Beyond Finance Reviews

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Edited by: Jon Bortin

About Beyond Finance

Established in 2011, Beyond Finance is a debt settlement company that says it can cut your monthly payments by 40% or more while negotiating with creditors on your behalf to reduce the total amount you owe. Beyond Finance says its services are ideal for people with $10,000 or more in unsecured debt who want to avoid bankruptcy.

Pros
  • Free consultation
  • Mobile app
  • 24/7 live chat support
Cons
  • Not available in all states
  • Unable to offer legal support

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What is Beyond Finance?

Beyond Finance provides personalized debt settlement programs for unsecured debts such as credit cards, medical bills and private student loans. It is affiliated with Accredited Debt Relief, a debt settlement company that operates in 32 states. When you sign up for Beyond Finance online, the intake assessment is done by Accredited Debt Relief.

One notable perk of Beyond Finance is its mobile app that allows you to manage your enrolled debts and monitor your progress. The app has a 4.7-star rating on Google Play and a 4.9-star rating on Apple’s App Store as of publishing, with over 4,000 reviews combined.

How does Beyond Finance work?

With Beyond Finance, you’ll first set up a free consultation with one of its team members. Based on your financial circumstances, Beyond Finance will then help you choose a personalized debt settlement program. Beyond Finance says most clients fully resolve their enrolled debt in 24 to 48 months.

With any debt settlement program, the goal is to reduce the total amount you owe to your creditors. To do this, Beyond Finance will require that you stop paying your creditors and instead deposit a monthly payment into a settlement account. During this time, Beyond Finance will negotiate with the creditors on your behalf.

Once a settlement amount has been agreed to with a creditor and approved by you, the payments you’ve been making into the settlement account will be sent to the creditor. This may be in one lump sum or in multiple payments. Beyond Finance says that, on average, clients must save 40% to 50% of a debt before a settlement offer will be made.

Note that debt settlement will hurt your credit because you’ll no longer be making payments on those bills. You’ll incur interest and late fees on those unpaid amounts — and since there’s no guarantee a creditor will agree to settle, you could end up owing even more at the end of the process. Ensure the risks are worth it before pursuing any debt settlement program.

Beyond Finance services

Beyond Finance offers debt settlement services for the following types of debt:

  • Credit cards
  • Personal loans
  • Private student loans
  • Medical bills
  • Lines of credit
  • Debts in collections

It cannot help with federal student loans, mortgages, auto loans or other secured debts.

While Beyond Finance doesn’t specify a minimum debt requirement to participate in its program, it does say that debt settlement is best for people with $10,000 or more in unsecured debt.

Beyond Finance is not available in all states. However, it doesn’t specify on its website which states are ineligible.

Also, since Beyond Finance is not a law firm, it cannot offer any legal advice should a creditor decide to take legal action against you. However, Beyond Finance says it will attempt to resolve that creditor’s account and can refer you to further help as needed.

Beyond Finance fees

Beyond Finance charges a percentage-based fee of 15% to 25% of your enrolled debt. If it is unable to resolve a debt with a creditor, Beyond Finance says you won’t be charged any fees for that particular debt.

The initial consultation is free, and Beyond Finance doesn’t charge any upfront fees. You’ll only owe your fee once you’ve reached a settlement.

Beyond Finance FAQ

Does Beyond Finance have a money-back guarantee?

Beyond Finance does not mention anything about a money-back guarantee on its website. However, it does say that you will not be charged any fees unless a settlement is reached.

Will using Beyond Finance hurt my credit score?

Yes, you should expect your credit score to take a hit with any debt settlement company because you must stop paying your creditors as part of the negotiation process. However, if your settlement is successful and you show responsible financial habits, your credit score will eventually go back up over time.

Does Beyond Finance give out loans?

Beyond Finance offers a “graduation loan” of $1,000 to $75,000 through its affiliate, Above Lending. The purpose of the loan is to help you complete the debt settlement process faster. The funds are deposited into your settlement account so that you can pay off any remaining debts and fees in as little as 90 days. The loan is by invitation only, based on your ability to make consistent deposits and your creditworthiness.

Is Beyond Finance legit?

Beyond Finance is a legitimate debt resolution company that is accredited by the American Fair Credit Council, the Consumer Debt Relief Initiative and the Better Business Bureau. Its repayment accounts are insured by the Federal Deposit Insurance Corporation. Beyond Finance says it has helped resolve more than $3 billion in debt to date.

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Beyond Finance Reviews

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    Page 1 Reviews 0 - 5
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    Online & AppStaffTransparency

    Reviewed Feb. 9, 2025

    I have the best experience in a very long time. I was not very comfortable at first discussing my personal finances. Initially I was not going to pursue the idea of asking for help with my situation, so a couple of months passed before. I decided to move forward and contact Beyonce Finance and its team to help me resolve my financial situation. Once, Alex ** walked me through the process I saw that it was really possible to get this done. All of my questions were answered effectively and in a timely manner. I saw the possibilities of being debt free emerge and the solution process began.

    I am very happy with the single monthly payment and the idea that Beyond Finance would be able to work through my 12 creditors, something that I would not be able to do alone. Finally, I am grateful for the App and online account which enables me to track the progress of my debt resolution program. Any questions that I may have will be directed the the Beyond Finance Team and I am assured and confident that all will prevail.

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    Beyond Finance
    Response from Beyond Finance

    We're so happy to hear that you found comfort in discussing your finances and that Alex was able to guide you through the process. It’s truly rewarding to know that you feel confident in your journey toward financial freedom.

    We appreciate your trust in us and look forward to continuing to support you!

    — The Client Success Team at Beyond Finance

    StaffTransparency

    Reviewed Sept. 14, 2024

    I have been battling the debt devils for many years, and even though my debt loads are not unique but substantial, the experience was very positive. The staff (Joan **) was very pleasant, knowledgeable, and took her time as we worked through the history and the "debt" damage. Each person's situation is different (though we all fit into specific categories), but we all have unique income, expense, and debt situations. She navigated it quite well, and with the attached videos, education, and documentation, it was very understandable (at least to me). How one processes loss and shame is always owned by the person; however, staff like Joan really take great care to ensure you feel safe and transparent throughout the whole process.

    The biggest suggestion I can make to those who read this and are contemplating the process is to make sure you know honestly what your debts and payments are and exactly what your budget/expenses are. If you do this and process your feelings, when you talk to staff like Joan, you understand and can learn to feel less stress. Do go and research the reviews, take web searches (e.g. Reddit etc) with a salt of truth and know every situation is different.

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      Customer ServiceStaffProcessTransparency

      Reviewed Aug. 27, 2024

      Oh my word, what can I say… I feel like a huge weight has been lifted from my shoulders and it started with a simple phone call. Jensen ** was my advisor and he was patient and kind and walked me through the process in about an hour and a half… We were able to do everything from my phone and laptop… Pull up records… Check balances… Calculate realistic monthly budget… And when I saw the cold hard facts that I was actually living in a negative state for so long… While still staying current with auto payments on all of my debt… But it required, substantial draws from my retirement in order to do so.

      We went through a lot of changes in the last few years… Separation… Reconciliation… Sold our home in the city and got 12 acres in the country… On a new journey together with my husband ❤️. I sustained a rotator cuff tear four months ago, saving a goat from my dog… So of course, a substantial drop in income. Getting prepared for surgery next week and that was looming over me, knowing that if I don’t work, I don’t bring in revenue since I am a self-employed nurse with her own corporation…

      Years ago I was at the pinnacle of my success bringing in sometimes $20,000 a month and now it’s closer to six to $9000 a month… I definitely was living beyond my means but I have learned so much moving to the country and living a more simple life… I truly have changed… And beyond finance is giving me a fresh start! I feel like I can breathe a little easier now going into surgery next week not stressing about money… I will be a work in progress for some time, but I can see that glimmer of light at the end and I am so looking forward to financial freedom.

      While I’m recovering from my surgery, I’m going to go through the financial peace University information that I have from my class I took at my church seven years ago… Because I truly want to make positive changes not only in my life but in my finances… And look forward to an amazing future on our farm with my husband, our dogs, and a pig named Wilbur. :-)

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      Customer ServicePrice

      Reviewed Aug. 15, 2024

      I am a disabled veteran. I was using Facebook when I noticed an advertisement for debt relief. I clicked the link and it connected me with Beyond Finance. After making the call to investigate the program, I decided this would be my best course of action. I was already in a program with another company and I definitely found out I would be able to include a debt with Beyond Finance that wasn't included in my current program.

      The best part is that it freed up more money in my budget while paying almost the same amount I am currently paying. The length of the program I was in is the same as what Beyond Finance offered. The process is very simple and they have an app for managing your account. You can see your progress, your accounts, and the settlement offers from your creditors. I highly recommend this company if you are overwhelmed with unsecured debt that continues to charge huge fees and interest. Beyond Finance can stop the snowball effect by negotiating with the creditors. The convenience of having a lower payment plan and stopping the annoying intimidating calls from your creditors is a huge relief. If you're reading this, then don't hesitate to contact Beyond Finance.

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      Staff

      Reviewed June 29, 2024

      I worked for a MAJOR INSURANCE Company for 50 yrs, a widow & was hired by an agent to help out with their agency. This agent screwed me every way she could. No pay checks & when I got one it came back NSFs. Had insurers coming in screaming @ me because they paid the agent & got cancelled because the agent had their checks made out to her. Deposited the $$ in to her personal acct. I quit, took her through TWC who found her guilty, she turned around. Filed bankruptcy. Leaving a 70 yr widow almost in bankruptcy with bills I couldn't pay.

      So far Beyond had kept them off my back even though my credit got ruined. So far I haven't gotten any nasty letters from my debtors in the yr that I signed up with them. The MAJOR insurance company I had worked for 50 yrs told me it was MY problem. Not theirs! Never offered to help a 50 yr employee that got screwed by an agent THEY hired. It will take me 7-8 yrs to clean up the mess she placed me in and the insurance I worked for 50 yrs to spit on me!! (Did I mention I was a widow too?)

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      StaffProcessTransparency

      Reviewed May 15, 2025

      I was facing significant financial strain due to high credit card payments and didn’t know where to turn for reputable, Accredited help. That’s when CaliforniaDebtRelief.org connected me with Mr. Edward **. At first, I was apprehensive—I had little to no faith that anyone could truly help. But Mr. ** showed exceptional patience, professionalism, and expertise. He took the time to break everything down clearly and explained how the program could work for me.

      Most importantly, he offered something I didn’t expect: hope. I could go on and on, but what matters most is that thanks to his support, I now feel a renewed sense of stability and optimism. I'm so happy I don’t need a Loan! I don’t deal with creditors, and I don’t run out of money now! Got to add I love the transparency and the clear steps Beyond offers! I’m looking toward the future with confidence. Thank you Edward.

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      Customer ServicePriceOnline & AppTransparency

      Reviewed May 14, 2025

      Admitting you're in debt is hard. What I don't need is someone telling me what I should have done. That ship sailed. When your interest is more than your payments, you will never dig your way out. This I know! I did this and it didn't happen overnight. So I called. Gerald was very pleasant. Yes it was a long conversation, yes it was a lot of information and yes I am glad I did. It isn't a quick fix, but it is quick relief! Everything was explained and a follow up call today. Everything in writing. Everything I need in their app. I'm not looking forward to pushback from the creditors, but I am looking forward to being financially free to do better. There is a plan, and a goal, and that's just what I needed!

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      StaffProcessTransparency

      Reviewed May 14, 2025

      The entire process was well presented. Everything was well explained and Rick (**) was a pleasure to work with - very knowledgeable, professional and nonjudgmental! I would highly recommend Beyond Finance for smooth and easy debt consolidation.

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      Staff

      Reviewed May 14, 2025

      I spoke with Dante. He’s so friendly and guided me what to do… Helpful and he really gave his time to talk to me. Choosing Beyond is a great choice and you are in good hands with them specially their agents.

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      Staff

      Reviewed May 14, 2025

      Choosing this company was the best decision I have ever made. They were so helpful and so informative. The rates are great and if you are in a financial bind these are the people to turn to. I can finally Breathe Again and start taking control of my life. With these much lower payments it will really make a difference.

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      Beyond Finance Company Information

      Company Name:
      Beyond Finance
      Website:
      www.beyondfinance.com