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
    Profile pic of the author.
    Customer ServicePricePunctuality & SpeedStaffBillingRates

    Reviewed Dec. 30, 2025

    At the beginning they was not interested at all. I had worked hard for years to get my credit score up where it was. My credit health had been excellent for years! Something I was very proud of. Then it wasn’t. There had been a health issue that caused me to have to drive 120 miles a day to spend the day with my father until my brother got there to stay the night with him. Funny how quickly a card company wants to drop you. Despite my hard work, loyalty to card companies, on time payments and payoff’s, charging, more timely payments and payoffs.

    My years of loyalty to my credit cards was met with despair, uncaring, nonchalant responses when I asked for a few months to get back up on my feet. Not one single company cared to talk to me. Not until I was 2-3 months behind. Then the calls would not stop, the reps were rude and didn’t care. I was not a person or someone they cared about. I was merely a past due acct and a story was not needed nor wanted. Just a payment.

    It took awhile to get me to see that I wasn’t saving my credit. It was already gone. At this point it made total sense to me that the companies are still receiving payment (not as they would like but getting paid) and I had money to live on again without killing myself in the process. I can choose to payoff a card in full or just distribute my payment across the board. Everyone gets paid off, I have money in the bank and eventually once it’s done I will have already began rebuilding my credit. I can promise you if you’re struggling like I was this is your best way out. Do not give the credit card companies thousands of dollars in interest for years. This program is well laid out. The people are kind and understanding. Bad things happen to good people. Help doesn’t make you weak, only stronger. Do the right thing and reach out to one of their agents today. You won’t regret it!

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Kim,
    We're delighted to hear about your positive experience and the understanding you found with our team. Your journey is inspiring, and we're glad your program with us could provide you with a path to regain your financial stability. Thank you for sharing your insights!

    — Beyond Finance

    Customer ServiceStaff

    Reviewed Aug. 26, 2025

    What an Awesome experience I had yesterday with Beyond Finance via phone contact! I am above and beyond pleased with the service my Manager Tony ** rendered unto me!! From the start, his friendliness along with his empathy, expertise in showing how much he cared to listen to me state my financial problem filled me with confidence, peace of mind and belief that after the call and the necessary steps to take were bound to be an extraordinary outcome that I will cherish for a lifetime!!! Thank You Mr. ** as well as your staff lawyer who informed me of my rights as a member and all of the perks that comes with joining forces with Beyond Finance to accomplish my goals, get myself in a reasonable place in my financial status again and watch within 3-6 months how my credit score will jump up to good and then to outstanding!!!

    Thank you Beyond Finance for first serving me your client with top notch excellence and at the same time each Staff member working together as colleagues to continue to set the bar higher than any other competition out here in the world. I appreciate y’all and would be more than happy to make a short video expressing my accomplishments with you as I continue to do what I’m instructed for ultimate success in my financial situation!

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance

    Hi Tanya,

    We’re delighted to hear about your positive experience with our team! It’s wonderful to know that Tony and our staff made such a meaningful impact on your journey toward financial stability.

    Thank you for your kind words and for choosing us at Beyond Finance. We look forward to supporting you every step of the way!

    — The Client Success Team at Beyond Finance

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      Customer ServiceContract & TermsSales & MarketingPunctuality & SpeedOnline & AppRefunds & PayoutsStaffBillingRates

      Reviewed June 1, 2025

      Recently, I had been on Facebook when I saw a product on debt resolution that seemed the perfect fit for my debt consolidation. I answered a few simple questions and by minutes later I reviewed a call from a very polite and professional representative who answered all my concerns. It was an easy decision for me to the program. I was in a position to agree to paying my debt in 12 months and am able to save in the process. Of course, there were several options but, I felt confident in completing my agreement sooner rather than 24 or 48 months. Payments were set a bi-monthly on a specific day until I reach my goal.

      Everything was done online step by step with the kind and caring representative, Charles **. He recommended I view on the app all the information on being successful at understanding more by watching a video to explain more information in detail. I found this simple and secure to manage my account. I truly am glad I made a plan with guidance from a BBB A+ rated company thru Accredited company. I highly recommend them if you're worried about your financial situation. I was like most in credit card debt. Take the step to freedom of worry and debt. You will be glad you did.

      Thanks for your vote!
      Beyond Finance
      Response from Beyond Finance

      Hi Cynthia,

      Thank you for your kind words! We’re excited to hear that you found your experience with our team so positive. It’s great to know that Charles provided the guidance you needed to feel confident in your decision. At Beyond Finance, we aim to empower our clients to achieve their financial goals, and we’re thrilled that you’re on the path to financial freedom. Your recommendation means a lot to us!

      — The Client Success Team at Beyond Finance

      Customer ServicePriceStaffHonesty & Transparency

      Reviewed March 10, 2025

      Let me start by saying - What a refreshing experience working with this Company. I spoke to a Keith ** - who took the time to listen to my needs, produce a plan that was affordable for me, walk me through each step so it would be easy for me to handle on my own. Gave me all information so I could reach a live agent with any questions any time during my time with your program. Outstanding Customer Service!!!!

      If I could Keith a 100 ⭐️ stars that is what he deserves. He didn’t miss a beat speaking with me about the program. Every question I asked, he had a complete answer and directed me in the right direction to handle. He took the time to show me how to use the portal, and show how easy it was to maneuver around. Honestly, once Keith had gone going over the program so thoroughly. I had no questions!! Thank you Accredited for hiring Keith **. Topnotch Employee. ⭐️⭐️⭐️⭐️

      Thanks for your vote!
      Beyond Finance
      Response from Beyond Finance

      Hi Nina,

      Thank you for sharing your wonderful experience with us! We're grateful to hear that Keith was able to provide you with top-notch service and support throughout your journey. Our team at Beyond Finance is dedicated to ensuring that every client feels informed and empowered, so it's fantastic to know that Keith was able to guide you effectively and answer all your questions. We look forward to continuing to support you on your path to financial freedom!

      — Beyond Finance

      Profile pic of the author.
      Sales & MarketingOnline & AppStaffBilling

      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.

      Thanks for your vote!
      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

      Profile pic of the author.
      Verified purchase
      Customer ServiceContract & TermsStaffBilling

      Reviewed Jan. 13, 2026

      I had put this off for far too long. But, it was really the easiest thing. The agent I spoke with was incredibly knowledgeable about how to solve my financial problems. But, more importantly, he was empathetic and understanding about my situation. He made me see that I had been struggling to keep my head above water, and that if I continued paying the minimum due for my credit card bills, I would not be debt free for 22 years. He explained all my options and took great care that I understood the payment agreement, my responsibilities as well as those of Beyond Finance. And, I only had to speak with one person at Beyond Finance. All of my questions were answered and I was never transferred to another agent or put on hold. The call did take almost 90 minutes, but it did not feel that long at all.

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      Profile pic of the author.
      Staff

      Reviewed Jan. 12, 2026

      The staff is very friendly and professional. They hear what you have to say and do not judge you for your situation. The first person I spoke to was very pleasant and took the time to explain everything. He took the time to listen and never once judged. He actually understood and related. All of my questions were answered and if I didn’t understand the first time it was explained, he would explain it a different way until I understood.

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      Profile pic of the author.
      Staff

      Reviewed Jan. 11, 2026

      Jade went above and beyond and explained every detail. She was peaceful, friendly, considerate, and kind with my situation. She was efficient and went out of her way to explain things to me that I did not understand. Thank you Jade. You are a sweetheart.

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      Profile pic of the author.
      Customer ServiceStaff

      Reviewed Jan. 10, 2026

      Customer Service representative seemed to know about program, and even shared something of his life that was similar to my family situation. Made sure I understood everything that was discussed, and that I was comfortable agreeing to terms. Very hopeful to see progress after 6 months, and after call felt some relief to getting back on track.

      Thanks for your vote!
      Staff

      Reviewed Jan. 9, 2026

      Polite, professional and proficient. Great experience. Approachable, friendly and sympathetic to my circumstances. Non-judgmental. Efficient and effective. Easy to talk with. Extra patient and an excellent listener.

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      Beyond Finance Company Information

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