Verified
The process for getting signed up and approved was pretty straight forward and simple. The representative was very helpful, stayed with me throughout the entire process, answered my questions, and exp... See more
Company replied
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Review summary
Based on reviews, created with AI
See what reviewers are saying
Verified
AboveLending representative walked me through the entire process & answered all my questions. He stayed with me on the phone until the application process was completed and my loan approved.
Verified
Beyond Finance and Above Lending treat you with kindness, patience, and empathy. Every representative I have spoken to has been so professional and easy to talk with. I have been feeling so down abou... See more
Company replied
Verified
The agents were very knowlegable and helpful when I asked questions. My representative gave me all of the information on how the process would proceed and all the costs involved to proceed. There were... See more
Company replied
Company details
- #18 of 113 best companies in Financial Institution
Written by the company
Above Lending, Inc. is a next-generation financial services company with offices in Chicago. We provide simple and transparent products aimed to help our clients achieve their personal finance aspirations. With competitive rates and personalized support from our loan specialists, our mission is to simplify the lending process and help borrowers attain financial well-being. We are passionate about making credit more affordable and accessible, and we're committed to helping our clients accomplish their goals.
Contact info
650 Dundee Road, Suite 150, 60062, Northbrook, United States
- (800) 201-2295
- customercare@abovelending.com
- abovelending.com
4.8
Excellent
4K reviews
Replied to 100% of negative reviews
Typically replies within 48 hours
Verified
Very good service and very easy to…
Very good service and very easy to apply, interest little high.
Date of experience: June 30, 2025
Verified
Lybia was a great customer…
Lybia was a great customer representative. Explain everything and annswered all my questions.
Date of experience: July 07, 2025
Verified
AboveLending Representative Extremely Helpful
AboveLending representative walked me through the entire process & answered all my questions. He stayed with me on the phone until the application process was completed and my loan approved.
Date of experience: July 07, 2025
Verified
Customer Service
The fast response time as awesome. Excellent customer service service.
Date of experience: June 30, 2025
Reply from Above Lending
Hi Vvhnez!
Thanks so much for the kind words—and congratulations on taking this exciting step in your financial journey!
We’re thrilled to hear that you had a great experience and that our team’s quick response and excellent service stood out. That’s exactly the kind of support we aim to provide every time.
If you ever have questions or need anything at all, we’re just a call or email away at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
Very professional and answered my…
Very professional and answered my questions thoroughly. Made process easy
Date of experience: July 07, 2025
Reply from Above Lending
Hi Eddie!
Thanks so much for the review, and congratulations on the amazing strides you're making in your financial journey!
We’re so glad to hear that the process felt easy and that our team was able to answer all your questions thoroughly and professionally. That’s exactly the experience we hope to provide for every customer.
If anything else comes up, don’t hesitate to reach out—we’re always happy to help at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
Too early to tell
Still too early to say but if they uphold their end it will have saved me $220 a month and enabled me to rebuild my credit faster.
Date of experience: June 27, 2025
Reply from Above Lending
Hi Aaron!
Thanks so much for sharing your early experience—and congratulations on taking a big step toward saving money and rebuilding your credit!
We’re excited for what’s ahead and hopeful you’ll start seeing the benefits soon.
If you have any questions or need support along the way, feel free to reach out at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
Reply from Above Lending
Hi Jacqueline!
Thank you so much for the kind review—it truly means a lot to us! We hope our team members went above and beyond to make your experience a great one.
If you ever have questions or need anything in the future, we’re always here to help at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
Friendly Easy and very helpful…
Friendly Easy and very helpful ,answered my questions .
Thank you
Donna
Date of experience: July 03, 2025
Reply from Above Lending
Hi Donna!
Thank you so much for the kind words, and congratulations on taking this exciting step toward your reaching your financial goals!
We’re so glad to hear everything was friendly, easy, and helpful—just the way it should be. Our team’s always here to make sure you feel supported every step of the way.
If you have any other questions or ever need a hand, don’t hesitate to reach out at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
Reply from Above Lending
Hi Michael!
Easy access and fast approval? Now that’s what we love to hear—congrats on crushing it!
We’re so glad the process was smooth and simple for you. If you ever have any questions or need support along the way, we’ve got your back at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
Very professional and courteous
Very professional and courteous. Explained the whole process
Date of experience: July 03, 2025
Reply from Above Lending
Hi Donna!
We love to hear it—professional, courteous, and clear communication? That’s what we’re all about. Congratulations on taking this exciting step toward reaching your financial goals!
We’re so glad the process was well explained and that you felt supported every step of the way. If anything ever comes up, we’re just a call or email away at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
Carlos was clear in his communication
Carlos was clear in his communication, patient with my questions, and friendly in his demeanor.
Date of experience: July 03, 2025
Reply from Above Lending
Hi Mark,
Thanks so much for sharing your experience, and congratulations on the amazing strides you're making in your financial journey!
It’s wonderful to hear that Carlos provided clear communication and took the time to walk you through everything with patience and a friendly attitude. We’ll be sure to let him and his manager know—he’ll be thrilled to hear this!
If you need anything else along the way, don’t hesitate to reach out at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
One of the best experiences
One of the best experiences I’ve ever had dealing with rebuilding credit and finding approved lenders. Representatives are equipped to answer any question you throw at them which is AMAZING
Date of experience: July 03, 2025
Reply from Above Lending
Hi Stephen!
Thanks so much for the awesome review and a HUGE congratulations on the steps you’re taking to rebuild your credit. That’s no small feat, and we’re honored to be part of your journey.
We love hearing that our team was able to answer all your questions and make things feel easy and empowering.
If anything else comes up or you just have more questions to throw our way, we’re here for you at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
From start to finish the experience has…
From start to finish the experience has been great. The customer service rep was knowledgeable and extremely helpful. It made the process very easy.
Date of experience: June 23, 2025
Reply from Above Lending
Hi Jennifer!
Huge congratulations on this exciting step in your financial journey—and thank you for the kind words!
We’re so glad to hear everything went smoothly from start to finish. It’s awesome to know our team member was helpful and made the process feel easy and stress-free. That’s exactly the experience we hope to provide!
If you ever need anything down the road, we’re always happy to help. Just reach out anytime at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
Very pleased to work with Five Lakes to get debt settled for less
The lady on the phone seemed to know all she needed to
Date of experience: June 30, 2025
Reply from Above Lending
Hi Carla!
Thanks so much for sharing your experience—and congratulations on the exciting steps you’re taking in your financial journey!
We’re thrilled to hear everything went smoothly and that the team member you spoke with knew their stuff and made the process feel easy. That’s exactly what we love to hear!
If you ever have more questions or need anything at all, we’re just a call or email away at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
Helpful
The contact, Kevin Hamilton, was very knowledgeable and made the process an easy experience.
Date of experience: July 02, 2025
Reply from Above Lending
Hi Cathy!
Thanks so much for the kind words, and we're thrilled to hear how helpful Kevin was throughout the process! It’s always our goal to make things as smooth and stress-free as possible, and it sounds like Kevin delivered. Congratulations on the amazing strides you're making in your financial journey!
If you ever have questions or need support, we’re here to help at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
So frustrating
So frustrating, and disappointed. First the transparency of the loan details is appalling. Secondly beyond finance said working with above lending is due to the fact that I graduated to a settlement plan, but what it really is a horrible money trap on both sides. So beyond finance said that I successfully made payments for one year so I pre-qualified for a loan with above lending. However, above lending is a simple interest loan and if you think that you were being held by above finance to pay off your debts faster, you are 100% wrong when they direct you to above lending. I'll do above lending helps give you a loan to consolidate paying off your settlement plan with above finance to pay off your debt towards your creditors, they hit you with the biggest interest fee knowing that you cannot pay the higher by weekly payments. And the pressure to sign their contract is appalling in the way that they lie about the transparency of the details and they lie about the advantage of applying for a loan through their company. Finally not to mention their fine print in contract stating if you do not pay what you signed up for and have a late payment or Missing payment you are claimed as being dishonest when they know you were in beyond finance working to resolve your credit and that you cannot afford to make payments. So the end result is you paying the minimum of the bi-weekly payment plan with the highest interest also ending in the highest amount paid even more than beyond finance with their 25% fees.
Date of experience: June 30, 2025
Reply from Above Lending
Hi Cynthia,
We’re really sorry to hear how frustrating this has been—that’s never the experience we want anyone to have.
To help clarify, Above Lending and Beyond Finance are separate companies that offer different solutions. Beyond Finance focuses on debt resolution, while Above Lending provides a loan option that some customers use to pay off their enrolled creditors in one lump sum.
For many, the loan offers a way to simplify things—by making just one payment to Above Lending instead of juggling multiple accounts—and it can help settle those debts faster, which may lead to quicker credit score improvement and progress toward financial goals. Our loans are simple interest with no prepayment penalties, and rates are in line with industry standards. Making extra payments can also reduce the total interest paid.
We’re sorry if anything felt unclear or if you felt pressured at any point—that’s never our intention. Our goal is always to explain both options so you can choose what works best for your situation.
If you’d like us to take another look or talk things through, we’re here to help. Feel free to reach out at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Verified
Were very helpful and understanding.
Were very helpful and understanding.
Date of experience: July 01, 2025
Reply from Above Lending
Hi Chris!
Thanks so much for the kind words! We're really glad to hear our team was helpful and understanding throughout your experience. Congratulations on the amazing strides you're making towards reaching your financial goals.
If you ever need anything else, feel free to reach out to us at customercare@abovelending.com or (800) 201-2295—we’re always here to help.
- The Above Lending Team
Verified
provide the information i need to…
provide the information i need to complete mine loan an the step an guide line with information need at the time
Date of experience: June 24, 2025
Reply from Above Lending
Hi Daisy,
Thanks so much for the great review! We’re glad to hear that everything was clearly explained and that you had the guidance you needed to complete your loan application. Congratulations on your approval!
If you have any other questions or need support down the road, we’re always here to help at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
Not a positive experience
I would use zero stars if that were possible. Above lending is impossible to work with. The customer service reps have no insight into their own system and cannot provide any information requested.
Whether by design or incompetence their lack of transparency is appalling and I can assure you if you have questions they will not be answered here.
Date of experience: June 23, 2025
Reply from Above Lending
Hi Sarah!
We're really sorry to hear about your experience and appreciate you taking the time to share this. We never want any of our customers to feel frustrated or in the dark when reaching out to us.
If you're open to it, we'd really like the opportunity to understand more and look into this further for you. Please feel free to reach out to us directly at customercare@abovelending.com—we're here to help.
- The Above Lending Team
Verified
Reply from Above Lending
Hi Kevin!
Thanks for the great review, and congratulations on taking this exciting step forward in your financial journey! We're so glad to hear the process was quick and easy for you—that’s exactly what we hope for.
If you ever need anything, we’re just a phone call or email away at customercare@abovelending.com or (800) 201-2295.
- The Above Lending Team
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