Last Updated: 05/14/2025
SuperMoney User Recommendation Score +84
Strongly recommended311 total votes
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Highlights
Community Rating
Strongly recommended
Minimum Debt Owed
$10,000
Settlement Fee %
15% - 25%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 06/21/2024)
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Number of Reviews
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
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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.
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Message from Beyond Finance
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