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Last Updated: 05/04/2026

Beyond Finance

from Beyond Finance LLC

Last Updated: 05/04/2026

Strongly recommended311 total votes

282 users recommend

8 users are unsure

21 users don't recommend

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Highlights

Community Rating

Strongly recommended

Minimum Debt Owed

$10,000

Settlement Fee %

15% - 25%(Verified 06/21/2024)

Disclaimer popup with additional information

Monthly Service Fee

$0(Verified 06/21/2024)

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Number of Reviews

311

Beyond Finance Review

Beyond Finance is a debt settlement company based in Houston, TX. It offers debt relief services to borrowers in 29 states (and Washington, DC). Founded in 2011, it is a well-established company that has been in business for over 10 years.

Key Takeaways

Minimum debt balance of $10,000. Beyond Finance only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies.
ACDR and IAPDA accredited. Beyond Finance is a member of the Association for Consumer Debt Relief (ACDR), which is the largest trade association for the debt settlement industry. It also employs debt resolution specialists that have been trained and accredited by the International Association of Professional Debt Arbitrators (IAPDA).
Well-established company. Beyond Finance has been in business for 15 years.
Only considers unsecured debts. Beyond Finance will only settle unsecured debts. These include credit card accounts and personal loans.
Only available in some states. Beyond Finance is only available in 29 states, and Washington, DC.

Beyond Finance Pros & Cons

Pros

Cons

Lower than average fees
No monthly consultancy fee
Has access to IAPDA accredited debt specialists
AADR member

Recommended for clients with a minimum debt balance of $10,000 or more.

Beyond Finance FAQ

What does Beyond Finance do?

Beyond Finance offers debt relief services for the following types of debt:

Unsecured debt, such as credit card debt, medical debt, and personal loans.

What does Beyond Finance charge?

Beyond Finance settlement fees typically range from 15% of the enrolled debt up to 25% of the enrolled debt, depending on state regulations.

Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with Beyond Finance for an accurate quote.

Does Beyond Finance offer a guarantee?

Yes, Beyond Finance does advertise a program guarantee and you won't be charged any fees until your debts are settled. Charging upfront fees is illegal in the debt settlement industry anyway. Check with Beyond Finance LLC for more details on their guarantee.

What is the minimum debt Beyond Finance will consider?

Beyond Finance is recommended for customers with an unsecured debt of $10,000 or more. Customers with less than $10,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.

Does Beyond Finance perform its own servicing in-house?

Yes, Beyond Finance employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.

What accreditations does Beyond Finance have?

The two main trade associations in the debt relief services space are the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).

Beyond Finance is an accredited ACDR member.
Beyond Finance is an IAPDA member.

Is Beyond Finance LLC a legit company?

Beyond Finance LLC was founded in 2011, it is a well-established company that has been in business for 15 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Beyond Finance

Our goal is to get you beyond debt, which is why we’re changing the way our industry does things. We’ve developed advanced technology that tailors an individual debt payoff plan. We are also able to offer you competitive consolidation loan options through a vast network of lenders.

Our commitment to communication is unparalleled. Your highly-trained Consultant will guide you every step of the way. You will have access to a clear, 100% transparent, step-by-step plan and all the information you need to reach a better financial future.

Contact

Headquarters

1401 Enclave Pkwy

Suite 200

Houston, TX 77077

(888) 495-4207

Visit Site

Email Support

Hours of Operation

Sunday

8:00AM - 10:00PM

Monday

8:00AM - 11:00PM

Tuesday

8:00AM - 11:00PM

Wednesday

8:00AM - 11:00PM

Thursday

8:00AM - 11:00PM

Friday

8:00AM - 11:00PM

Saturday

8:00AM - 10:00PM

Other Services by Beyond Finance LLC

Other Debt Help from Beyond Finance LLC

Accredited Debt Relief

Strongly recommended

5 reviews

Minimum Debt Owed

$20K

Settlement Fee %

15% - 25%

Disclaimer popup with additional information

Monthly Service Fee

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +84, or 4.7 on a 5-point rating scale.

+84

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Beyond Finance Community Reviews

Would you recommend Beyond Finance to your friends?

Penny F.

Mar 24, 2026

May or may not recommend

Everyone is wonderful to work with. Very knowledgeable and the service is excellent.

Jo W.

Feb 3, 2026

May or may not recommend

Very professional staff who explained everything to me in terms I could understand.

Anonymous

Dec 15, 2025

May or may not recommend

It was an unexpected experience. It was incredibly easy to talk to someone who would comprehend my situation and hardships. Knowing that I wasn't alone in my struggles was a comforting feeling. Initially, I was hesitant and skeptical. However, after speaking with the agent and understanding the entire process, I felt at ease and confident in signing up. Knowing I will be free from debts with the help of ...Show More

Nita W.

Oct 30, 2025

May or may not recommend

Wonderful. When you're under a lot of pressure with the debts that you owe they sure made it an easy transition for me

Taylor D.

Oct 24, 2025

May or may not recommend

Professional. Thorough. Patient. Great customer service. Definitely recommend! Looking forward to the end result.

Rochelle F.

Oct 6, 2025

May or may not recommend

Good communication was had with agent and myself . All done

Jonathan D.

Oct 3, 2025

May or may not recommend

The rep called me within the quoted time, was very respectful and courteous as well as very knowledgeable and informative. Answered almost all my questions before I could think to ask them, and helped make the process easy and seamless

Anonymous

Sep 5, 2025

May or may not recommend

My credit consultant was patient, knowledgeable, and pleasant to work with. He answered all of my questions, provided clear and concise details as to my options and what to expect going forward.

Vee S.

Sep 2, 2025

May or may not recommend

Very informative. Sherri was extremely professional and easy to work with.

Dean C.

Aug 22, 2025

May or may not recommend

If you want to work on becoming debt free quickly and free yourself from high interest rate, these are the people with whom you want to work! Very friendly, efficient, and professional. I highly recommend!

Marilyn M.

Aug 18, 2025

May or may not recommend

Very helpful and reassuring. Britney was professional and very understanding to what I was going through.

Anonymous

Aug 13, 2025

May or may not recommend

They care about what they do and want them help get rid of your debt!

Kent K.

Aug 2, 2025

May or may not recommend

I had already signed up with a different company that did not take all my debts for one reason or another. I contacted Beyond, and they covered everything at a better deal. I would recommend checking them out if you get in a bind with your finances.

Floyd E.

Jul 26, 2025

May or may not recommend

I like what they said and if they can do what they said, I'll be saving $200 per month.

Myrika M.

Jul 18, 2025

May or may not recommend

It went very well They catered to all my needs and started me on the right track

Megan R.

Jul 16, 2025

May or may not recommend

So helpful and have helped put my financial worries at ease

Pamela J.

Jul 15, 2025

May or may not recommend

Everyone was very knowledgeable and helpful and made me feel comfortable

Anonymous

Jun 25, 2025

May or may not recommend

The process was very easy - very professional, knowledgeable and personable.

Veronica N.

Jun 20, 2025

May or may not recommend

I had a great experience with Accredited (Beyond). Colby was incredibly efficient, professional, and helpful throughout the entire process. He made everything easy to understand and ensured that I felt supported every step of the way. I truly appreciate his responsiveness and knowledge—he made a stressful situation much more manageable. Highly recommend!

Anonymous

Jun 10, 2025

May or may not recommend

Very easy to do and they took the time to go over everything.

Showing 20 of 311 reviews