Beyond Finance Ratings and Reviews

The customer service was very great. The entire process was painless and I felt that the representative who helped me was very knowledgable and actually cared about my well-being in the matter. Communication is 100% excellent with this company. The respond to all of my texts in a very timely manner. Wonderfully, perfect. I would not change a thing about that. Overall I am satisfied with my settlement agreements so far. I have 3 total and so far one has been accepted. I am so happy to be receiving this help at such an affordable price. My biweekly payments are beyond affordable and I have the option to customize to pay my debts off even faster at a rate that I can choose from/will be affordable for me. This is the greatest help I've ever received in this matter. I am so glad that I heard about them on the Rickey Smiley morning show. If you’re wondering if you should consolidate your debt and if you should use Beyond Financial to do it, I highly recommend it.

Thanks for your amazing feedback, and congratulations on moving beyond debt! We are glad to hear that our program is working for you and that you've been having such a fantastic time working with our team.

During your program, keep track of your progress by viewing your program online [https://www.beyondfinance.com/] or by contacting us with questions at clientsuccess@beyondfinance.com or 800-282-7186. We’re here to help.

Thanks,

Client Success Team at Beyond Finance

Wow! Totally saved my life, my ex fiancé(malignant narcissist) maxed out both of my credit cards without my knowing and left me with 20,000 extra in debt on top of starting a company (“for us”) which I forked 50,000 into. He left with all the equipment I bought and left nothing for me in the bank and all this debt I was paying 28% Interest rates. I felt overwhelmed and paralyzed. Beyond finance gives me the peace of mind I deserve to have! I’ve been making my two payments a month of 250 and on time.
The customer service is EASY to reach! Very knowledgeable and helpful person will always be there for my questions. I’m able to feel in control again! If you’re experiencing high interest and more debt than you know what to do then I couldn’t recommend this option more! App is great and easy to navigate as well. One more time the customer service is the absolute best! So easy to talk to a human! Forever grateful!

Hi Cierra!

Congratulations on taking control of your finances and thank you for the wonderful review! We thrive on this kind of feedback and are thrilled that our program helped you achieve your financial goals.

Thanks for choosing Beyond Finance.

- Client Success Team at Beyond Finance

I am deeply in debt . With the economy crashing , skyrocketing prices , Covid etc I got behind which is something that has never happened to me . I joined this program . Enrique , the gentleman who signed me up , kept telling me .. trust the process ..you did not get into debt over night and you won’t get out of debt overnight .. he has been exceptional , talking me off the fence multiple times .. I now have 2 cards in settlement which feels amazing .. I know beyond takes 25 percent per each settlement which annoyed me at first . After looking at how much interest I would of paid on my cards , in the long run , the percentage beyond takes no longer bothers me . Being debt free is in my future ! I also don’t have to deal with the creditors and try to make deals myself . My credit score took a hit , but it will rebound . Beyond has also taught me how to budget and live life without swiping the plastic card . I am a pleased customer .

We’re so happy to hear about your positive experience with our team and our program! It’s our absolute favorite thing to see our team’s efforts pay off in real time. Your progress is not only a testament to our program, but your steadfast dedication to making your monthly deposits! You earned this!

Client Success Team at Beyond Finance

This company has good intentions and good people, but they are way too unrealistically optimistic. I have gotten a huge sense of false advertisement. I was told that best case scenario, my debt would be reduced prior to being settled. Ok cool whatever. The problem comes in when they weren’t able to even settle ANY of my accounts. So they offered me a personal loan for consolidation from Above Lending (high interest rate mind you…) decorated and sugarcoated as a “graduation loan for having a good payment record.” It was nothing but a disguise for Beyond’s inability to settle my accounts. Ok cool whatever. The part that really got me is when I tried settling my last account. I WAS PROMISED that the fees and interest from these creditors (since Beyond advices you to quit making payments upon starting the program) would NOT have to be paid. Turns out that I have to pay even MORE than the agreed upon amount. I understand that it’s ultimately up to the creditor, but this company is very much at fault of UNREALISTIC OPTIMISM that toys with the line of FALSE ADVERTISEMENT. All in all, there are better and more wise methods of debt settlement. I strongly advocate against this company’s debt settlement program.

We appreciate you sharing your concerns. We are sorry to hear that your experience did not live up to your expectations. Our team is dedicated to helping our clients resolve debts as quickly as possible while saving them money and time. Typically, program participants receive their first settlement offer within their first 3-6 months in the program, but depending on various circumstances it can take longer. We enroll debts with confidence, based on our years of experience, that we can resolve them. The Above Lending graduation loan, offered by our partner, is a debt consolidation loan option for those of our clients who would prefer to finish their programs early and build credit with a loan, instead. However, there are benefits to both options and our clients may choose to remain in the program and work on settling their debts. Please reach out at clientsuccess@beyondfinance.com or 800-282-7186 to further discuss your experience.

I was a mess with worry about my financial status. I wasn’t sleeping well because of my debt. I saw an add about taking stress off of me and put into the company. I thought yeah, right! I took the number down. A couple days later, I came across the name and number of the company. I thought, it can’t be worse than the state I’m in right now. Larry called me. After about 5 minutes, I was feeling the weight of all the stress leaving me. Larry put me right at ease. He was kind, professional, easy to talk to and understand. He even put some humor in the mix! I kept waiting for the catch. There wasn’t one. The “paperwork” was quick, easy, and painless. The company is wonderful! All goes just like they said it would. They deal with the company, they get a proposal of settlement, send to me asking if i accept the proposal and then that’s it! Everyone I have talked with has been fantastic! Thank you Beyond Finance!!!

Thank you for sharing your experience with our program! We thrive on this kind of feedback and are absolutely thrilled that our program is helping you deal with financial stress and take steps toward financial freedom!


- Client Success Team at Beyond Finance

Beyond Finance has been amazing throughout the whole process. Very informative and helpful with all my questions. Just after a year of deposits into my dedicated accounts they have helped me in negotiating my debt with two companies. It is scary at first because your credit does drop but once the settlements are completed you will see the raise in credit after a certain time period. I was able to graduate to a loan with their sister company to help pay the debt off faster and therefore my biweekly payment only raised maybe 30$ to pay the loan vs depositing into the dedicated account. This definitely sped up the process and 1 of 2 of my debts have been completed and the 2nd one is in negotiation. Thank you Beyond for helping me settle my debt!

Thanks for the positive feedback, and congratulations on moving beyond debt! Our goal is to get our clients back on track financially, and we’re so happy our program is helping you accomplish that.

- Client Success Team at Beyond Finance

Being young and reckless got me into $14k in credit cards debt within 3 years. Never again will I get a credit card lol. But I had no idea how I was going to pay this off and it was a constant stress on my mind. Beyond eliminated that stress for me. They are so incredibly helpful not just initially, but anytime along the way they are there to answer your questions. I started in July with a total of 6 accounts. Now it’s October and I have settled and I just got notified that another account in the process of being settled! I recommended my brother to this and he is so happy he did it as well. I will recommend this to anyone! THANK YOU A MILLION TIMES.

If you are struggling with debt, do yourself a favor and give them a call! You won’t regret it.

Hi there-

Thank you for sharing your experience. We understand the financial burdens that our clients experience and we are thrilled to hear that you us. Our team is here to support you towards a better financial future. —Client Success Team at Beyond Finance

Beyond Finance has been great. When I call there are no long hold times. They explained everything crystal clear. Honestly I found myself nervous to go on this journey just because there’s so many scammers out there but I’m very happy with the service they have provided. When they reached a resolution with one of my creditors they called, text AND emailed within 1 mean of each other. Just a word of advice to those about to sign up with them, be patient. I know for me I would check everyday and get a little anxious because they weren’t resolving my debt in my time frame but trust me THEY ARE working on it just be patient. =)

The fact that you had such a great experience with our Client Success team is music to our ears! It’s vital to us that our team is able to be there for you in a way that makes you feel comfortable, supported and fully informed. Thanks for letting us know that we’re on the right track! - Client Success Team at Beyond Finance

It’s been a bit of a slow start, but I am seeing Debt being paid off. The rep I am working with was very upfront about how the program works, and all has gone as expected. I have a little while to pay everything off but I am seeing steady improvement
Update- I’m seeing good improvement in my credit score and I am seeing accounts paid off. My credit did initially take a little dip but actually came up quickly. I still have a big chunk of debt to pay off but overall it has been great having a team be my voice and negotiate. It’s a slow process but it’s working.

Thanks for the great feedback! We are glad to hear that our program is working for you. People seeing real results is what it’s all about.

Thanks,

Client Success Team at Beyond Finance

I was drowning in credit card debt and medical bills and spending almost every paycheck only making minimum payments on trying to pay off the debt. I knew something had to change so I took a leap and signed up for a debt relief program.

From the beginning I knew I made the right decision. Kathy was extremely helpful and answered all my questions the numerous times I called her. I have only been in the program for 4 months and have already gotten 2 settlements.

Thank you Beyond for giving me the chance to start over and take control of my financial future.

Hey Kaylee-

Thank you for sharing your experience. We are thrilled to hear that you were able to find us during your time of need. Our team is here to support you, and we are excited to see your progress toward a debt-free future.

—Client Success Team at Beyond Finance