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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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Carl Strobridge

The people who worked with us were great

3 weeks ago

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Reply from Beyond Finance

Hey Carl-

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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Ken Randolph Galt, CA

Seems to be an interesting program to pay off some of my credit card/loan payments. Not sure how this is going to work as it seems that late payments are going to come from this which will greatly affect my perfect payment record.

9 months ago

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Reply from Beyond Finance

Hey Ken!

Thanks for sharing your thoughts at this early stage in the process.

While it's true that credit score typically sees a drop during the program, the vast majority of our clients report a completely recovered FICO score by the time they graduate from their program. This is because 30% of your credit score is based on “Amounts Owed,” so each time you settle an account, that debt is removed as an active line of credit. Also, “Missed payments,” the reason your score will have seen that drop in the first place, carry less and less weight on your credit score over time, and eventually disappear completely.

It can definitely feel uncomfortable to see a ding to your perfect record, but ultimately, this doesn't reflect on you as a person. And the good news is that with good financial habits, you should see that recovery in the end. Our graduated clients say that saying goodbye to their debt is 100% worth a temporary impact to their credit report.

Please reach out if you have any other questions or concerns about the process! We can be reached through our 24/7 live chat, 800-282-7186, or [email protected].

We're glad to be on this journey with you.

Client Success Team at Beyond Finance

Jun. 13th, 2023

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Review Source

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Jerome Belinsky DeLand, FL

Customer Service Representative Matt and Jessie Technical Support were extremely helpful and personal. The information provided was easily understood enabling me to better understand the program. Electronically the documents were structured well allowing me to move at a fast pace. The overall information provided was efficient and sufficient.

11 months ago

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Reply from Beyond Finance

Hey Jerome!

We’re so happy to hear about your positive experience with Matt and Jessie! 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

Apr. 26th, 2023

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Mark Nobles Sierra Vista, AZ

The initial conversation with Diana was great and we found the experience reassuring. We are still in the early days of the process, but so far we are satisfied.

8 months ago

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Reply from Beyond Finance

Mark—

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 at Beyond Finance

Jul. 7th, 2023

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Christopher Hall Knoxville, TN

So far my experience has been great. It’s hard to leave a five star review when things have just started. If they do what they say they will to help me then I’d be happy to praise them accordingly. But for now the folks that I’ve had the pleasure of speaking with have been great. And they call back when they say they will.

1 year ago

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Reply from Beyond Finance

Thanks for leaving us a review, Christopher! 

We’re so glad that you chose to enroll in the program, 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 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

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Peter adams

I Reached out to this program following up from a previous program that I was on the was too costly for me . the fees for Beyond Finance are so much better than other companies. And the process are nearly half of the time and cost I will be very appreciative of this process with Beyond Finance and recommended to others

1 year ago Edited September 9, 2022

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Reply from Beyond Finance

Hey there Peter,

Thanks for the great feedback! We are glad to hear that our program is working for you so far!

We’re here to support you. Remember that you can reach out to us with any questions or concerns at [email protected] or 800-282-7186.

Client Success Team at Beyond Finance

Sep. 15th, 2022

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Sue. Hansen Sheboygan, WI

I liked my Representative. She explained everything in detail and helped me thru the process

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 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

Dec. 7th, 2023

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Erica Dunn

They are very friendly and willing to make sure to do whatever it takes to help get you out of debt with little to no stress at all!

7 months ago

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Reply from Beyond Finance

Hi Erica!

Thank you for the positive feedback! We are excited that you found the program and are excited to see your progress along the way.

-Client Success Team at Beyond Finance

Aug. 23rd, 2023

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Bernadine J Hartline Florence, KY

when i spoke to Jenny, I felt much better about solving my credit card debt. She explained what B. F. was all about , but didn't make me feel rushed.

11 months ago

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Reply from Beyond Finance

Thanks for the feedback, Bernadine!

We want all of our clients to have a great experience with our program—we’re so glad that our representative, Jenny, helped you get started, made you feel comfortable, and answered all your questions.

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

- Client Success Team at Beyond Finance

Apr. 5th, 2023

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Donnie Young Orlando, FL

I liked the idea of Beyond getting in contact with the business or company and negotiate a plan or payoff amount without all of the finance charges that these companies charge.

1 year ago

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Reply from Beyond Finance

Thanks for leaving us a review, Donnie!

We’re so glad that you chose to enroll in the program, 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 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

Sep. 14th, 2022

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Review Source

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Mervyn Ramadhan Kabinjo Paragould, AR

I had a great conversation with the representatives who took me through the details of becoming debt free and they were patient and understanding because I was always interrupting them

1 year ago

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Reply from Beyond Finance

Hi Mervyn,

Thanks for the feedback! We want all of our clients to have a great experience with our program—we’re happy that our Client Success team was able to fully walk you through our program and how it works!

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

- Client Success Team at Beyond Finance

Sep. 14th, 2022

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Sandy W Foust Calvert City, KY

So far I enjoy your positive attitude to my situation. Your continue contact with me about the progress of the program. I feel your are and are going to be of a great benefit to my future.

1 year ago

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Reply from Beyond Finance

Sandy—

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

Aug. 3rd, 2022

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randall frederick Westland, MI

Your representative was very friendly and professional. She precisely explained the contract, which made it a wonderful phone call and made it easy to choose Beyond!!

8 months ago

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Reply from Beyond Finance

Randall—

The fact that you had such a great experience with our Client Success Team is music to our ears! It’s vital to us that our team is able to be there for you in a way that makes you feel comfortable, supported and fully informed. Thanks for letting us know that we’re on the right track!

Client Success Team at Beyond Finance

Jul. 7th, 2023

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Mary Barker Sylva, NC

Havent got aything done so far. But both people I have been working with were helpful and nice.

8 months ago

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Reply from Beyond Finance

Hey Mary!

Welcome to the program! We are glad you are having a positive experience so far.

-Client Success Team at Beyond Finance

Jul. 14th, 2023

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David P Brooklyn, NY

Very straight forward and to the point. The reps here give you all the information you need to make a decision.

11 months ago

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Reply from Beyond Finance

Hi David,

Thanks for the feedback! We want all of our clients to have a great experience with our program so we’re thrilled that our team was able to answer all of your questions and make sure you felt fully informed about the program!

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

- Client Success Team at Beyond Finance

May. 2nd, 2023

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Shosta Stevons Parham Durham, NC

My representative was very knowledgeable about my credit situation and gave me great advice on the future once my debt is paid off.

1 year ago

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Reply from Beyond Finance

Hi Shosta,

Thanks for the feedback! We want all of our clients to have a great experience with our program—we’re happy that our Client Success team could be there for you.

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

- Client Success Team at Beyond Finance

Mar. 15th, 2023

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Gideon Anchorage, AK

So far, so good. Settlement offered in 3 days. Freed up cash, avoiding credit card use and maxing cards, and avoiding high interest.

2 years ago

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Reply from Beyond Finance

Thanks for the review and congrats on your resolution, Gideon!

We’re thrilled to hear that our program is helping you achieve your financial goals! More resolutions to come!

- Client Success Team at Beyond Finance

Mar. 22nd, 2022

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Nick Baird Clovis, CA

Everything was pleasant and helpful. I just haven’t heard anything in the following days about where my debt stands

1 year ago

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Reply from Beyond Finance

Thank you for sharing, Nick! We are so happy to hear that you’re having a good experience with our team so far.

We’re here to support you. Remember that you can reach out to us with any questions or concerns at [email protected] or 800-282-7186.

- Client Success Team at Beyond Finance

Mar. 7th, 2023

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Greg Service jr MO

Beyond finance was good they were getting my debt settled out and payed down but it was taking longer then I thought it was going to.

1 year ago

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Reply from Beyond Finance

We appreciate your feedback, Greg.

We pride ourselves on prioritizing our clients’ best interests while we work with their creditors. From the time of enrollment, our team actively works to reach resolutions that save you as much money as possible. Because we customize each program to meet each client's needs, resolution times may vary and it can potentially take up to six months or longer to reach your first resolution.

For questions about your program’s progress, contact our Client Success team at [email protected] or 800-282-7186. Thank you for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Jun. 2nd, 2022

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Julianna Holtzman Cambridge, MD

Very helpful to get back to a debt free life.

10 months ago

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Reply from Beyond Finance

We're so honored we get to help, Julianna! Thank you for your kind words!

—Client Success Team at Beyond Finance

May. 16th, 2023

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Glen E McKinney

Courteous , polite and professional throughout the whole phone conversation.

1 year ago

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Reply from Beyond Finance

Thank you for the great feedback, Glen! We’re happy to hear that our client service is living up to your expectations.

As always, you’re welcome to contact us with questions about your program at [email protected] or 800-282-7186. Thank you for choosing Beyond Finance!

- Client Success Team at Beyond Finance

May. 20th, 2022

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Lisa Thomas Montgomery, AL

They explain the entire situation and how things will go

1 year ago

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Reply from Beyond Finance

Hi Lisa, 

Thanks for the feedback! We want all of our clients to have a great experience with our program—we're glad that your initial conversations with our team made you feel fully informed and prepared to begin your debt resolution journey.

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

- Client Success Team at Beyond Finance

Aug. 3rd, 2022