
Beyond Finance Reviews
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About Beyond Finance
Beyond Finance is a debt settlement company that has been in business since 2011. It provides personalized debt settlement programs for unsecured debts such as credit cards, personal loans, medical bills and some private student loans. It requires a minimum of $5,000 in unsecured debt to use its services, and it claims it can reduce monthly payments by 40% or more. It’s available in all 50 states and Washington, D.C.
Visit www.beyondfinance.com- Free consultation
- Available nationwide
- 24/7 live chat support
- Mobile app
- Doesn’t offer legal support
- Debt consolidation loans not available in all states
Beyond Finance Reviews
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Reviewed Aug. 22, 2026
I am extremely upset how Beyond Finance management team handled my account!!!. Back in March I received a court summon for July. I've uploaded doc as soon as I received it. I called customer service the following day. Supervisor Sheyla reached out to me said my account has reached an agreement, I do not have to appear in court. She said I will send over document for me to sign and she also said I will make sure to handle your case personally, if you dont see the document within 2 weeks, call me back and speak to me directly so you don't have to reexplained everything to someone else. 3 weeks gone by, I called back looking for Sheyla, another supervisor said she's not available. Now I have to reexplained everything all over but this time she said I do not need to sign anything??. I called 2 weeks after, another supervisor said they will reach out to law office to see if they cancel the court date.
2 weeks after that I called back and asked, did they canceled my court date? All she said was high priority was raised and still waiting for confirmation. I spoke with 5 supervisors, every two weeks in 4 months span, all of them has different opinions on my case. I was really frustrated,and pissed!! My court paper said I have to pay $175 court fees and I am loosing days from work just to appears in court. Apparently my account came to an agreement since February but I still have to appear in court!!. I went to court and immediately got dismissed BUT I have to go back every 6 month just to show my face until my account paid in full which is in 2028.
So my experience with Beyond Finance is not as great as I would like. I was frustrated and still frustrating!! My next court date will be in January so it might be in the middle of the blizzard and freezing rain. NOT HAPPY!!!! My wife also enrolled with Beyond, she went through the same headache. She appeared in court 3 times on the same account!! Soooo frustrating!!
Hi Chansarith,
We are disappointed to know we didn't succeed in providing you with the type of support that we aim for. Our services are designed to help you lower your monthly payments and move towards financial independence. We're here to assist you however we can and clarify how our services can benefit your financial goals.
We are unable to find your account but would like to discuss your concerns. Please reach out to clientsuccess@beyondfinance.com or 800-282-7186.
— Beyond Finance
Reviewed Aug. 20, 2026
AGREED SETTLEMENT of $13,565.50
LAWYERS FEE, Associated Program Fees $14,000.00
Total Loan You Owed $27,565.50
I am currently enrolled in a debt resolution program and was informed that my account was being settled. I am only two payments away from completing the agreed-upon settlement amount of $13,565.50. However, I just received a call from BEYOND FINANCE stating that I need to pay an additional $14,000.00, which they claim is for legal fees. What happens to the money accumulated in my dedicated escrow/savings account? It is GONE.
Enduring financial hardship is difficult enough while retired and surviving on a fixed Social Security income and SNAP benefits. I was simply trying to manage my finances, hoping Beyond Finance Debt Solutions would help me. In hindsight, I should have called and settled directly with my creditors myself. Instead, the money accumulated in my dedicated escrow and savings account is completely gone. Now, my only remaining option to eliminate this debt is to declare bankruptcy. Reviews from other sources, such as Reddit, Google, etc. show that many other clients have faced the exact same issues.
This is not an accurate depiction of the practices at Beyond Finance. We only earn fees when we achieve results that you, the client, have reviewed and approved. This aligns our goals directly with your success. Additionally, our clients typically see their financial health fully recovered before the end of their program. Please reach out to our Client Success team at clientsuccess@beyondfinance.com or 800-282-7186 so we can discuss your concerns with you directly.
— Beyond Finance

Reviewed Aug. 19, 2026
Jensen ** was a blessing and very pleasant to work with! Got us a great deal of debt relief! Thank you so much!
Thank you for your kind words about Jensen! We'll be sure to pass along your appreciation, as feedback like yours inspires our team at Beyond Finance to keep making a positive impact on our clients' journeys toward financial freedom.
— The Client Success Team at Beyond Finance

Reviewed Aug. 15, 2026
Very helpful and walked me through the whole process and how everything will work.

Reviewed Aug. 15, 2026
Great experience, I felt understood and all my questions were answered. Very good service and it was an easy process.
Thank you for your wonderful feedback! We're so pleased to hear that you felt understood and that your questions were answered throughout your experience with Beyond Finance.
— The Client Success Team at Beyond Finance

Reviewed Aug. 13, 2026
Great resource if life comes at you unexpectedly. The representative was courteous, knowledgeable, and extremely professional. The steps were broken down and made to look simple. A great way to reset your financial situation.
Reviewed Aug. 11, 2026
Very helpful in finding the right plan for us. Excited about our future!!!
Reviewed Aug. 11, 2026
I had the pleasure of talking with a representative name Cynthia. She was amazing and able to solve my debt issue.
Thank you for sharing your positive experience! We're so grateful to hear that Cynthia was able to provide you with the support you needed to address your debt. Helping clients like you work toward financial freedom is what drives our team at Beyond Finance every day.
— The Client Success Team at Beyond Finance
Reviewed Aug. 8, 2026
Your company was great to me, very helpful to understand. Thanks.
Thank you for your kind words! We're so happy to hear that you found our team helpful and that your experience with Beyond Finance provided the understanding you needed.
— The Client Success Team at Beyond Finance
Reviewed Aug. 7, 2026
He was awesome. I think his name was Andy. I would highly recommend him to anyone he needs a loan.
Thank you for your kind words about Andy! We're so grateful to have dedicated team members like him, and your recommendation means a lot to us as we work together to help clients achieve their financial goals.
— The Client Success Team at Beyond Finance

Reviewed Aug. 6, 2026
My experience with Ashley was phenomenal. She was a great representative of the organization and couldn’t be more helpful in my situation. I felt like she handled my case with confidence and care and explained all the necessary detail details that I needed to know in order to make a smart and wise decision. I would absolutely recommend this service to anyone that is in need of debt consolidation and or seeking financial relief.
Thank you for sharing your positive experience with Ashley! It's wonderful to hear that her confidence and care made such a difference for you, and we’re excited to have been part of your journey toward financial freedom at Beyond Finance.
— The Client Success Team at Beyond Finance

Reviewed Aug. 6, 2026
I appreciate the level of service Accredited-Beyond performs. This can be a very stressful decision however their process is well-structured and defined and is easier to go through with staff that understands and can explain things well.
Thank you for sharing your experience! We're so pleased to hear that our team members provided the support you needed during this important decision, making the process feel well-structured and manageable. Your journey toward financial freedom is our priority at Beyond Finance, and we’re excited to be part of it.
— Beyond Finance

Reviewed Aug. 6, 2026
I felt desperate and trapped under debt that no one cared if I could still manage or not. Then I found Beyond. Less than 24 hours later, the anxiety is gone. I now have a monthly payment I can afford, and a payoff date that is reasonable. I am no longer on the cusp of having zero financial cushion. The people who helped me will forever have my gratitude. Thank you Beyond, for helping a disabled woman manage debt when no friend, no family member even bothered to check on me since November 2025. I am grateful for agencies willing to help people just like me.
Thank you for sharing your heartfelt experience with us. Knowing that your journey with Beyond Finance has brought you peace of mind and a manageable path forward is incredibly rewarding for our team. We’re so glad to have been able to support you during this time, and we'll be sure to pass along your kind words to our team members who assisted you.
— The Client Success Team at Beyond Finance
Reviewed Aug. 5, 2026
Jonathan has been super helpful so far. I’ve been stressing about these debts, and after my first two meetings with Jonathan, I slept good for the first time in months last night.
We're so happy to hear that Jonathan has been such a supportive presence for you during this challenging time. Knowing that your experience with Beyond Finance has brought you peace of mind means everything to us, and we're excited to help you on your journey toward financial freedom.
— The Client Success Team at Beyond Finance
Reviewed Aug. 4, 2026
Was fast, thorough and easy, everyone did a fantastic job
Thank you for your kind words! We're so happy to hear that your experience with Beyond Finance was fast and thorough, and that our team members provided you with fantastic support. Your success is what motivates our team every day as we help clients like you work toward financial freedom.
— The Client Success Team at Beyond Finance

Reviewed Aug. 4, 2026
I signed up for Beyond Finance with one creditor I needed help with. The account has been paid on time for over six years, but never seemed to get paid down any. It was my failsafe credit card during the Covid shutdown, and yeah, the balance was maxed out. Beyond Finance instructed me to stop paying and stop communicating with my cc company. They needed it to go to collections before they could make a settlement offer. Their eventual settlement came to the sam amount I owed, but now with bi-weekly payments 10x higher than I paid before, with the added fees that went to beyond finance for "settling" it. Then, beyond finance somehow managed to sent each any every payment to the wrong company.
It took over 9 months of arguing with Beyond Finance's customer service to make them realize how they were paying someone else with my account. Oh, and each and every customer service representative I talked to, (about 27 different reps from when I started counting and writing down names), each one gave me different information than the others, gave different instructions on how I had to handle the problem, each claimed the last rep I talked to would never have given me the advise they did, refused to acknowledge they were in the wrong, never took accountability for their severe mishandling of my account, and never fixed the problem they created. This resulted in me getting sued by my credit card company.
Beyond Finance, when I initially signed up, stated in the 'rare and unlikely event' that I got sued, stated they had a team of lawyers who would handle such a situation. Their 'team of lawyers' drafted me a response to the lawsuit that was basically a statement saying I throw myself on the mercy of the court to dismiss this lawsuit. No one from their 'law team' ever contacted me, and never did a single thing else to help with the lawsuit their incompetent company caused. The thousands of dollars they had paid to the wrong company has never been recovered, and since they had to go to court, beyond finance decided they needed to drop the account from their system since they weren't handling it anymore.
So for all my effort, beyond finance cost me thousands of dollars that no one knows what happened to or how to track it down, got me sued by the one account I asked them to help me with, and failed on each and every promise they made to get me to sign up with them, and ultimately dropped my account because after taking thousands of dollars that has apparently disappeared and got me sued, they 'couldn't do anything else.'. This place is a scam company. Not a single person in customer service knew anything outside of the script they have to read, and take no accountability for the problems they created. I wish I had never heard that f that s company. I'm in a far worse position now after using them than I ever was in before.
We acknowledge your concerns and are sorry to hear about your experience. Here at Beyond Finance, our goal is to always provide thorough and clear communication to our clients and we regret to know that we missed the mark with your interaction. While the possibility of legal action exists, it is quite rare, historically impacting only 1-2% of enrolled accounts. Please reach out to clientsuccess@beyondfinance.com or 800-282-7186 to discuss your concerns with us directly.
— Beyond Finance
Reviewed Aug. 4, 2026
I was very hesitant to go forward with asking for debt assistance. I have been between a rock and a hard spot for several years. My only relief that I could see was to file for bankruptcy. After talking with Jackie **, I felt a bit better but still very concerned. Jackie's confidence in the process has eased my hesitation a great deal. She has been very comforting and confident that relief was close at hand. Thank you, Jackie for your kindness, professionalism, and true concern for my financial situation.
Thank you for sharing your experience! We're so glad to hear that Jackie was able to provide you with the confidence and comfort you needed during this challenging time. Your journey toward financial freedom is important to us, and it's rewarding to know that our team at Beyond Finance is making a positive impact in your life.
— The Client Success Team at Beyond Finance
Reviewed Aug. 3, 2026
I felt confident I was making the best decision. Antonio was knowledgeable and he seemed too truly care about my situation.
We're so glad to hear that you felt confident in your decision and that Antonio provided you with the knowledge and care you needed. Feedback like yours reminds our team at Beyond Finance why we do what we do—helping clients like you work toward financial freedom is what drives us every day.
— The Client Success Team at Beyond Finance

Reviewed Aug. 1, 2026
I spoke with Kevin and Angela. Both were absolutely amazing. They were both very knowledgeable and caring. They explained the whole process and made everything very easy to understand.
We’re delighted to hear about your positive experience with Kevin and Angela! Our team at Beyond Finance is dedicated to providing clear and compassionate support to help you navigate your journey.
— The Client Success Team at Beyond Finance

Reviewed Aug. 1, 2026
I was really hesitant about going into a debt relief program because I did not understand how they work and was so worried that I would end up with a scammer. I finally was at my wits' end and decided to take the risk. I am SO GLAD I did! I applied through the New Mexico Debt Relief program, and they use Beyond Financial (Accredited). Every person I have dealt with at Beyond Financial has been very kind, patient, knowledgeable, honest, and caring. They have eased my fears and explained every aspect of how this program works. I am finally going to be debt-free, and that feels AMAZING!
We’re happy to hear that you took the leap and chose to work with our team at Beyond Finance! It’s wonderful to know that our representatives were able to provide the support and clarity you needed.
— Beyond Finance

Reviewed July 31, 2026
The process was super easy, everything was explained plainly, and the representative was honest, and empathetic to my situation, I truly felt he really wanted to help me get back on the right financial track.
Thank you for your kind words! We're so glad to hear that your experience with Beyond Finance was smooth and supportive, as helping clients like you get back on the right financial track is what drives our team every day!
— The Client Success Team at Beyond Finance

Reviewed July 31, 2026
Working with my debt specialist was a great experience! He walked me through every step of the process, was very patient with me and all of my questions. There was no hard sell and he gave me space to make my decisions and even offered up some tips to make this a better experience. All in all, I am glad I decide to go with Beyond Finance!
It's wonderful to hear that your experience with your representative was so positive! Knowing that you felt supported every step of the way is what drives our team at Beyond Finance.
— The Client Success Team at Beyond Finance
Reviewed July 31, 2026
I think someone should give that man a raise. This a was hard for me but it he waved me into the process and I'm please with the service.
Thank you for recognizing the support you received! We're so glad to hear that our team member made your experience with Beyond Finance a positive one.
— The Client Success Team at Beyond Finance

Reviewed July 30, 2026
Very informative. They took the time to explain my options. Provided choices and allowed me to make an informed decision. They also took the time to educate me on the best way to succeed and avoid issues and bad habits in the future.
Thank you for your wonderful feedback! We're so glad to hear that our team took the time to educate you and provide you with the information you needed to make informed decisions on your journey to financial freedom!
— Beyond Finance
Reviewed July 30, 2026
They helped me save over 100k in interest. They are amazing people.
We're so glad to hear that you've saved on interest! Helping clients like you work toward financial freedom is what drives our team at Beyond Finance every day.
— The Client Success Team at Beyond Finance
Reviewed July 30, 2026
A wonderful experience we feel has saved our lives. My husband's health was critical, and we were pretty scared about everything; Brandon was wonderful to us. We feel like we have a new family member. He was kind and followed up and was a good educator, and just an amazing experience.
We’re so happy to hear that your experience with Beyond Finance has had such a positive impact on your life, especially during such a challenging time. We'll be sure to pass along your kind words to Brandon—feedback like yours reminds our team why we do what we do!
— The Client Success Team at Beyond Finance

Reviewed July 30, 2026
Very courteous and professional. She took me through each step to set up my account.
Thank you for your kind words about your experience with Beyond Finance! We're so glad to hear that our team member provided courteous and professional support while guiding you through the setup process.
— The Client Success Team at Beyond Finance
Reviewed July 30, 2026
Everyone was so thoughtful and empathetic with my plight
Thank you for sharing your kind thoughts! Knowing that our team at Beyond Finance provided you with empathy and support during your journey means a lot to us.
— The Client Success Team at Beyond Finance

Reviewed July 28, 2026
So far I've had a good experience! The person I talked with was very nice and reassuring. They talked me through everything and have been great about all of the follow-up questions that I've had.
We're so happy to hear that you've had a positive experience with your representative! Providing reassuring support and thorough follow-up is what we strive for at Beyond Finance, and we're excited to be part of your journey!
— The Client Success Team at Beyond Finance

Reviewed July 28, 2026
I'm just getting started but the initial interview and process was very helpful and comforting. I know with this program I will be able to eliminate debt and save more. My anxiety has already been reduced by signing up.
Thank you for sharing your experience! We're so glad to hear that your initial steps with Beyond Finance have brought you comfort and reduced anxiety as you work toward financial freedom.
— The Client Success Team at Beyond Finance

Reviewed July 28, 2026
So far makes a world of difference in how I can handle my debt without constantly worrying. Wonderful customer service.
We’re so glad to hear that your experience with Beyond Finance has alleviated your worries about debt! Providing exceptional support is a priority for our team, and your feedback truly motivates us!
— The Client Success Team at Beyond Finance
Reviewed July 25, 2026
Matthew was amazing in explaining how everything works and what to expect.
Reviewed July 25, 2026
Very friendly. Marcus explained clearly how his company could help me reduce my debt. He was a good listener and took time to ascertain all the facts about my Debts.
Thank you for your kind words! We're so glad to hear that Marcus provided you with clear guidance and took the time to understand your unique situation—it's all part of our mission at Beyond Finance to support you on your journey to financial freedom!
— The Client Success Team at Beyond Finance

Reviewed July 24, 2026
The process was easy and the staff knowledgeable. All my questions were answered and put my mind at ease. I see blue skies going forward.
We're so glad to hear that your experience with Beyond Finance was smooth and that our team members were able to provide the support you needed! Knowing that you feel more at ease and see a brighter future ahead is what drives our mission.
— The Client Success Team at Beyond Finance
Reviewed July 23, 2026
Very nice, professional people and really want to help people get debt free.
Thank you for your kind words! Our team at Beyond Finance truly cares about helping clients like you work toward a debt-free future. Your success is what motivates us every day!
— The Client Success Team at Beyond Finance

Reviewed July 23, 2026
Very pleased with this company. Made me feel confident and less stressed about my bill getting paid
We're so glad to hear that your experience with Beyond Finance has helped you feel more confident and less stressed about your bills! Knowing that our efforts are making a positive impact on your financial journey means a lot to us.
— The Client Success Team at Beyond Finance

Reviewed July 21, 2026
S/O to Mr Yashau (I hope I spelled it right) & Mr Shane. Made it easy and helped me with a plan that fits me.
Thank you for your kind words! We're grateful for your recognition of Yashau and Shane. They truly embody our mission at Beyond Finance to help clients build their personalized path toward financial freedom.
— The Client Success Team at Beyond Finance
Reviewed July 20, 2026
Great experience, upfront and very easy to understand.
Hi J,
Thank you for your kind words! We’re so glad to hear that your experience with Beyond Finance was clear and straightforward. Helping clients like you navigate their journey to financial freedom is what drives our team every day.
— The Client Success Team at Beyond Finance

Reviewed July 18, 2026
This was the most professional, courteous and respectful interaction I have ever had with a financial advisor or company. All my concerns were heard and accepted and I was never rushed or pressured. I feel empowered to make a positive change with the help of experts who are invested in my success.
Thank you for sharing your experience with us! We’re so pleased to hear that you felt heard and respected throughout your journey, and that our team members made you feel empowered as you work toward positive change. Your success is what motivates our team at Beyond Finance, and we’re excited to be part of your path to financial freedom.
— The Client Success Team at Beyond Finance

Reviewed July 16, 2026
It hasn’t been 24 hours yet, but I am glad I did it. My Rep. was super nice, knowledgeable, and had empathy for my situation. He was a great help in answering all my questions and when I would say “but” he was right there to explain the pros ands cons of the either one small question or the entire situation. He didn’t rush me, and was very understanding of my hardship, never made me feel like I was dealing with a used car dealer. It has been months I have been looking for a solution and with their accreditations last night I finally got help!
Thank you for sharing your experience with us! We're so glad to hear that your representative was understanding and supportive during your journey. Your success is what motivates our team at Beyond Finance, and we're excited to be part of your path to a debt-free future.
— The Client Success Team at Beyond Finance
Beyond Finance Company Information
- Company Name:
- Beyond Finance
- Address:
- 222 N. La Salle St., Ste. 1600
- City:
- Chicago
- State/Province:
- IL
- Postal Code:
- 60601
- Website:
- www.beyondfinance.com
