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Beyond Finance

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LAST UPDATED: March 30th, 2023

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


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.


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.


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.


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.


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.
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268 Reviews

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Lori Sokol Lake Worth, FL

Extremely frustrating. I've been dealing with them for about a year. Initially a great pitch, promising me they would "take care of everything." They've since settled a few of my credit card debts, but I've had to deal with lawyers and the court system, as they are not very conscientious. I have to constantly call and make sure they're doing their job so that I don't keep getting served with court papers! Lazy about ensuring debts are settled and everything is in order. They use the excuse they can only work with the funds available, but they don't do their job very well, even when they do have the funds. Communication sucks - they make "appointments" to speak with me, and then they don't call!

3 months ago

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Reply from Beyond Finance

We appreciate you sharing your experience, Lori. We’re sorry to hear that your creditors chose to go this route. While not every creditor takes this approach, some creditors are unfortunately more aggressive in their debt collection methods than others. We understand that this is not only a frustrating experience but that it can also be a stressful one as well. we’re sorry you feel you were in need of more support from our team. We want to be there to help our clients navigate experiences like this, however rare, and would love to learn more about your experience and continue working with you. Give us a call at 800-282-7186 or email [email protected] and we’ll do our best to help you figure out next steps. - Client Success Team at Beyond Finance

Jan. 4th, 2023

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Loura Layton West Palm Beach, FL

I was given the wrong information regarding the settlement process. I was told the two loans I wanted to settle wouldn’t effect my credit. I have a great credit score and explained I wouldn’t be interested if the settlement would effect my credit score. The agent reassured me that the creditors would be contacted and the creditors wouldn’t charge any late fees or interest fees whiled the process was being negotiated. I signed All paperwork regarding the settlement to be told after the fact that no negotiation would be done until accounts were 120 to 190 days delinquent. I then explained to the agent who was setting up the financial statement that I was misinformed and to cancel the agreement.

8 months ago

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Reply from Beyond Finance

Thank you for the feedback, Loura. We always aim for transparency with regard to our process, and we're sorry that you feel the credit implications of the program were not explained clearly. To be clear, participating in our debt resolution 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 resolving debt. Once your debt is finally resolved, the effect on your credit can actually be very positive. Practicing positive credit behavior can help you build your creditworthiness back up over time. We are sorry to hear that our program was not the right fit for you. We’re sad to see you go, but wish you the best of luck in moving beyond debt. We are currently reviewing your calls with our team to find out what happened here and improve our process in the future. If you have any additional questions or concerns, or if you simply want to discuss your experience further, do not hesitate to reach out to us with any other questions or concerns you may have (phone: 800-282-7186 / email: [email protected]). - Client Success Team

Jul. 20th, 2022

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April Whitehead McMinnville, TN

I’m still thankful for the assistance given for settling my debt. However, my accounts have all been paid and I still have over $2000 in my account two months after my final payment. My account is still open with monthly fees still coming out. Ive been checking in daily and given multiple timelines and stories. I’m currently paying Above for the graduation loan that was to close this account. Beyond is still holding the overage that I am making payments on. All I’ve been given is double talk with zero answers. I was told it would be resolved within 60 days, then on Monday I was told it was escalated. On Wednesday I was told 3-5 days from Monday. On Thursday, I was told 7-10 days from some unknown date that the representative wouldn’t disclose. Today I was told to call and speak to a manager. No manager came on the phone. I was told that an email would be sent to a manager and would be responded to within 72 hours! Ive had to contact the BBB as I feel at this point I am getting played for more money.

9 months ago

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Reply from Beyond Finance

We appreciate your feedback, April. We are glad that you were able to make the transition to Above Lending, but we're sorry that you experienced payment issues with your Dedicated Account. After a thorough review of your program, we have issued you a refund. For any other questions or concerns regarding your program, please reach out to us at 800-282-7186 or [email protected] - Client Success Team

Jul. 8th, 2022

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swtcanchaser Conway, AR

While Beyond Finance was easy to work with initially my husband was served court documents where a creditor filed in court. We paid extra for legal and they never responded to the court filing , and we never received a court date so the creditor received a default judgment. After two years of on time payments we qualified for a consolidated loan to pay everything off, which we did leaving $2200 in our account with Beyond Finance. It has now been almost 2 months and they will not give me my remaining funds, even though everything has been settled. I have been calling 1-3 times a week since February 23rd and they keep giving me excuses as to why their graduation department will not graduate me from the program.

1 year ago

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Reply from Beyond Finance

Hi there, We greatly appreciate you sharing your experience. We take your feedback very seriously and are sorry that you are having trouble graduating from the program and that there have been multiple points of frustration during your program participation. We would like to better understand your experience and resolve this. Please reach out to us at 800-282-7186 or email [email protected] with your name, email address and phone number so we can resolve this as soon as possible. - Client Success Team at Beyond Finance

Apr. 13th, 2022

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Frank T Santa Paula, CA

I signed up with Beyond Finance due to their good rating with the Better Business Bureau. Their fees are 25% of the original debt, so if they resolve an account for 50% of the original debt, their fees reduce the savings by half. That is, if you have an account balance of $10,000 and they settle it for $5,000 they claim they saved you $5,000. However, you have to pay them 25% of the original debt. Twenty-five % of $10,000 is $2,500. You wind up paying $7,500 as opposed to the $5,000. If you are paying a 20% interest rate, the savings will be increased by the reduction in interest payments. In my situation, I found the only real benefit was that I no longer had to deal with threats and harassment from the less ethical credit card companies.

1 year ago

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Reply from Beyond Finance

Hi Frank, Core to our program is making sure that all of our clients fully understand how our debt relief program works—we regret that we missed that mark with you. It's worth noting that we walk clients through their program fees at enrollment and our program fees are factored into client deposits. We'd also like to note that one of the benefits of our program is that even with those fees, working with us can be much less expensive than continuing to pay your creditors. We are ultimately glad to hear that our program is saving you the trouble of dealing with your creditors and saving you money, too. If you have any additional questions about your program or fees, give us a call at 800-282-7186 or email [email protected] Client Success Team at Beyond Finance

Apr. 20th, 2022