Above Lending Reviews 4,583

TrustScore 5 out of 5

4.8

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Evaluating 1,058 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for their helpfulness, patience, and extensive knowledge, making the loan application process smooth and understandable. Many highlight the exceptional customer service, noting that representatives are supportive, clear in their explanations, and dedicated to addressing all concerns. The overall service is described as excellent, with people appreciating the ease and efficiency of the process, from initial application to setting up payment schedules. However, some people were dissatisfied with aspects related to payment and the clarity of information provided. A few customers mentioned confusion regarding additional funds or felt that certain details, such as the tax implications of debt settlement or income verification requirements, were not adequately explained upfront.

What people talk about most

Staff

Reviewers highlight positive aspects of staff. Customers consistently praise the staff for being helpful,... See more

Customer service

Users describe positive interactions with customer service, highlighting the helpfulness, professionalism,... See more

User experience

Reviewers mention positive feedback about user experience. Customers consistently describe the process as... See more

Service

People report positive experiences with service. Customers praise the ease and efficiency of the loan... See more

Payment

Customers consistently note ambiguous experiences with payment. Many reviewers appreciate the flexibility in... See more

Reviews shaping this summary

Rated 5 out of 5 stars

It has been a bit overwhelming and gratitude to Beyond Finance for this opportunity. Andrea shared the information, gave me time to process my feelings and then took me step by step all the way to th... See more

Company replied

Rated 5 out of 5 stars

Elenore was very knowledgeable, transparent, and supportive throughout the application process. Interest rate is a bit high, but no different than what the banks already offer. its hard not to expect... See more

Company replied

Rated 5 out of 5 stars

I want to express my sincere appreciation for the outstanding support Kiana provided throughout my loan process. From the very beginning, she brought a personal touch that made a real difference.... See more

Company replied

Rated 5 out of 5 stars

Received an unexpected and much appreciated call for a loan offer through Above Lending’s partner Beyond Finance. I was able to go through the loan process quick and easy. Kevin Hamilton was a great l... See more

Company replied


Company details

  1. #21 of 106 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

4.8

Excellent

TrustScore 5 out of 5

5K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 95% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

Interest rate are ridiculous High

Interest rate are ridiculous High! I would avoid using above lending services.

April 16, 2026
Above Lending logo

Reply from Above Lending

Hi Feyishara!

Thank you for sharing your thoughts. We understand that interest rates are an important part of any financial decision and can sometimes feel overwhelming.

We appreciate you recently choosing Above Lending to assist with your financial goals. Many customers come to us looking for a way to consolidate payments, resolve balances faster, and create a more structured repayment plan moving forward.

While rates can vary based on a number of factors, we do work to remain competitive within the lending space. One advantage of the loan is that there are no prepayment penalties, so customers always have the flexibility to make additional payments and reduce their overall interest over time.

If you’d like to speak with our team about your account, we’d be happy to help at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Very friendly and answered my questions

Very friendly and answered my questions

May 5, 2026
Above Lending logo

Reply from Above Lending

Hi Amanda!

Thank you so much for the kind review, and congratulations on the exciting progress you’re making toward your financial goals!

We’re so happy to hear our team members were friendly, helpful, and able to answer your questions throughout the process. Making sure our customers feel comfortable and supported every step of the way is incredibly important to us, so your words truly mean a lot.

Thank you again for choosing Above Lending! If you ever need us, we’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Everyone that I came in contact with at…

Everyone that I came in contact with at Above Lending has been very helpful, friendly and professional. God bless all of them and they all deserve a raise 🫡

April 28, 2026
Above Lending logo

Reply from Above Lending

Hi Lavell!

Thank you so much for the amazing review and congratulations on the exciting progress you’re making toward your financial goals. We’re truly grateful you chose Above Lending to be part of the journey with you.

It means a lot to hear that every team member you connected with left such a positive impression. Creating a helpful, friendly, and professional experience is exactly what we strive for, and your kind words absolutely made our day.

If you ever need us, we’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Libby was great

Libby was great. She walked me through every step of the process and was very patient.
Give her a raise

May 5, 2026
Above Lending logo

Reply from Above Lending

Hi Anne!

Thank you so much for the review, and congratulations on getting to the finish line with your loan approval!

We love this!...and Libby will definitely be smiling when we pass this along to her! We’re so glad she walked you through everything and made the process feel easy and comfortable.

If you ever need anything, please feel free to reach out to us at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

We spoke with Patrick

We spoke with Patrick. He was awesome, very friendly, very helpful and very knowledgeable. He took his time and patience and explained everything to us. Thank you for all your help. And thank Patrick for us too.

May 5, 2026
Above Lending logo

Reply from Above Lending

Hi Harvey!

Thank you so much for the kind review, and a HUGE congratulations on your new loan with Above Lending!

We’re so glad to hear that Patrick made such a strong impression. Friendly, knowledgeable, and patient support goes a long way, and it’s great to know he took the time to walk you through everything. We’ll absolutely pass this along to him and his manager, they’ll really appreciate it!

If you ever need anything, please feel free to reach out. We’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Customer service.

Customer service.
Detailed.
Friendly.

April 27, 2026
Above Lending logo

Reply from Above Lending

Hi Tamara!

Thank you so much for the review, and congratulations on the progress you're making. We truly appreciate you choosing Above Lending to be part of your next steps!

We love hearing that your experience was detailed, friendly, and centered around great customer service. That’s exactly what our team works hard to deliver every day.

If you ever need anything, please feel free to reach out. We’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Great customer service …

The person I spoke with work me through the process and explained what I should expect going forward. Thank you

May 4, 2026
Above Lending logo

Reply from Above Lending

Hi Delmy!

Thank you so much for the wonderful review, and congratulations on your approval!

We’re so glad to hear you had a great experience and that our team member took the time to walk you through the process and set clear expectations for what’s ahead. That kind of support is exactly what we aim for.

If you ever need anything, please feel free to reach out. We’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

It was easy and fast

It was easy and fast
Patrick was great and made the process easy.-

May 4, 2026
Above Lending logo

Reply from Above Lending

Hi Kari!

Thank you so much for the review, and congratulations on getting through the process so smoothly. We truly appreciate you choosing Above Lending to be a part of the next chapter in your financial journey!

We’re so glad to hear everything felt easy and fast, and that Patrick made the experience that much better. We’ll be sure to let him and his manager know, they’ll be excited to hear this!

If you ever need anything, please feel free to reach out. We’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Lady on phone was very knowledgeable

Lady on phone was very knowledgeable, helpful and a delight to talk to.

May 4, 2026
Above Lending logo

Reply from Above Lending

Hi Kim!

Thank you so much for the kind words, and congratulations on the great progress you're making. We truly appreciate you choosing Above Lending to be part of this experience.

We’re so glad to hear that our team member was knowledgeable, helpful, and a delight to speak with. That’s exactly the kind of experience we aim to provide, and it’s great to know it came through.

If you ever need anything, please feel free to reach out. We’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

I was pretty emotional

I was pretty emotional, the individual who helped me out was very nice and took my mind off of the situation.

May 4, 2026
Above Lending logo

Reply from Above Lending

Hi Robert!

Thanks so much for sharing this, and congratulations on this new chapter!

We know conversations around finances can feel heavy sometimes, so it really means a lot to hear that our team member was able to make things a bit easier and help take your mind off things. We’re glad you found a good fit with us and that we could be there for you when it mattered.

If you ever need anything, please feel free to reach out. We’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Informative

May 1, 2026
Above Lending logo

Reply from Above Lending

Hi Janet!

Thanks so much for the review, and congratulations on the amazing strides you're making towards reaching your financial goals!

We’re really glad to hear you found the experience informative. Our team members work hard to make sure everything is clear and easy to understand, so it’s great to know that came through.

If you ever have any questions or need anything along the way, please feel free to reach out to us at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars
Above Lending logo

Reply from Above Lending

Hi Stacy!

Thanks so much for the review and a big congratulations your new loan with Above Lending! We're so happy that you found a good match in us!

It's great to hear you had a great experience with our team members. Providing helpful, friendly support is what we’re all about, and it’s great to know that came through during your interaction.

If you ever need anything or have questions down the road, please feel free to reach out to us at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

I was very surprised when I was…

I was very surprised when I was contacted by Above Lending about applying for a loan. The representative Jeff Gannon was very professional and helpful as I was filling out the loan application. Once I was approved Jeff went step by step in explaining the procedures I needed to follow in paying down my loan. He also helped me as I was creating my account with Above Lending. He told me that if I have any questions I can contact a representative from Above Lending for help. I was very happy with my beginning experience with Above Lending.

April 24, 2026
Unprompted review
Above Lending logo

Reply from Above Lending

Hi Patricia!

Thank you so much for sharing your experience, and congratulations on your approval!

We’re so glad to hear that Jeff made such a strong impression and took the time to guide you step by step through the application, approval, and account setup. That kind of support can make all the difference, especially at the beginning, and we’ll be sure to let him and his manager know how much you appreciated his help.

We’re thrilled that your first experience with Above Lending has been a positive one and truly appreciate you choosing us to be part of this process with you.

If you ever need anything along the way, please feel free to reach out, we’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Superb Company!!!

Understanding the info about the loan. Ecstatic that I am graduated out of Beyond Finance and now have a lower monthly payment. My credit will recuperate now!! Thank you!!!

May 1, 2026
Above Lending logo

Reply from Above Lending

Hi Suzy!

Thank you so much for the amazing review, and a HUGE congratulations on graduating from your debt resolution program! We're so happy to welcome you to the Above Lending family.

We’re delighted to hear that everything was clearly explained throughout the process and that you’re feeling confident and excited about this next chapter.

If you ever need anything, please feel free to reach out, we’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

I was skeptical

I was skeptical and cautious. The agent, Josh Luithle, was very kind and patient with me as I struggled to make a decision. He was persuasive but not pushy. I would like to believe he had my best interest in mind through the process. Excellent customer service. Very knowledgeable.

April 23, 2026
Above Lending logo

Reply from Above Lending

Hi Patricia!

Thank you so much for sharing your experience, and congratulations on taking a meaningful step toward your financial goals!

We completely understand coming in feeling skeptical, so it’s especially great to hear that Josh was able to provide a supportive and pressure-free experience while helping you work through your decision. It sounds like he really took the time to meet you where you were, and we’ll be sure to let him and his manager know how much his patience and approach meant to you.

If you ever need anything moving forward, please feel free to reach out, we’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Process was well explained

Process was well explained
All of my questions answered

April 23, 2026
Above Lending logo

Reply from Above Lending

Hi GL!

Thanks so much for the great review, and congratulations on your new loan with Above Lending!

It’s great to hear that everything was clearly explained and that all your questions were answered along the way. That kind of clarity and support is exactly what our team members strive to provide.

If you need anything else, please feel free to reach out, we’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Amazing

Great customer service, experience, gets to the point!

April 30, 2026
Above Lending logo

Reply from Above Lending

Hi Moises!

Thanks so much for the awesome review, and congratulations on your approval!

We’re so glad to hear you had a smooth, to-the-point experience with our team members while still receiving great customer service. That’s exactly what we aim for, making things clear, efficient, and helpful every step of the way.

If you ever need anything down the line, don’t hesitate to reach out, we’re only a phone call or email away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look