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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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Morris Stockton, CA

I just started my journey with this credit. Consolidation company so 3 stars at the beginning. I still have a long ways to go hopefully. They'll be able to get me back to where I need to be far as my finances speaking with the representatives. They were very nice well. Of course stay tuned and will see what happens.

2 weeks ago

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Reply from Beyond Finance

Welcome to the program, Morris! Thanks for taking the time to review us! We know that having 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 [] or contacting us with questions at [email protected] or 800-282-7186. We’re here for you. - Client Success Team at Beyond Finance

Mar. 15th, 2023


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Rj Phillips

I really dislike when companies ask for reviews before they've done anything but here goes customer service seems to know what they're doing and after reading the reviews I changed part of my contract and they didn't give me a problem so I give them kudos for that... It didn't change my payment at all so I'm only saving maybe $25 so far but if they can get my debt cut in half this journey will be worth it only time will tell I make my first payment next month and honestly I'm terrified that it will bite me in the butt but I'm glad that Beyond finances at least giving me a chance to try to rectify my bills. I'm only 36k in debt and on a very limited income I was hoping to get help with my entire debt but companies are only interested in credit cards for overcharging interest anyways. I'll update this later when I've had more time with this company and see what they actually accomplish fingers crossed

11 months ago

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Reply from Beyond Finance

Hi RJ, Thank you for sharing your initial impressions of our program so early in your debt relief journey. We are glad to hear that so far, your experience with our team has met your expectations and you've been able to make desired changes to your program. Our program is designed to have our clients as much time and money as possible as we help them resolve their debts. We look forward to helping you move beyond debt and are always available to provide support during your program at [email protected] and 800-282-7186. Thank you, Client Success Team at Beyond Finance

Apr. 13th, 2022

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Cheyenne Reno, NV

I've been working with them for about 3 years now. I was hoping they'd settle my debt for a atleast a bit less then my balance but most of my settlements have been way more than the actual balance. At that point, I feel like I should have just paid the creditors directly now that I have the ability to do so. Theyre pleasant to work with but theyre costing me more money.

11 months ago

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Reply from Beyond Finance

Hi Cheyenne, We appreciate your feedback and we are sorry to hear that your experience with your program has not lived up to your expectations. Our top priority is to help our clients resolve their debt, saving them as much money and time as possible. Unfortunately, not all creditors approach resolutions the same way and savings cannot always be guaranteed. We'd like to note that our program is generally much less expensive than remaining in the cycle of making minimum payments to your creditors, which comes with its own interest and fees. We'd love to discuss your experience further. Please reach out to our team to discuss your experience further and get next steps for your program at [email protected] or 800-282-7186. - Client Success Team at Beyond Finance

May. 6th, 2022

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Dwain Edwards Anderson, IN

So far I'm a mixed bag, first a few things to note about the positive and negative reviews. Debt settlement is a mixed bag, and I seriously suggest doing your research before taking this route, it's possible they settle your debt, it's also possible the creditor just sues you to get the money you owe. This method is a risk, but it should only be used as a last resort to try to avoid bankruptcy. I'm here because I had to take out a couple loans, one from upstart and one from rise credit, totally to about 5500 dollars so far made a payment of about 70 bucks and was debating on canceling but the manager and the associates are super nice and to a extent they are right about a couple things, so I am taking the risk, and I hope this works. If your not wanting to go bankrupt but seriously in financial issues, it may be a good option, but otherwise I'd seriously suggest being careful with your money tightening up if possible and working to fix your situation before reaching to these people. So far I've been getting calls from rise. Upstart isn't until later in the month, but rise is the big issue. I hope the settlement comes quick cus I really don't want to deal with any of this. But honestly so far with the company y itself things are okay, communication has been clear, but based on reviews I'm keeping track of every payment and the totalled amount and keeping records. I would suggest everyone using it do the same, not because I seriously think they are stealing money, but necause I just want to be safe. I'll update my review after some time, but I just right now don't want to be like this company is amazing too early, or say it's awful when I also never gave it a chance.

1 year ago

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Reply from Beyond Finance

We appreciate your honest feedback, Dwain! Our goal is always to educate and inform our clients about our program so that they fully understand how the debt resolution process works. We're glad to hear that our team was able to fully explain our program and prepare you to begin your journey with us. We are sorry to hear that you received some calls from your creditors following your enrollment. We know that with the aggressive methods that some creditors employ, tackling debt can be stressful. We'd like to help you change the contact information on file with your creditor from yours to ours. Give us a call at 800-282-7186 or email us at [email protected] and we’ll help you make that change. Thanks for choosing Beyond Finance! - Client Success Team at Beyond Finance

Jun. 3rd, 2022


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Nick Becker Kansas City, MO

I appreciate any help. Thank you. I would like a timeline on what to expect. I will be getting calls and messages expecting payments next week. I don't want drafting on my bank account.

1 year ago

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Reply from Beyond Finance

Welcome to the program, Nick! We know that being burdened by debt can be stressful, so we’re excited to help you take your first steps towards a brighter financial future. Our goal is to make sure our clients fully understand their programs and know what to expect. From the time of enrollment, our team actively works to reach resolutions that save you as much as possible. Because we customize each program to meet our clients' specific needs, resolution times vary from person to person and it can take up to six months or longer to reach your first resolution. To learn more about your program and what you can expect timeline-wise, please reach out to us at 800-282-7186 to speak with a member of our team. Thanks again for choosing Beyond Finance! - Client Success Team at Beyond Finance

Mar. 4th, 2022


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Carlos A Hidalgo Houston, TX

I enrolled with Beyond in 2018. At the time, I had a high debt. The amount of my monthly contribution is a little less than $500 monthly

10 months ago

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Reply from Beyond Finance

Hey Carlos, Thanks for the great feedback! We are glad to hear that our program is already helping you reduce your monthly payments. During your program, we encourage you to keep track of your progress by viewing your program online [] or by contacting us with questions at [email protected] or 800-282-7186. Thanks, Client Success Team at Beyond Finance

Jun. 2nd, 2022