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.

Top Ranked Companies

#1 Freedom Debt Relief

9.3 Overall Score

4.7

star star star star star_half

(16,612)

View Profile Visit Site View Profile

#2 Americor

8.8 Overall Score

4.5

star star star star star_half

(4,928)

1-(844) 939-3291 Visit Site 1-(844) 939-3291

#3 Consolidated Credit

8.3 Overall Score

4.8

star star star star star

(1,247)

View Profile Visit Site View Profile

thumb_up

The Good

Simple Process
Accreditations
Services

Simple 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.

Accreditations

Beyond Finance is an accredited member of the American Fair Credit Council (AFCC), which is one of the primary organizations with which a debt relief company can become accredited. The AFCC sets industry standards and regulates ethical business practices among debt relief companies, so it’s great when a company is a member and is thus accountable to those standards.

We don’t find any evidence that Beyond Finance is accredited with other organizations, but the AFCC is a great start.

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.

thumb_down

The Bad

Cost Not Published
Minimum Debt Requirement Not Published
Negative Reviews

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.

Negative Reviews

While Beyond Finance doesn’t have very many reviews on Best Company (only eight as of August 2021), most of these reviews are negative. This isn’t a good sign, as many of the reviewers say they would not recommend the company or its services and that they didn’t have great experiences with Beyond Finance.

Unsatisfied customers talk about the company’s terrible communication and poor customer service. Perhaps these things have changed since the reviewers left their comments, but some comments are fairly recent.

One happy customer, however, did speak to the company’s success in helping reduce his debt from $80,000 down to $30,000. This is a big win and hopefully, the company will start to see more reviews like this moving forward.

gavel

The Bottom Line

Due to the negative customer reviews and general lack of reviews, we have a hard time fully recommending Beyond Finance’s debt relief services to you.

While reviews aren’t the only determining factor in whether a company is ethical and professional or not, they do help potential clients know what they are getting into and help companies maintain a positive reputation. Thus, before we would feel confident telling you to use Beyond Finance, we would like to see more company reviews and the company's response to those reviews.

Beyond Finance is an accredited member of the AFCC, which is something we always like to see in a company. It would be worth scheduling a consultation with Beyond Finance and seeing if you like what you hear.

View Best Debt Relief Companies

Was this content helpful?

thumb_up Yes thumb_down No

border_color Write a Review

User Reviews

Star Rating

4.3

star star star star star_half

392 Reviews

Review Breakdown

5 grade

76%

4 grade

3 grade

2 grade

1 grade

16%

Sentiment Criteria

Value

star star star star_border star_border

Quality

star star star star_border star_border

Service

star star star star_border star_border

Trustworthiness

star star star star_border star_border

cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down

star star star star star

JUANITA Epps Bryant Boardman, OR

Ms. Merriwether L was very helpful and explained everything to me. At first I was very skeptical about signing up for debt relief. As she continued to explain the program I became comfortable with the process. I am hoping your company can help me get out of debt quickly. There are so many scammers around. Thank you for wanting to help me.

5 days ago

Reply from Beyond Finance

Juanita- Congratulations on taking the first step towards financial freedom! We’re so pleased you’ve already had a positive experience with us, and we’ll continue to do everything we can to: keep you updated on progress, work with your creditors to get each of your enrolled debts resolved and help you to graduate your program. Thanks for choosing Beyond Finance!

Dec. 1st, 2023

star star star star star

john flanagan Fayetteville, NC

Jeff was amazing went over in detail everything the program included, love how he was very sincere and genuine on what the plan entailed and next steps, set up my account and dashboard

6 days ago

Reply from Beyond Finance

Hi John- Thanks for your lovely review! We’re so happy you had such a great experience with Jeff. 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. 28th, 2023

star star star star star

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.

1 month ago

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

star star_border star_border star_border star_border

Martha Merten Round Rock, TX

If I could give no stars I would. I signed up for Beyond Finance about 3 months ago. Two payments went through for 1 settlement that they got for me. For two months I was paying that. For this third month they took the biweekly payment but I canceled one week later and my third month payment did not go thru yet. Just so you know I canceled because I found out I can contact my creditors and work this out with them and not pay high fees. So Beyond Finance took the money left in my account that was $178.00. They did not refund it and I don't know why because the 3rd month payment did not go through yet so what are they charging me for. Do not go through with this company at all. They told me when I signed up that if I cancel I would receive a refund of what is left in my account. They lie!! Stay away and don't bother with this company at all.

2 weeks ago

Reply from Beyond Finance

Martha- When you attempt to negotiate directly with creditors, generally you receive less savings and a lot less flexibility on repayment. In most cases, creditors want either a lump sum payment or want it paid in a much shorter time frame (3-6 months). Balancing multiple debts is incredibly difficult with these types of terms. One of the most significant pieces of savings you’re receiving through your program avoiding the continually accruing interest associated with paying minimum payments to your creditors. If you can’t pay off your balances right away, you could be stuck paying thousands upon thousands more in interest and fees for decades, while our clients escape their debt in a matter of years. If you decide to terminate your program early you are entitled to a refund of your balance minus any of our earned settlement fees. These fees are based on our team successfully securing you a reduced balance on the account and we work hard to secure you the best savings possible. If you decide to terminate your program early after already accepting a settlement offer, you are entitled to that offer and are still subject to that settlement fee. —Client Success Team at Beyond Finance

Nov. 20th, 2023

star star star star star

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!

4 months ago

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

star star star star star

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!

5 months ago

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

star star star star star

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.

5 months ago

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

star star star star star

Lynne Holt Tullahoma, TN

I’ve been in the program less than a week and already received tons of helpful information to get me back in control of my life. Thank you !!

3 weeks ago

Reply from Beyond Finance

Hi Lynne- Thank you for the kind words! We are thrilled to hear that you are joining us along your journey towards a debt free life. Thank you for choosing Beyond Finance. —Client Success Team at Beyond Finance

Nov. 16th, 2023

star star star star star

Douglas Syse Sun Prairie, WI

Atif, was a great help throughout this whole process, I really appreciate all the help and his knowledge he shared with me on understanding the process. Thank you, Doug

1 month ago

Reply from Beyond Finance

Hi Douglas- Thanks for your lovely review! We’re so happy you had such a great experience with Atif. 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. 2nd, 2023

star star star star star

Lynne Renna Kannapolis, NC

I was impressed with the caring and professionalism of everyone I interacted with to determine what would be our best option. I am satisfied with our decision.

1 month ago

Reply from Beyond Finance

Hi Lynne- Thank you for the positive feedback! We are thrilled to hear about your positive experience with our team. We put a lot of work into helping our clients move toward a brighter financial future with care and kindness. Thanks for choosing Beyond Finance! —Client Success Team at Beyond Finance

Oct. 24th, 2023

star star star star star

MICHAEL BURBRINK Wilmington, NC

I am working with Marcos and he is very professional and seems like he cares for his customers. He was outstanding and good sense of Humor. I am so happy that I signed on to get my debt issues corrected

2 months ago

Reply from Beyond Finance

Hey Michael- Thanks for your lovely review! We’re so happy you had such a great experience with Marcos. 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

Sep. 22nd, 2023

star star star star star

Barbara Ross Gary, IN

Everyone that I have talked to has been concerned about me, pleasant and most importantly very professional. Explaining thoroughly everything that is needed by me and everything that the company will do for me. I greatly appreciate it.

3 months ago

Reply from Beyond Finance

Hi Barbara! We’re so happy to hear about your positive experience with our team! We do our very best to ensure our clients are well-informed, cared for, and supported through the entire program, so we’ll make sure to pass your kind words on to them! We look forward to helping you resolve all of your enrolled debt. —Client Success Team at Beyond Finance

Aug. 25th, 2023

star star star star star

Christina May Emerson, AR

Customer service is excellent! The agent I’m assigned to is a great help (Brittney)as I’m going through the first step on this journey. Brittney answered my questions and explained everything step by step for me. I choice this company because of the outstanding customer service of Brittney and will be there to reach out to.

3 months ago

Reply from Beyond Finance

Hi Christina, We’re so happy to hear about your positive experience with Brittney! We do our very best to ensure our clients are well-informed, cared for, and supported through the entire program, so we’ll make sure to pass your kind words on to them! We look forward to helping you resolve all of your enrolled debt. —Client Success Team at Beyond Finance

Aug. 22nd, 2023

star star star star star

David Hundley Caldwell, TX

Cedric T was very helpful and considerate with my unique situation. He was able to provide me with a very affordable option to help me get my life back on track. It's not always easy discussing your financial situation with a complete stranger, however, he went above board to reassure me there was a solution. Thanks for your help!!

3 months ago

Reply from Beyond Finance

Hi David, Thanks for your lovely review! We’re so happy you had such a great experience with Cedric. 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

Aug. 17th, 2023

star star star star star

Julie Glodowski Plover, WI

I was very pleased with the service and compassion I received when I reached out to Beyond. Wendy and Dan were so helpful. I was expecting to be lectured and shamed. That was not the case at all. Thank you for helping me to clear up some debt and feel life does have a purpose Other than depression.

3 months ago

Reply from Beyond Finance

Hey Julie! We’re so happy to hear about your positive experience with Dan and Wendy! We do our very best to ensure our clients are well-informed, cared for, and supported through the entire program, so we’ll make sure to pass your kind words on to them! We look forward to helping you resolve all of your enrolled debt. —Client Success Team at Beyond Finance

Aug. 11th, 2023

star star star star star

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.

4 months ago

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

star star star star star

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.

8 months ago

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

star star_border star_border star_border star_border

Adam Nolan Schenectady, NY

I am currently using them. They are not great find someone else. These reviews seem to be canned to start with. I had a starting amount for a 5 year payoff with a 6 month dip in my credit then credit would go up. Nope, first I had to pay 500 more a month now they are on another deal at 500 a month. how can I go from 1100 to 2100 which is more than I was paying. Sure without interest but still this is to make life affordable and it has not been that way. it is beyond sad and my anxiety over money is through the roof. I will end up now having to borrow from my retirement just to continue to get them to make this affordable. Also why if they are charging 25% fee can they not take it at the backend and why cant at 25% they lend out the money to pay off the creditors and just chage my my 5 year amount? I was schmmozed and lied too and will probably find a co debt company to take over what is remaining and get them taken care of outside of them so I Can get back on track. That or start paying my loans off again the old fasioned way.

2 months ago

Reply from Beyond Finance

Adam- First of all, all of our reviews are based on the positive experiences that our clients have had with their programs. From day one of you signing up for your program we are open and honest about our process, timeline, and fees. Our average client saves up to 25% on their debt through their program. This is not including compounding interest and additional fees you would still be paying. Some people could continue to pay for decades while we estimate your timeline to 2-4 years when signing up for your program. Your payment structure is ultimately decided by you and what you are able to pay on a monthly basis. Sometimes we might recommend an increase in your deposit amount to secure a certain settlement, this is not required. If you decide to add additional funds you are speeding up your program but it is not required to be successful. Our team is here to help you decide what deposit schedule works right for you going forward. We understand that your financial situation can get stressful but our team is here to help you. We have escalated your case to a member of our team and we will be reaching out shortly. -Client Success Team at Beyond Finance

Oct. 5th, 2023

star star_border star_border star_border star_border

Mohamed Khalifa

IT'S A SCAM!!!! BE CAREFUL EVERYONE. They charge monthly fee which is nothing of course and to get you lowered into the program without telling you that they charge 25% off your enrollment settlement, so let's say you owe $10,000 in credit cards and they can settle with the creditors for $6,000, then they will charge you 25% off the original loan you owe which is $10,000 without telling you that upfront just to get you in. They will ask you not to pay the creditors which is terrible idea that will screw you big time and it will take way too long to recover and then these accounts will marked on your record as CHARGED OFF ACCOUNTS or COLLECTIONS which is terrible because that will be on your record for 10 years and none can remove it. So if you're trying to buy a car or house that might be reason for terrible high interest rate or getting denied. DON'T USE THEM THEY ARE A SCAM!!!!!

2 months ago

Reply from Beyond Finance

Mohamed- We Refute any claims that we are scammers. We are an AADR accredited business that has helped over 300,000 consumers on their path to financial freedom and resolved over $3 billion in unsecured debt. Upon enrollment, we are upfront with all of our clients about our process, timeline and fees. It’s worth noting that even with our fees, our program is a money-saving solution that is considerably cheaper and faster than remaining in a continuing cycle of making minimum payments. We’re sorry to hear that there was some confusion around your Dedicated Account. Your Dedicated Account is managed by a third-party bank and does incur a monthly fee in addition to the initial account activation fee which cannot be refunded. One of the benefits of our program is that once a settlement is reached, you make payments towards that settlement instead of one lump sum, allowing you to pay off your debt without accruing additional interest while simultaneously building up more money in your Dedicated Account to negotiate settlements on your other accounts. To maintain our high standards for client service, we will be pulling your calls with our team for quality assurance. -Client Success Team at Beyond Finance

Oct. 3rd, 2023

star star_border star_border star_border star_border

Becky Rodriguez Apopka, FL

Absolutely terrible company to help you! Representatives are extremely pleasant. However, the procedures and fees are a complete scam. One of the debt amount I enrolled was just sent to a collection agency when Beyond Finance settled with them. I was not notified that the settlement was made with a collection agency so I agreed believing that the debt was settled at 50% off with the actual creditor. Once I learned of this, I withdrew from the program and decided that I will settle with my creditors on my own. After paying Beyond Finance over $700.00, Beyond Finance paid that collection agency $270.00 towards that settlement and they kept the rest of my money deposit towards their "Settlement Fee". Over 200% Settlement Fee? Really? Do not consider this company to help you because they will rob you!

2 months ago

Reply from Beyond Finance

Becky- We refute any claims that we are scammers. We are an AADR accredited business that has helped over 300,000 consumers on their path to financial freedom and resolved over $3 billion in unsecured debt. We pride ourselves on helping people resolve debt while following debt relief industry guidelines closely by not charging fees upfront, running a transparent business and advocating for consumer rights. We never hide our fee structure from our clients. We charge a 25% success based fee that we only collect once we have secured you a settlement, you have approved that settlement, and made a payment towards that settlement. We are sorry to hear that you no longer will be continuing your program. We wish you the best of luck on your journey to financial freedom. -Client Success Team at Beyond Finance

Sep. 26th, 2023

star star star star star

Mrs jalloh

Friendly and professional staff, very helpful and informative. I tried so hard to get out of debt but interest rates kept easing into my payments so I’m looking forward to this much needed helping hand from beyond

3 months ago

Reply from Beyond Finance

Hi Mrs Jalloh! We’re so happy to hear about your positive experience with our team! We do our very best to ensure our clients are well-informed, cared for, and supported through the entire program, so we’ll make sure to pass your kind words on to them! We look forward to helping you resolve all of your enrolled debt. —Client Success Team at Beyond Finance

Aug. 8th, 2023

star star star star star

Rhianfach64 New Orleans, LA

I had a very positive experience, speaking with Eric

20 hours ago

star star star star star

Clara Burrell Pearl, MS

I’m so satisfied with the service Beyond finance provided..They were able to guide me through the process in detail. Their customer service is the best I have encountered.. They have made my life soo much better since I signed up with them . I would recommend them to everyone who’s struggling with debt.

5 months ago Edited June 20, 2023

Reply from Beyond Finance

Hi Clara, Thanks for the positive feedback! We know that being in debt can be stressful, so we’re glad to hear that our program is making you feel less stressed about your financial future. During your program, keep track of your progress by viewing your program online [https://www.beyondfinance.com/] or by contacting us with questions at [email protected] or 800-282-7186. We’re here to help. - Client Success Team at Beyond Finance

Jun. 20th, 2023

star star star star star

Cherry Wade Biloxi, MS

First of all, courteous, understanding, and respectful. Nobody starts out wanting to be in debt at any age. Times are hard for everybody now and it’s comforting to know there is a way out of this predicament. Everything was explained thoroughly and all my questions answered. In addition to thanking Beyond for this opportunity I would like to give a special thanks to Elizabeth and Fetima.

6 months ago

Reply from Beyond Finance

Hey Cherry— Your good feedback means so much to us. It's true, it's very stressful to find yourself in debt, so we're glad you're feeling comfortable with your program and how it can help you start to work towards a better financial future! Now that you’ve enrolled, we can begin facilitating resolutions with your creditors so that you can live a better, debt-free life! We’re glad to be on this journey with you. - Client Success Team at Beyond Finance

May. 30th, 2023

star star star star star

Maryjane Littleton, CO

I’m new to the program, but onboarding was super easy, and more importantly, welcoming and compassionate! Other companies had turned us down because we were in too much trouble! We would not have had our debt paid down for 21 years by making minimum payments. Now we’re saving $1000/mo, plus we’ll be paid off in 48 months ! I can breathe again!!

6 months ago

Reply from Beyond Finance

Maryjane— Congratulations on taking the first step towards financial freedom! We’re so pleased you’ve already had a positive experience with us and feeling that relief. We’ll continue to do everything we can to keep you updated on progress, work with your creditors to get each of your enrolled debts resolved, and help you to graduate your program. We're so honored to be on this journey with you! Client Success Team at Beyond Finance

May. 24th, 2023

star star star star star

john zalesky Denver, CO

Well first it started with my contact with jodie and she was absolutely amazing She took care of my needs and answered every question. I had when dwonder if methodically through the program the agreements and everything else involving. This? Transaction and she was just absolutely fantastic to deal with. I you should get more people like her and then I talked with Pam afterwards and she was absolutely amazing. Also they took care of my needs. We're responsive to my needs and very professional about how they handle it. I thank you guys for having these. People on your team job well done

7 months ago

Reply from Beyond Finance

Hi John— 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 with Jodie and Pam! We’ll be sure to pass on your wonderful words to them. And of course, we look forward to continuing to help you reach your goal of financial freedom! —Client Success Team at Beyond Finance

May. 2nd, 2023

star star star star star

guaciara vitoria Starling Auburndale, FL

You know.... problems make us blind and we don't want talk or accept our mistake and to admit, " It was my fault! " @Andre was a Angel... smooth, friendly, understanding, and find for me what is the best for US... !!! GOD BLESSING ANDRE!! I really appreciate you talk to me not a client, but like a family needs... this make a big difference. Thank you.

7 months ago

Reply from Beyond Finance

Hi Guaciara— 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 Andre. We look forward to continuing to help you reach your goal of financial freedom! —Client Success Team at Beyond Finance

Apr. 26th, 2023

star star star star star

Helen k Scottsboro, AL

Heather s is great asset to your company very knowledge very helpful made feel like I know heather forever such great business woman heather explain all answer my questions and my son first time I slept good in long time worrying about bills so great explain all heather should be knowledge on daily basic from your company I felt so comfortable when ask heatherquestions and she explain question wow she is great at her job I have never experienced a knowledge person like heather walk thru everything

7 months ago

Reply from Beyond Finance

Hi Helen— We’re thrilled that you had such a great experience with Heather! Client support is top of mind for us, so knowing you felt so comfortable and cared for during your call is terrific to hear. We’ll be sure to pass your kind words on to her and we’ll continue to be here for you if you ever need any more support! —Client Success Team at Beyond Finance

Apr. 26th, 2023

star star star star star

L.C. Bradford AZ

I just enlisted the help of Beyond Finance. After speaking with their Representative, Joseph, I felt like a huge weight was lifted off of me! Joseph spent over an hour + listening to my situation and concerns and guided me through the process. I declared bankruptcy once several years ago and did not want to do it again. I can now pay my creditors without having to pay the exorbitant interest charges and reduce the amount of time it will take to be completely out of debt! Now I can breathe! What a great service!

7 months ago

Reply from Beyond Finance

Hi L.C.— 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 with Joseph. We’ll be sure to pass on your wonderful words to him. We look forward to continuing to help you reach your goal of financial freedom! —Client Success Team at Beyond Finance

Apr. 26th, 2023

star star star star star

Carol Bitting Asheville, NC

Great experience great support very happy I made the call! On my way to be debt free!!!

4 weeks ago

Reply from Beyond Finance

Hi Carol- Thank you for the kind words! We are happy to hear about your positive experience with our team. Our team is excited to see the rest of your progress on your journey towards a better financial future. —Client Success Team at Beyond Finance

Nov. 10th, 2023

star star star star star

Ericka

It was an awesome experience, Krista was amazing and pleasant she made feel comfortable with the decision I made.

1 month ago

Reply from Beyond Finance

Hi Ericka- Thanks for your lovely review! We’re so happy you had such a great experience with Krista. 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

Oct. 20th, 2023

star star_border star_border star_border star_border

Frank P Pittsfield, MA

They settle all my accounts but two. Their reason have changed as to why they can’t settle the last two. I have to call for information about the last two accounts. Because Beyond can’t get anywhere with the CC company. Sure collected all your fees along the way though. Sure they will reply with some lies about what happened. Like I said before run from this company. Sure most of the 5 star reviews were lies anyway. They rather close the account up and take there money and run then help me.

2 months ago

Reply from Beyond Finance

Frank- First and foremost, we never lie to any of our clients. We are an AFCC accredited business that has helped over 300,000 consumers on their path to financial freedom and resolved over $3 billion in unsecured debt. We pride ourselves on helping people resolve debt while following debt relief industry guidelines closely by not charging fees upfront, running a transparent business and advocating for consumer rights. Our fees are performance-based and contingent on our success in settling your debts with your creditors on your behalf. We do not earn any fees until you and a creditor agree to a settlement and at least one payment toward that settlement is made. In the rare instance we cannot settle an account does not mean it was something we did. Creditors can be tricky in this sense. Our team has been attempting to reach out and give you the support you need. We are eager to hear back. We will be attempting to have a member of our team reach out directly once again. In the meantime, you can contact us at 800-282-7186. -Client Success Team at Beyond Finance

Sep. 14th, 2023

star star_border star_border star_border star_border

Tim Kurkierewicz

Company is a predator the sales reps will tell you all you want to hear, they prey in your being desperate. I have fulfilled my 48 month term and was supposed to save close to $4000 I am on payment 50 now of the 48 yes you read that correctly, and they say I still owe for settlement fees. I was told by my sales rep that I would pay a total of 9600 on around 13k of debt now that I have these bonus payments that I am apparently obligated to make, because of some fine print, and when all is done I may save $900. I would never have done this program to save only 900 and that’s if they stop collecting. This is a predatory lender and they have unethical business practices

3 months ago Edited September 5, 2023

Reply from Beyond Finance

Timothy- First and foremost, we are not a lender. We refute any claims that we are scammers. We are an AFCC accredited business that has helped over 300,000 consumers on their path to financial freedom and resolved over $2 billion in unsecured debt. We pride ourselves on helping people resolve debt while following debt relief industry guidelines closely by not charging fees upfront, running a transparent business and advocating for consumer rights. You can see thousands of client testimonials across the BBB, Trustpilot, and Google. Our goal is to get our clients out of debt as quickly as possible. Unfortunately, not all creditors approach settlements the same way and for this reason, program timeline estimates cannot be guaranteed. We want our clients to be well informed from the day they enroll in our program. That is why we share our fee with you and we do not hide it. You should know that even with our fee we have a “No Worse Off” policy that states that by the time a client graduates, we’ll ensure that they didn’t pay more than they owed on their collective enrolled debts, including through our fees. It looks like we have saved you $2417 after fees. Your situation has been escalated and is in review by our team. A senior member of our Client Success team will be reaching out to you very soon. -Client Success Team at Beyond Finance

Aug. 29th, 2023

star star_border star_border star_border star_border

tara belzer Charlotte, NC

Beyond finance gave me a settlement offer and will not abide by it. I’m well versed now in the ways of screwing people because of how well the last 4 years went with beyond finance. I accepted an offer on feb 4th 2023 to settle on my credit card. I know there are fees involved at the end of the settlement. I was very specific in asking when will I be done paying everything off….the settlement and the fees. I was told July. I asked a couple of times to make sure we were in the same page before agreeing to this settlement. I said my last payment fees and all…I’m done ?? in July and was told multiple times yes. So guess what? August a payment comes out. I called 5 times - scheduled a call - and no one called…was told that someone called me earlier- lied. I live by my phone. And I finally received a call by someone who told me that another manager listened to my call and said basically this conversation didn’t happen this way and I owe all these fees. I said I wouldn’t have accepted this offer knowing I was going to be paying into 2024 and I was super specific about my questions. I asked for a copy of my voice recording and was told no. They can say anything they want and even though you know the truth it doesn’t matter. They got me to commit to a settlement offer under false pretenses. Again, I was good with the fees and understood the shady process, but I was told something and I agreed to something that was a lie and no one cares. Response: I want everyone to notice my concern was not talked about. I know about the fees- I’ve said it multiple times…my concern was the lie to get me to commit to a settlement. I was told an end date and it was wrong. They are not acknowledging the phone call and my questions and my agreeing to this agreement. It was a lie. False. The response says it all. I’ve called back and of course there is no one to talk to. The gave me the main line. Please read this. Read the response and make better choices. What they saved me was nothing - I could have done it my self but I made a bad decision. You don’t have to. On google and Trustpilot you can see the response. Ridiculous

3 months ago

Reply from Beyond Finance

Tara- As addressed in our responses on Trustpilot and Google, we will continue to support you along your process. Your case has already been escalated to a senior member of our team. We are also pulling all of your calls for quality assurance. We take your claims seriously and are here to support you along the way to financial freedom. -Client Success Team at Beyond Finance

Aug. 24th, 2023

star star star star star

Gail Dallas, TX

My agent, Katrinka M (Accredited Debt Relief), was extremely helpful, knowledgeable, personable, and efficient. She clearly described the program and its benefits, and she provided clear answers to my questions regarding every step of establishing my debt relief account with Beyond Finance.

6 months ago

Reply from Beyond Finance

Gail— Congratulations on taking the first step towards financial freedom! We’re so pleased you’ve already had a positive experience with Katrinka, and we’ll continue to do everything we can to keep you updated on progress, work with your creditors to get each of your enrolled debts resolved and help you to graduate your program. We're glad to be on this journey with you! - Client Success Team at Beyond Finance

May. 30th, 2023

star star star star star

DrCheryl Dusty Shreveport, LA

Agent develops a great raport with client. He explains things in understandable terms and if you don't understand, he very patiently explains again. He wants you to understand completely. He is empathetic to the client situation, lets you know that he is on your side and will do whatever he is able to make the situation work for you.

6 months ago

Reply from Beyond Finance

Dr. Cheryl— 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 look forward to continuing to help you reach your goal of financial freedom! —Client Success Team at Beyond Finance

May. 24th, 2023

star star star star star

malita walker

When I reached out, I was taken care of immediately. I have tried other companies with little success but Beyond Finance listened to my situation, devised a plan for me and walked me through every step. I am very excited to be heading in the right direction to financial freedom. Very satisfied with their service!

6 months ago

Reply from Beyond Finance

Malita— Congratulations on taking the first step towards financial freedom! We’re so pleased you’ve already had a positive experience with us, and we’ll continue to do everything we can to keep you updated on progress, work with your creditors to get each of your enrolled debts resolved, and help you to graduate your program. Thanks for choosing Beyond Finance! - Client Success Team

May. 16th, 2023

star star star star star

William Kansas City, KS

Overall great experience. Eric explained everything and it was a very easy and smooth transition. I was very hesitant at first and not sure if I wanted to go this route with my debt resolution. Highly recommend if you need to go this route for financial stability.

6 months ago

Reply from Beyond Finance

Hey William— Your good feedback means so much to us. Our goal is always to help clients to feel comfortable with their program and how it works before we begin. Now that you’ve enrolled, we can start facilitating resolutions with your creditors so that you can live a better, debt-free life! We’re happy to be on this journey with you. - Client Success Team at Beyond Finance

May. 16th, 2023

star star star star star

Randy jones Marrero, LA

Going over the program step by step explaining and asking questions making sure I understood each part with patient which gave me relief of not being taken advantage of or hacked is how I felt in the beginning as time went on I was excited and ready to sign up big thanks to Allen S and Accredited Debt Relief team

8 months ago

Reply from Beyond Finance

Hi Randy— Your good feedback means so much to us. Our goal is always to help clients to feel comfortable with their program and how it works before we begin. Now that you’ve enrolled, we can start facilitating resolutions with your creditors so that you can live a better, debt-free life! We’re happy to be on this journey with you. - Client Success Team

Apr. 5th, 2023

star star star star star

Peg

Thomas was extremely knowledgeable, kind, and understanding. He took his time with me and explained everything in great detail. At the end of our conversation, I felt like he was my friend, and he would truly take care of me.

8 months ago

Reply from Beyond Finance

Hi Peg! We’re so happy to hear about your positive experience with Thomas, our representative! We do our very best to ensure our clients are well-informed, cared for, and supported throughout the entire program, so we’ll make sure to pass your kind words on to them! We look forward to helping you resolve all of your enrolled debt. —Client Success Team at Beyond Finance

Apr. 5th, 2023

star star star star star

Pedro Rodriguez Kissimmee, FL

the opportunity to help me out!! and they started working rightaway!!!

3 weeks ago

Reply from Beyond Finance

Hi Pedro- Thank you for the kind words! We are thrilled to hear about that you are having a positive experience so early into your program. Thank you for choosing Beyond Finance. —Client Success Team at Beyond Finance

Nov. 15th, 2023

star star star star star

Jim Woodbury Belmont, MA

Nubia was such a pleasure to talk with. She was trustworthy, honest, and professional regarding uncomfortable topics like credit cards and money. I am usually the kind of person that suspects business scams and looks deeply into any business offer that crosses my way. She explained things so clearly and let me know how things worked both for me and for her company that it was one of the first times I didn't have to run a check on the business to see if everything was legitimate. It was one of the best financial moves I made. No more stress because of high-interest rates. What a relief.

9 months ago

Reply from Beyond Finance

Jim— Congratulations on taking the first step towards financial freedom! We’re so pleased you’ve already had a positive experience with us, and we’ll continue to do everything we can to: keep you updated on progress, work with your creditors to get each of your enrolled debts resolved and help you to graduate your program. Thanks for choosing Beyond Finance! - Client Success Team

Feb. 17th, 2023

star star star star star

Art4heart Palmyra, PA

Beyond Finance is the solution that I needed. My credit card debt had gotten out of control. I had been making my payments, but paying only the minimums because of income changes during the pandemic. The recent changes of interest rates mad things worse. The counselor that I spoke with was patient and articulate. I had lost of questions. Each one was answered in a way that made things clear to me. Now I can look forward to getting my finances back on tract. The solution will take some time, but will be well worth it.

10 months ago

Reply from Beyond Finance

Thanks for leaving us a review! We’re so glad that you chose to enroll in the program, and we can’t wait to help you get out of debt. We’re dedicated to keeping you up-to-date with your progress throughout your journey! You can track your debt relief progress by viewing your program online [https://www.beyondfinance.com/], or by contacting us at [email protected] or 800-282-7186. Thanks for choosing Beyond Finance! - Client Success Team

Feb. 3rd, 2023

star star star star star

C Gann San Antonio, TX

First I was somewhat very overwhelmed and embarrassed of my situation. I received a call from Ariel M, Consolidation Specialist, who made me feel very comfortable in discussing my situation. Ariel, was very professional and thorough going over all documentation. Everyone I have had contact with been very nice and professional. Thank you for making me feel comfortable during the process.

10 months ago

Reply from Beyond Finance

Hello C Gann— Your good feedback means so much to us. Our goal is always to help clients to feel comfortable with their program and how it works before we begin. Now that you’ve enrolled, we can start facilitating resolutions with your creditors so that you can live a better, debt-free life! We’re happy to be on this journey with you. Thanks for choosing Beyond Finance. - Client Success Team

Feb. 3rd, 2023

star star star star star

Rose Mary O El Paso, TX

Beyond Finance is legitimate and a wonderful option for debt relief. I just finished the process of freeing myself from debt of $45k. It cost me just under $700 a month, for 45 months, replacing the $2500 I was faithfully paying each month. I took the credit score ding in exchange for being able to breathe and live again. I followed every step they advised to the letter. Any complainers may not have followed all their advising or did not pay on time or regularly, or just don'tunderstand what is being done on their behalf. I was also chosen to be in a commercial ad for the company and gladly participated without pay because this program REALLY changed my quality of life. Free, at last! Free, at last! Thank you, Beyond Finance!

1 year ago

Reply from Beyond Finance

Hi Rose, Thanks for sharing your great experience with Beyond Finance! It’s our absolute favorite thing to see our team’s efforts pay off in real-time. But your graduation is not only a testament to our program but your steadfast dedication to making your monthly deposits! You earned this! Client Success Team at Beyond Finance

Dec. 1st, 2022

star star star star star

Deanna Hoffmeyer Farmington, MI

I heard an ad on the radio and for the first time in my life called the number right away. I am so happy that I did. Rich took the time immediately to walk through my financial situation and what he could offer me. That night I slept better than I have in months. I truly feel that Rich and Beyond Finance genuinely care about their clients. I would recommend this to anyone going through financial hardship with creditors or personal loans. He explained that the situation I was in wasn’t something that I should feel guilty about and that this happens to millions of Americans yearly. What you’re signing up for with credit cards and loans doesn’t include what will happen if your only able to make the minimum payment each month. The process with Beyond Finance is very easy to understand and their app allows you to track the daily changes to your plan. This includes the lower amount the credit cards will settle to have your balance completely paid off!! I can’t wait to have all of my debt settled and I believe that Rich and Beyond Finance will be with me the entire way!

1 year ago

Reply from Beyond Finance

Deanna— Congratulations on taking the first step towards financial freedom! We’re so pleased you’ve already had a positive experience with us, and we’ll continue to do everything we can to: keep you updated on progress, work with your creditors to get each of your enrolled debts resolved and help you to graduate your program. Thanks for choosing Beyond Finance! - Client Success Team

Sep. 15th, 2022

star star star star star

Lee Lunday Henderson, NV

Well, it's much to early to give a qualified rating. However, so far, I'm please with this process and look forward to have a little change in my pocket. The last company I was working with was getting $260 a month to settle 5 accounts for me. They did absolutely nothing to resolve or reduce my debts. They merely took $4,000.00 from my bank account over a period of roughly 16-17 months. Beyond is taking just under $270.00 to work with 12 creditors of mine. I have one major creditor to deal with - my bank credit card, which I am able to pay off each month. With Beyond's help, I now have extra cash to enjoy life with once again. So, I'm very pleased with what Beyond has made possible for me.

1 year ago

Reply from Beyond Finance

Lee — Congratulations on taking the first step towards financial freedom! We’re so pleased you’ve already had a positive experience with us, and we’ll continue to do everything we can to: keep you updated on progress, work with your creditors to get each of your enrolled debts resolved and help you to graduate your program. Thanks for choosing Beyond Finance! - Client Success Team

Jun. 29th, 2022

star star star star star

Colette Merrill Carthage, MO

I am happy to have turned to Beyond Finance. Hesitantly, I needed to turn to this drastic solution because I found myself quickly in this impossible situation. When I got my last unsecured loan, I found myself in deep financial trouble. I did not want to claim bankruptcy so I decided to listen to Beyond Finance. Breauna was the one who called me when I signed up for information about the program and I am glad I did find out information. She was so helpful and I had to keep interrupting her to have something explained. She took her time with me and was so patient. The initial call ended up being three hours, but I didn't mind at all because I came away confident and knowing for sure that this was the right thing to have done. The experience was easy and a hundred-pound weight had been lifted off my shoulders. She explained everything until I was satisfied that I understood exactly what was going to be done for me. She was careful to get every piece of information correct that I was giving her so there was no stone unturned as to how I found myself in this position. They understand that things happen. She encourages me to give as much detail as possible and if I thought of anything out while we were talking to stop her and tell her. I do feel good that I took the chance and listened to what this program had to offer and what it can and will do for me. My advice for you if you find yourself in a financial strait you can't handle because of the unexpected ahead; and you know the consequences of bankruptcy, this is the far better choice. It will get you out of debt with only one payment that covers everything! Nothing is hidden, it is plainly transparent.

1 year ago

Reply from Beyond Finance

Hi Colette, 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 resolve debt without bankruptcy. Thanks for choosing Beyond Finance. - Client Success Team at Beyond Finance

Jun. 3rd, 2022

star star star star star

Chris Marbella, MA

While paying minimum balance, my credit rating went down subtantially and upon a costly divorce involving real estate division, I needed to recover financially avoiding tapping into my 401(k) as in a high tax bracket. Shopping around for loans, I was directed to Beyond Finance and did not hear before about that Debt Resolution program. I used it for 3 credits over a period of 3 years, graduated last month and joined again for two remaining credit card accounts as I was quite pleased with the program. One's situation needs to warrant that form of help, yet I don't have any regrets and where my FICO rating went from 845 to about 550 during that phase, it could recover within a few months once the original creditors are paid. I had very helpful and patient representatives and I feel that Beyond Finance can be a lifesaver if one can qualify.

1 year ago

Reply from Beyond Finance

Hi Chris, Thanks for the positive feedback, and congratulations on moving beyond debt! Our goal is to get our clients back on track financially, and we’re so glad to hear our program is helping you accomplish that! Thanks again, Client Success Team at Beyond Finance

Mar. 4th, 2022

star star star star star

Richard Koller

I liked how easy the process was and how understanding they were when helping me out. Never made me feel bad.

2 months ago

Reply from Beyond Finance

Hey Richard- We value your positive review greatly! Your generous feedback means a lot to us, and we want to express our gratitude for taking the time to share your thoughts. Your support fuels our commitment to delivering the best experience possible. -Client Success Team at Beyond Finance

Sep. 20th, 2023

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.