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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.

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

Beyond Finance Reviews

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    Page 2 Reviews 35 - 65
    Profile pic of the author.
    Staff

    Reviewed July 15, 2026

    I had a friendly and helpful experience! Thank you!

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Kim,
    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

    Profile pic of the author.
    Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaffBillingRates

    Reviewed July 15, 2026

    I have had a very bad experience with Beyond Finance. It has been over one year and seven months, and they still haven't resolved the debt for two of my three credit card balances. I initially had to consolidate because my husband had to go into a nursing home, and I had to pay out of pocket. At the time, Beyond Finance told me it would take roughly 3 months to get offers. I received one offer in three months, but what they failed to tell me is that you are only guaranteed to receive one offer in three months, and the other offers won't come for years down the line.

    Because of the wait, I can't even switch mobile phone companies or look for new car insurance, as my credit rating is so low and it isn't improving. I have a professional occupation, and this whole thing has been a nightmare. They said to get in touch with them if I want to speed the process up; however, when I chat with them, they say I have to contribute more money, which is not feasible with only one working parent. I have received offers already from the credit card companies, so I am not sure why this isn't resolved with Beyond Finance. I am absolutely devastated by this experience.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance

    Dr. Sara,

    It's important to clarify that while we strive to provide effective solutions, timelines can vary based on individual circumstances. Please know that our clients typically see their financial health fully recovered before the end of their program.

    Additionally, any recommendations we make are based on our years of experience and what we believe is the best path forward for each client's individual program. Please reach out to clientsuccess@beyondfinance.com or 800-282-7186.

    Billing

    Reviewed July 11, 2026

    Good experience so far trying to reduce debt from credit cards.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Robbert,
    We're so glad to hear that you're having a positive experience as you work on reducing your credit card debt. Helping clients like you take control of their financial future is what drives our team at Beyond Finance every day.

    — The Client Success Team at Beyond Finance

    Staff

    Reviewed July 10, 2026

    Great Service and professional. Enjoyed the information received.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Rickey,
    Thank you for your kind words! We're so pleased to hear that you found your experience with Beyond Finance to be informative and professional. Your success is what motivates our team every day.

    — The Client Success Team at Beyond Finance

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    Staff

    Reviewed July 9, 2026

    Christopher was amazingly patient and professional. Thank you for making this difficult decision a pleasant one.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Annie,
    Thank you for sharing your experience! We're so happy to hear that Christopher provided you with the support you needed during this important decision. 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

    Profile pic of the author.

    Reviewed July 8, 2026

    I was treated with kindness and respect. I am hoping it stays wonderful.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Ruby,
    Thank you for sharing your experience! Knowing that you felt treated with kindness and respect reinforces our mission at Beyond Finance to provide a supportive environment for our clients. We're excited to be part of your journey toward financial freedom!

    — The Client Success Team at Beyond Finance

    Profile pic of the author.
    Customer ServicePunctuality & SpeedStaffBillingEase of UseRates

    Reviewed July 7, 2026

    ​Thank you, Working with Beyond Finance was an incredible experience. From the very beginning, their customer service team was empathetic, knowledgeable, and truly dedicated to helping me get my finances back on track. They carefully explained the process of negotiating with my creditors and worked diligently to secure lower payments that made a real difference for me. Thanks to their support, I feel much more in control of my financial future. I wanted to add to my experience information about your App Beyond Finance. It's a 20 star rating. The program is fast, with a long list of resources needed for communication with client and company, it's also user friendly....

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Deborah,
    Thank you for sharing your wonderful experience with our team at Beyond Finance! We're so glad to hear that our representatives provided you with empathetic and knowledgeable support, and that you now feel more in control of your financial future. Your feedback about the app means a lot to us, and we’re excited to continue helping you on your journey to financial freedom.

    — The Client Success Team at Beyond Finance

    Profile pic of the author.
    Staff

    Reviewed July 6, 2026

    Very informative and helpful. Was able to answer my questions. Very relatable.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi David,
    Thank you for your kind words! We're so glad to hear that your experience with Beyond Finance was informative and that our team members were able to relate to your needs. Your success is what motivates our team every day.

    — The Client Success Team at Beyond Finance

    Profile pic of the author.
    StaffBilling

    Reviewed July 5, 2026

    The personnel is very knowledgeable and helping with what you need help for. I don’t push you. They just help you and you make your own decisions to rebuild your life back away from credit cards.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi,
    Thank you for sharing your experience! We're so glad to hear that our knowledgeable team members provided the support you needed while allowing you to make your own decisions on your journey to financial freedom.

    — The Client Success Team at Beyond Finance

    Profile pic of the author.
    Staff

    Reviewed July 5, 2026

    I didn't feel ashamed for getting help. They made me feel heard and understood

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    Beyond Finance
    Response from Beyond Finance
    Hi Jeremiah,
    We're so glad to hear that you felt heard and understood during your experience with Beyond Finance. Part of our mission is to help clients like you begin their journey to a debt-free future without shame.

    — The Client Success Team at Beyond Finance

    Customer ServicePunctuality & SpeedStaffTransparency

    Reviewed July 4, 2026

    I've only just started the program but I've already the burden be lifted from my shoulders. I noticed something was missing from my report and the team worked late in the Friday night of a holiday weekend making sure it was updated and sending me multiple emails to ensure it was handled. I'm truly blessed to have their assistance and have no doubt that this will end with a positive outcome for my family and myself. By time we were done setting everything up I already recommended them to a close friend of mine. Can't wait for this journey to be done and be debt free!!

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Amanda,
    Thank you for sharing your experience! We're so glad to hear that you already feel a sense of relief and that our team went the extra mile to support you. Your dedication to becoming debt-free is inspiring, and we’re excited to be part of your journey toward financial freedom.

    — The Client Success Team at Beyond Finance

    Staff

    Reviewed July 2, 2026

    I spoke with Lisa and she was the kindest friendliest person I’ve spoken to in a long time. She explained everything to me and how to make my finances work and I greatly appreciate it. She never talked down to me. She never made me feel uncomfortable. Thank you, Lisa for all your help.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Janet,
    Thank you for sharing your experience! We're so grateful to hear that Lisa provided you with such friendly and supportive guidance. Feedback like yours reminds our team at Beyond Finance why we do what we do.

    — The Client Success Team at Beyond Finance

    Staff

    Reviewed June 30, 2026

    I was referred to Beyond Finance by Accredited Debt Relief so I could more easily manage my debt. The enrollment process was easy and straightforward and the personnel with whom I worked were patient and very professional in walking me through the necessary steps. I look forward to financial freedom in the near future.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Maryann,
    Thank you for sharing your experience! We're so glad to hear that the enrollment process was easy and that our team members provided you with the support you needed. Your journey toward financial freedom is important to us, and we look forward to being part of it.

    — The Client Success Team at Beyond Finance

    Profile pic of the author.
    Staff

    Reviewed June 28, 2026

    The people are very kind and understanding, willing to explain the process with no shame given.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Sonya,
    Thank you for sharing your experience! We're so glad to hear that our team members made you feel supported and understood throughout your journey. Helping clients like you work toward financial freedom is what drives our team every day at Beyond Finance.

    — The Client Success Team at Beyond Finance

    Reviewed June 27, 2026

    I feel so much better today. It really gives you complete relief.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Kathleen,
    We're so delighted to hear that your experience with Beyond Finance has brought you such relief. Knowing that you're feeling better means everything to us, and we're here to support you on your journey toward financial freedom.

    — The Client Success Team at Beyond Finance

    Profile pic of the author.
    Customer ServiceStaff

    Reviewed June 26, 2026

    First off, customer service is awesome! The representative I spoke with, Kole, was patient, helpful and informative. He answered all my questions with clarity and I was able to find the best option available for my situation.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Anthony,
    Thank you for your kind words! We're so pleased to hear that Kole provided you with the support and clarity you needed to find the best option for your situation. 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

    Profile pic of the author.
    StaffHonesty & Transparency

    Reviewed June 24, 2026

    Very friendly, honest and knowledgeable. Would recommend to anyone.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Ken,
    Thank you for your kind words! We're so happy to hear that you found our team friendly and knowledgeable. Your recommendation means a lot to us, and we’re excited to help more clients like you on their journey to financial freedom.

    — The Client Success Team at Beyond Finance

    Profile pic of the author.
    Staff

    Reviewed June 23, 2026

    Beyond Finance was so helpful and understanding, I would highly recommend them!!

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Gina,
    Thank you for your wonderful feedback! We're so glad to hear that you found your experience with Beyond Finance to be helpful and understanding. Your recommendation means a lot to us!

    — The Client Success Team at Beyond Finance

    Staff

    Reviewed June 22, 2026

    The woman I spoke to was very kind and took a lot of time to answer all my questions.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Gina,
    Thank you for your wonderful feedback! We're so glad to hear that you found your experience with Beyond Finance to be helpful and understanding. Your recommendation means a lot to us!

    — The Client Success Team at Beyond Finance

    Profile pic of the author.
    Staff

    Reviewed June 21, 2026

    Brandon was awesome - very helpful, compassionate and knowledgeable.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Judy,
    We're so happy to hear that Brandon provided you with such compassionate and knowledgeable support. Feedback like yours reminds our team at Beyond Finance why we do what we do.

    — The Client Success Team at Beyond Finance

    Profile pic of the author.

    Reviewed June 20, 2026

    A good option for otherwise responsible persons to get out of a pickle!

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Gloria,
    Thank you for your kind words! We're so glad to hear that you found your experience with Beyond Finance to be a valuable option. Helping clients like you work toward financial freedom is what drives our team every day.

    — The Client Success Team at Beyond Finance

    Profile pic of the author.
    Contract & TermsPriceRefunds & PayoutsStaffBilling

    Reviewed June 20, 2026

    I enrolled with Beyond Finance because my Discover payment had become too expensive and I was looking for help getting the debt under control. What I don’t remember being clearly explained is that I would have to stop paying my creditor and that there was a real possibility I could be sued during the settlement process. Had I fully understood that risk, I may have made a different decision. As time went on, Beyond repeatedly contacted me saying Discover was considering legal action and that I needed to increase my payments to around $400 per month. I was working two jobs at the time to keep up with everything. Then I lost one of those jobs and could no longer afford the payment amount they were requesting.

    I continued making payments into my dedicated account while trying to negotiate a more affordable arrangement with Beyond. Those discussions went on for a couple of months after a previous negotiation fell through. Eventually, I was served court papers and sued by Discover. I had to go to court and ended up owing legal fees on top of the debt. While I was there, Discover’s attorney told me they had not received any payments for more than six months. This was shocking because I had continued making payments into my dedicated account every month, even if some of those payments were smaller due to my financial situation.

    At that point, there was more than $1,000 sitting in my dedicated account, yet none of that money had gone to Discover during those six months. What frustrates me most is that after being sued, paying legal fees, and dealing with all of this stress, Beyond Finance still expects me to pay an additional $300 in negotiation fees on top of the approximately $600 I have already paid them. I asked them to waive those fees given the circumstances, and they refused. My experience was stressful, expensive, and left me feeling like I wasn’t fully informed about the risks involved. I would strongly encourage anyone considering debt settlement to ask detailed questions about lawsuits, creditor payments, and exactly what happens to the money being deposited into your dedicated account.

    Thanks for your vote!
    Customer ServiceStaff

    Reviewed June 18, 2026

    Very caring people. They were extremely professional throughout the process. I am glad I called.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Charles,
    Thank you for your kind words! We're so happy to hear that you found our team to be caring and professional throughout your experience with Beyond Finance. Your journey to financial freedom is important to us, and we appreciate you trusting us to be part of it.

    — The Client Success Team at Beyond Finance

    StaffTimeliness

    Reviewed June 17, 2026

    Artemis ** spent at least three hours with my husband and myself sharing multiple solutions to our financial situation. We had many, many questions, which he answered in a detailed and understandable way. His patience with us was incredible. He touched base the next day and offered an open door to connect with him personally, too.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Robert,
    Thank you for sharing your experience! We're so glad to hear that Artemis took the time to patiently address all your questions and provide you with multiple solutions. Feedback like yours reminds our team at Beyond Finance why we do what we do.

    — The Client Success Team at Beyond Finance

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    Staff

    Reviewed June 17, 2026

    Everyone at Accredited/Beyond have been nothing except professional, forth coming, and helpful. They have all been informative, supportive, and non-judgmental. I would recommend them to anyone who needs their services. I am looking forward to working with them further.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Pam,
    Thank you for sharing your experience! It’s wonderful to hear that our team at Beyond Finance has provided you with the support and information you needed. We’re excited to continue working with you on your journey toward financial freedom.

    — The Client Success Team at Beyond Finance

    Staff

    Reviewed June 16, 2026

    Brenda was very helpful in meeting all my needs and getting me approved for onboarding financial assistance. She was very professional and informative. I felt she understood my situation and was empathetic to my problems.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Jasmine,
    Thank you for sharing your experience! It’s wonderful to hear that Brenda was able to provide the support you needed with such professionalism and empathy. Feedback like yours reminds our team at Beyond Finance why we do what we do.

    — The Client Success Team at Beyond Finance

    Punctuality & Speed

    Reviewed June 15, 2026

    I am still waiting to see how it goes, I do not like giving my opinion until I see it working.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi James,
    Thank you for sharing your thoughts! We appreciate your patience as you begin your journey with Beyond Finance, and we're here to support you every step of the way.

    — The Client Success Team at Beyond Finance

    Profile pic of the author.
    Staff

    Reviewed June 15, 2026

    Very personable and friendly to talk to! Easy to do!

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Kat,
    Thank you for sharing your experience! We're so glad to hear that you found your interactions with our team to be personable and friendly. 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

    Punctuality & SpeedStaff

    Reviewed June 15, 2026

    They help you and explain everything to you. Answer all questions. Make everything easy and fast. 10/10.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Turo,
    We’re so happy to hear that our team made your experience smooth and informative. Providing clear support and guidance is a key part of our mission at Beyond Finance, and your feedback truly motivates us.

    — The Client Success Team at Beyond Finance

    Staff

    Reviewed June 14, 2026

    Thank you for everything George **. You are amazing and great at your job. You were there every step of the way. Had all the answers to my questions too. I will refer everyone to you. Thank you again.

    Thanks for your vote!
    Beyond Finance
    Response from Beyond Finance
    Hi Athena,
    We’re so grateful for your kind words about George! Knowing that you felt supported every step of the way reassures us that our mission at Beyond Finance is making a difference. Thank you for sharing your experience!

    — The Client Success Team at Beyond Finance

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    Beyond Finance Company Information

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