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Beyond Finance Reviews

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Edited by: Jon Bortin

About Beyond Finance

Beyond Finance is a debt settlement company that has been in business since 2011. On its website, the company claims 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 are living paycheck to paycheck.

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

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.

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
    Customer ServiceStaff

    Reviewed April 28, 2026

    I’ve been in a big mess for about 5 years. I researched this company and decided to reach out. I got Anthony M and am Really impressed with his knowledge about choices for my financial situation and was extremely nice and patient and answered my never ending questions. He is definitely what helped me make my mind up to dive into this consolidation and not file bankruptcy. I also spoke with Jacqueline who was also very nice and helpful. The non judgmental attitude these 2 have is very refreshing since people on my end are already feeling bad enough about the mess we’ve created. Thank you so much for a fresh start!

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    Customer ServiceSales & MarketingPunctuality & SpeedStaffTransparency

    Reviewed March 16, 2026

    I've just begun my business relationship with Beyond Finance and if my initial on-boarding is indication, I am very happy I ran across their ad on FB. The rep whose task it was to explain everything and officially sign me up was outstanding. She was easy to talk to, personable and willing to answer all of my questions. She was patient as we worked through getting my pertinent info gathered. The best part was that her demeanor reflected understanding of my circumstances with absolutely no judgement!!! I'm hard enough on myself as well as frustrated and stressed by it. I responded an ad geared toward veterans. I assumed this to be a vet-friendly organization. So far, so good! I'll update my review later, if possible.

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    Beyond Finance
    Response from Beyond Finance
    Hi Kimberly,
    We’re excited to hear about your positive experience with our team at Beyond Finance! Your feedback is valuable, and we’re pleased our representative made you feel understood and supported during the onboarding process. We look forward to assisting you on your journey to financial freedom!

    — The Client Success Team at Beyond Finance

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      StaffTransparency

      Reviewed March 15, 2026

      A company and team that are dedicated to truly being transparent and optimistic on helping you on any situation and circumstances and hardships that you maybe currently dealing with and taking the time to get to know you on a more personal level, making you feel as comfortable as possible on who you are in your current situation and circumstances and what you're dealing with and what to expect down the road with and who they are and what they're all about. They want you to make goals and see you not just working towards them but ultimately achieving them. They're in your corner, you have your own coach to help you along the way if need be with complete access anytime, and then take everything out of your hands, it's really that simple and relieving, at least in the world that can be very stressful as it is.

      Thanks for your vote!
      Beyond Finance
      Response from Beyond Finance
      Hi Jerry,
      Thank you for your kind words! We're delighted to hear that our team has made you feel comfortable and supported throughout your journey. Your positive experience truly motivates us to continue our mission of helping clients achieve their financial goals.

      — The Client Success Team at Beyond Finance

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      StaffRates

      Reviewed March 3, 2026

      884. Jonathan ** is an excellent worker. He was very professional and understanding. He understood my situation and continually offered words of encouragement, assuring me that the company would find the perfect solution to my problem. He was explicit in every detail and went through the entire document. When he didn't understand something, he patiently explained it again. I had a wonderful experience with you and have already recommended you. I was truly impressed with the wonderful interaction that developed between Jonathan and me.

      I am eternally grateful. God put you in my path because He knew how desperate I was and how many years I had lived like that. That's why I believe 5 stars is a very poor rating for someone who dedicated so much time to helping me. I give him a million stars and urge the company to take care of such valuable workers as Jonathan. Thank you so much for helping me; you changed my life and gave me peace after so many years of suffering.

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      Beyond Finance
      Response from Beyond Finance

      Hi Lileana,

      Thank you for your heartfelt review! We're delighted to hear about your positive experience with Jonathan and appreciate your kind words about his professionalism and dedication. It's truly rewarding to know that our team's efforts have made such a significant impact on your life.

      — The Client Success Team at Beyond Finance

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      Loan Process

      Reviewed Feb. 17, 2026

      I am absolutely ecstatically baffled by this company, Jennifer to be precise. I really was at my wits end, had no clue what I was going to do in order not to lose everything I have worked so hard for the last 6 years. Starting from absolutely nothing to running someone else's multimillion dollar company and then I decided to open my own. And almost exactly a year to the day I was facing losing it all. Jennifer was able to not only get me approved for a large sum loan, but I was legit able to go from paying just under $1800 / month for the specific accounts to $900.16. The term i was facing was 76 more months and she got me down to 55. Which was a bottom line savings of $44k!!! The process was painless. And I can breathe again, so YES YES YES, I recommend Beyond to everyone!

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      Beyond Finance
      Response from Beyond Finance
      Hi Gwen,
      Thank you for your incredible feedback! We're delighted to hear that Jennifer was able to support you during such a challenging time and deliver such significant savings. Your recommendation means a lot to us, and we're thrilled to have made a positive impact on your journey with Beyond Finance.

      — The Client Success Team at Beyond Finance

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      Staff

      Reviewed May 7, 2026

      Chris was awesome and ensured full understanding of the process.

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      Staff

      Reviewed May 6, 2026

      Thank you Kelly ** for your excellent help and support!! You definitely made it worthwhile to get me started on my journey to relief.

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      Staff

      Reviewed May 5, 2026

      This was SO helpful! I was able to consolidate my debt, and I'll have everything paid of in 4 years instead of something closer to 18 years!! This makes a massive difference and I'm so grateful.

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      PriceStaff

      Reviewed May 5, 2026

      Ben was very professional and informative about what I need to do and how I can save my credit and pay less monthly. Times are very tough right now during the war with Iran. Fuel and cost of goods are outrageous and before planning with Beyond, I had no idea what I could do to afford to buy groceries or fuel to get to work. Thank you for all your help.

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      Staff

      Reviewed May 5, 2026

      I was so amazed and pleased with the services I received to meet my financial obligations. I had an amazing advisor who walked me through and explained every step. I am pleased with the results and my financial obligations were met.

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      Beyond Finance Company Information

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