!

We are glad that you came around to us! Congratulations on taking control of your finances and thank you for the wonderful review! We thrive on this kind of feedback and are thrilled that our program is helping you achieve your financial goals.

Thanks for choosing Beyond Finance.

- Client Success Team at Beyond Finance

Jul. 18th, 2023

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Judith K. Kralevich Fresno, CA

John was very helpful with setting up the financing. Hope some day he can help me again.

1 month ago

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Reply from Beyond Finance

Hey Judith-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team

Feb. 28th, 2024

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Maggie Palm Bay, FL

Liked: The attention (listening) to my problem when my personal banker couldn’t help, kindness, researching options for me, offering me 2 options to choose from all while I waited on the phone. The thorough explanation and education regarding how creditors charge interest rates and how I can improve my financial situation. Not at all pushy; actually, genuinely guiding me through process while allowing me to be in control of my choices without any pressure. Waking me through each step online with patience (as I’m not tech savvy), and when all was finished asked again if there is anything I had questions about directing me to where all my information can be found. The follow up is wonderful; very supportive as initially, it’s hard to sit back and allow process however, I don’t feel alone. Love that I’m not losing sleep over debt concerns as it’s in someone else’s hands, thank you! Didn’t like: Oh my, thus far I have nothing to dislike. Again, thank you!

9 months ago

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Reply from Beyond Finance

Hey Maggie!

Thanks for your lovely review! We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future with care and kindness, so we’ll be sure to pass your wonderful words on to them. Thanks for choosing Beyond Finance!

-Client Success Team at Beyond Finance

Jun. 29th, 2023

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Ricky Laney Phoenix, AZ

I really appreciate my Rep Sonny's knowledge on the subject matter. I had thought about going this route for a while. If I had managed to find a way to supplement my Social Security income upwards of 6k a year I would have been able to take care of these three cards - at least to pare the balances by 2k each - but that hasn't happened. So at 28% even making double monthly payments bare gets me beyond treading water - and I already was putting upwards of 40% of my entire income into that effort. I hope with Beyond Finance to get free and clear in 24 months. I really believe that is a realistic achievable goal.

9 months ago

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Reply from Beyond Finance

Hi there, Ricky—

Thanks for your lovely review! We’re so happy you had such a great experience with Sonny. We put a lot of work into helping our clients move toward a brighter financial future with care and kindness, so we’ll be sure to pass your wonderful words on to them. Thanks for choosing Beyond Finance!

-Client Success Team at Beyond Finance

Jun. 22nd, 2023

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Denise Gibson Brighton, CO

I reach out to Beyond Finance and they were very helpful and Polite. When I got off the phone I felt so much relief and stress lifted off my shoulders. They walk me through everything and never one made me feel ashamed. They keep me informed on everything and I can now see light at the end of a dark tunnel. I did great had a good credit score , they all at once lost my husband and my mom in the same week. Had to leave my job to move home with family. So to say I have been through a rough spot is an understatement, but because of Beyond I feel I can get back on my feet. So Thank you all for all your doing and have done this far. This company gave me back my Dignity. if you need help don't wait contact them . They can help you feel so much better.

11 months ago

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Reply from Beyond Finance

Welcome to the program, Denise!

Thanks for taking the time to review us! We know that being burdened by debt can be stressful, but we’re excited to help you take your first steps toward a brighter financial future.

We’re committed to keeping you informed as progress is made on your debt resolution journey: you can always track your debt resolution progress by viewing your program online [https://www.beyondfinance.com] or contacting us with questions at [email protected] or 800-282-7186. We’re here for you.

- Client Success Team at Beyond Finance

Apr. 5th, 2023

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Chelsie valle Cibolo, TX

Easy to set up. Representative was very knowledgeable and polite and compassionate about our situation.

1 month ago

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Reply from Beyond Finance

Hey Chelsie-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Feb. 22nd, 2024

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Amy Neal Houston, TX

Very informative of how this works. Understandable and polite! I would recommend this company to everyone!

1 month ago

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Reply from Beyond Finance

Hi Amy-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Feb. 20th, 2024

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Mary Talley Bradenton, FL

Liked the confidence Brad inspired in us that we were doing the right thing for us. Nothing that we didn't like.

1 month ago

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Reply from Beyond Finance

Hi Mary-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Feb. 7th, 2024

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[email protected] Prescott, AZ

Representatives have been so kind and encouraging! I feel empowered by Beyond Finance to get debt free and stay that way!

2 months ago

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Reply from Beyond Finance

Hi there-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Jan. 18th, 2024

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Monique Allen District Heights, MD

The customer service representatives were very polite, informative, and took their time with explaining the program and usage of the app.

2 months ago

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Reply from Beyond Finance

HI Monique-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Jan. 10th, 2024

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Michael Morrison Alexandria, VA

Justin W was very professional and walked me thru every step of the debt relief program at the same time understanding my current debt load and criteria.

3 months ago

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Reply from Beyond Finance

Hi Michael-

Thanks for your lovely review! We’re so happy you had such a great experience with Justin. We care deeply about helping our clients move toward a brighter financial future with care and kindness. Thanks for choosing Beyond Finance!

—Client Success Team at Beyond Finance

Dec. 21st, 2023

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April

This company is a rip off. They settled 2 accounts I paid $900 and the 3rd account took me to court they didn’t even try to negotiate with them I settled with that company out of court with a payment agreement. Then when I said this wasn’t helping me and I wanted to close my account they KEPT MY $300 I had in my dedicated account saved. Hmmm just seems like they’re just as bad as all those companies they talk down on about high interest you do the math they took $300 on $900 settlements that’s 33% they are nothing but crooks and are just as bad as high interest creditors they talk down on. Would NEVER RECOMMEND anyone to this company not even my worse enemy.

3 months ago

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Reply from Beyond Finance

April-

We are an AADR accredited business that has helped over 300,000 consumers on their path to financial freedom and serviced over $3 billion in unsecured debt. We pride ourselves on helping people move beyond debt while running a transparent business and advocating for consumer rights.

We appreciate your feedback and are sorry to hear your experience has not lived up to your expectations so far. Please feel free to reach out to our Client Success team through our live chat support, at [email protected] or 800-282-7186. We give our clients 24/7 access to our team, to make sure we can clear up concerns like yours as soon as possible.

- Client Success Team at Beyond Finance

Dec. 19th, 2023

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Christopher Schumann Weedsport, NY

Please stay away. As a business owner myself, I tend to not give out negative reviews as I know how harmful they can be but if I can keep even one person from enrolling it will be well worth it. In December 2022 when I signed up, I wasn’t struggling with credit card debt, I simply wanted a consolidation loan to combine my several credit card payments into just one payment a month. I Googled “credit card consolidation loan” and Beyond was one of the first to pop up. I called inquiring about rates and terms. The woman I spoke with talked about how they’re a great option to escape debt and lower my monthly payments. Stupidly on my part I went ahead, it was then I was told that I’d take a “slight temporary hit” on my credit score, but nothing to worry because everything will be wrapped up “shortly” and I can move on from my debt. What an awful choice on my part. They tell you to stop making your credit card payments, and that you’ll soon be “contacted” by the credit companies and to “ignore them”. Well they hound you. Multiple times a day. They will contact your family looking to get a hold of you. Endless letters sent by US Mail and FedEx. And more and more phone calls to you and sometimes your family members. That “slight” and “temporary” hit to your credit score? Mine went from a 710 in December 2022 to where it sits in high 500’s in December 2023. So either I was lied to about “slight” or the definition of the word has changed at some point and I wasn’t notified. I had planned around this time to move, that can’t happen now because no way I’m getting any decent mortgage with a credit score in the 500’s. The true cherry on the top of this program, is that in July 2023 I was sent an email from Beyond saying something along the lines of “congratulations you will soon qualify for the Graduation Loan Program”. Basically saying I’ve done everything I’ve needed to and that soon I’ll be getting a code from Above Lending with an invitation to a credit consolidation loan. Hallelujah I thought, the exact thing I was looking for in the first place. I call Beyond to ask for more information and they say that you need to be in the program for 9 months and have 6 consecutive months of on time payments. Perfect, I never miss any payments, and within a few weeks I’ll have been in the program 9 months. It hits 9 months of me in the program, I call and ask about the loan, the person I speak with said I’ve met all of the requirements and I’ll likely be reached out to shortly. This was September, I call both Above Lending and Beyond once every 2-3 weeks for an update, and I keep getting the answer of “soon” and now in mid-December 2023, I’m still getting told “soon”. Meanwhile I was legally served with a lawsuit from one of my credit card companies and likely on the verge of another one. I’m living in constant anxiety that another server will be showing up at my door with more legal papers and another lawsuit. By the way, they never tell you about this until it actually happens. So let me tell you, avoid this program unless you actually like being served and having a lawsuit against you from a major corporation. I’ve spent several nights with tears in my eyes because of what this program has done to me financially, and how I can’t move to a new house which was something I had been planning and preparing for for years. I’m 33 years old and have never been a day late on a payment for anything let along straight up skipping payments. I’ve called both Beyond and Above Lending basically begging and pleading to get me that Graduation Loan, and no progress has been made. I’m under the belief at this point that it won’t ever happen, and that “slight” and “temporary” hit to my credit score is more like “crippling” and “long term”. Signing up for Beyond’s program may be the worst mistake I have made in my life, and unless you are in dire straights with your debt, please, please do not make the same mistake as me. I’m at the point where if I don’t have that Graduation loan by the end of January 2024, I’m pulling myself out.

3 months ago

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Reply from Beyond Finance

Christopher,

When signing up for our program, we never promise our clients that they will qualify for the Above Lending Graduation Loan in 6 months. We use 6 months as a marker to determine loan eligibility. This loan is offered on a case by case basis. We understand how frustrating it would be to be hoping for the loan and not understand why an offer hasn't arrived yet. What's challenging is that Above Lending is a separate company with its own criteria, so while we can provide info about pre-qualification for the loan, we don't have access to further details about the application than what we've already shared.

We’re sorry to hear that your creditor has chosen to file a lawsuit. While not every creditor takes this approach, some creditors are unfortunately more aggressive in their debt collection methods than others. The good news is we will still support you on your journey to financial freedom.

As stated during the enrollment process and in the enrollment agreement, participating in our debt consolidation program will likely adversely impact your credit for a time. While you may temporarily take one step back in terms of your creditworthiness, you’ll take five steps forward with debt solutions. Once your debt is consolidated, the effect on your credit can actually be very positive. Practicing positive credit behavior can help you build your creditworthiness back up over time.

- Client Success Team

Dec. 15th, 2023