Above Lending Reviews 4,586

TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Considering 1,072 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, knowledge, and supportive approach, making the process clear and easy to understand. Many people highlight the excellent customer service, noting the patience and kindness of representatives who take the time to explain details and answer all questions. The overall user experience is frequently described as smooth, swift, and efficient, with many appreciating the ease of the application process and the flexibility in setting up payment schedules. However, some customers expressed dissatisfaction regarding payment issues, particularly concerning the clarity of terms and conditions. A few people felt that the initial explanations about payment structures were confusing, leading to misunderstandings after signing agreements. There were also instances where some reviewers felt that the company's offerings were not adequately compared to their existing arrangements, and a small number of people reported being denied due to income verification issues.

What people talk about most

Staff

Clients share positive opinions on staff, with many reviewers highlighting their helpfulness, patience, and... See more

Customer service

Reviewers highlight positive aspects of customer service. Customers consistently praise the helpfulness,... See more

User experience

Consumers find the user experience to be positive, highlighting the ease and clarity of the process. Many... See more

Service

Customers had positive experiences with service. Many reviewers praised the professionalism and helpfulness... 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

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

Rated 5 out of 5 stars

The program was explained in great detail and my questions were addressed. This program is going to give me the ability in the future on financial stability, build future credit without being weighed... See more

Company replied


Company details

  1. #21 of 103 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
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1-star

Replied to 95% of negative reviews

Typically replies within 24 hours

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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
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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
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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
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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

Rated 5 out of 5 stars

Danny was very professional

Danny was very professional, helpful & patient. He really took the time to explain every detail & answered every question I had.

April 30, 2026
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Reply from Above Lending

Hi Jeannette!

Thank you so much for sharing your experience, and big congratulations on the progress you're making toward your financial goals! Welcome to the Above Lending family.

It’s wonderful to hear that our team members took the time to walk you through every detail and made sure all your questions were answered along the way. That level of patience and care can make all the difference.

If you ever 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

Loan Service Assistant was great.

Loan Service Assistant was very nice. He explained everything in detail. He answered all my questions and addressed all my concerns. Overall experience was AWESOME.

April 30, 2026
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Reply from Above Lending

Hi Erin!

Thank you so much for sharing your experience, and congratulations on moving forward with your loan!

We’re so glad to hear that your Loan Service Assistant took the time to walk through everything in detail and made sure all of your questions and concerns were addressed. That level of care and clarity is exactly what we strive for, and it’s great to know it made such a positive impact on your overall experience.

If you ever need anything down the road, 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

The process went great and staff where…

The process went great and staff where patient and helpful

April 30, 2026
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Reply from Above Lending

Hi Shawn!

Thanks so much for the review, and big congratulations on getting through the process smoothly with your loan! Welcome to the Above Lending family!

It’s great to hear that everything went well and that our team members were patient and helpful along the way. That kind of support can make all the difference, and we’re glad you had a positive experience from start to finish.

If you ever need anything or have questions down the line, 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

Customer service is amazing

Customer service is amazing. They answer all of my questions and take the time to make sure that I understand all of the information an instructions given to me.

April 22, 2026
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Reply from Above Lending

Hi there!

Thank you so much for sharing your experience, and a BIG congratulations on getting everything in motion! Welcome to the Above Lending family!

It’s wonderful to hear that our team members took the time to answer all of your questions and made sure everything was clearly explained. That kind of care and attention can make a big difference, and we’re so happy you felt supported every step of the way.

If you have any other questions or need anything along the way, please feel free to reach out to us at (800) 201-2295 or customercare@abovelending.com. We're here to help!

- The Above Lending Team

Rated 5 out of 5 stars

Easy to setup and was thoroughly…

Easy to setup and was thoroughly explained on all the processes

April 29, 2026
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Reply from Above Lending

Hi Michael!

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

It’s great to hear the process felt easy and that everything was clearly explained along the way. That’s exactly the kind of straightforward, supportive experience our team members aim to provide.

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

Jeff Gannon was excellent

Jeff Gannon was excellent! Knew exactly how to how to help soothe concerns about the process and explained everything perfectly! He was very helpful and kind.

April 29, 2026
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Reply from Above Lending

Hi Brianna!

Thank you so much for the great review and a BIG congratulations on making it through the process and your approval! We are stoked that you've chosen us to a part of the next steps in your financial journey!

It’s wonderful to hear how supportive Jeff was throughout the process. Being able to ease concerns and explain everything clearly can make all the difference, and it’s great to know he delivered that kind, thoughtful experience. We’ll be sure to pass this along to him and his manager as well!

If you have any other questions or need anything at all, 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

Kristin was absolutely wonderful to…

Kristin was absolutely wonderful to work with!!!! She walked us thru every step and was the most amazing delightful person ever!!!!

April 22, 2026
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Reply from Above Lending

Hi Vicki!

Thank you so much for sharing your experience, and congratulations on getting through the process! We’re thrilled you chose Above Lending to be part a part of this next chapter with you.

It’s so great to hear how wonderful Kristin was to work with and how she took great care of you throughout the process. We’ll be sure to pass your kind words along to her and her manager, they’ll be so happy to hear this!

If you ever need anything at all, we're only an email or phone call away at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

Rated 5 out of 5 stars

Payin was succinct

Payin was succinct, information, and efficient. Very knowledgeable and quick to answer all questions. Approval steps were easy with their help.

April 29, 2026
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Reply from Above Lending

Hi Kimberly!

Thank you so much for taking the time to share your experience, and a big congratulations on your approval! We’re so glad to hear everything felt smooth and easy along the way.

It’s great to know that Payin was able to provide you with such a memorable customer service experience. That kind of knowledgeable and streamlined process is exactly what we aim to deliver, and we’re happy it made a difference for you. We'll be sure to pass along your kind words!

If you ever need anything down the line, 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

My experience was great

My experience was great! Kona helped walk me thur everything. Eased any questions I had and made the whole process easy and understandable.

April 28, 2026
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Reply from Above Lending

Hi Scott!

Thanks so much for sharing your experience, and a BIG congratulations on your approval!

We’re so glad to hear everything felt clear and the processed moved along so smoothly. It’s great to know Kona took the time to walk you through everything and ease any questions along the way. We’ll be sure to pass that along to her and her manager, they’ll really appreciate your kind words.

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

- The Above Lending Team

Rated 5 out of 5 stars

Kristen

Kristen, the agent that worked with me on this process, was very pleasant, knowledgeable and just made the process, overall, enjoyable.

April 28, 2026
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Reply from Above Lending

Hi Mark!

Thank you for taking the time to share this, and congratulations on your approval!

We’re so glad to hear the experience was an enjoyable one from start to finish. It’s great to know Kristin made such a positive impression with her knowledge and approach. We’ll be sure to pass along your kind words.

If anything comes up, please feel free to reach out to us at customercare@abovelending.com or (800) 201-2295. We’re here to help!

- The Above Lending Team

Rated 5 out of 5 stars

Quick and easy and will save me 1100 a…

Quick and easy and will save me 1100 a month

April 28, 2026
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Reply from Above Lending

Hi Patricia!

Thank you for sharing this and big congratulations to you, that kind of monthly savings is incredible. Hearing that it was quick and easy on top of that makes it even better.

We’re really glad everything came together in a way that brings you some real relief each month. Thanks for choosing Above Lending to be part of it.

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

- The Above Lending Team

Rated 5 out of 5 stars

Easy transition

Easy transition

April 21, 2026
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Reply from Above Lending

Hi Cortney!

Really appreciate you taking a moment to share this, and congratulations on getting everything set up!

We’re so glad to hear the transition felt smooth and straightforward. That kind of experience is exactly what we aim for, making things as easy as possible while keeping you supported the whole way through. Thanks for choosing Above Lending to be part of this step with you.

If anything comes up or if you have any questions, 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

Representative Payen was super! helpful…

Representative Payen was super helpful and courteous. She answered all of my questions and I really appreciated that she explained the process thoroughly. Very easy process.

April 27, 2026
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Reply from Above Lending

Hi Jodie!

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

It’s great to know Payin was so helpful and courteous while walking you through the process and answering all of your questions. We’ll be sure to pass this along to her and her manager, they’ll really appreciate it!

If you ever need anything along the way, please feel free to reach out to us at customercare@abovelending.com or (800) 201-2295. We’re here to help.

- The Above Lending Team

Rated 5 out of 5 stars

Quick and easy

April 27, 2026
Above Lending logo

Reply from Above Lending

Hi Christy!

Thanks so much for the review, and congratulations on your approval! We’re really glad you've chosen Above Lending to be part of this journey with you.

We love hearing that the process felt quick and easy for you. That’s exactly what our team members aim for, making things simple and straightforward while still being there to support you every step of the way.

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

- The Above Lending Team

Rated 5 out of 5 stars

Uncertain times

With the current uncertain times, I've been very stressed and worried about how to cover all expenses. One call to Above Lending to help sort things out and now I can breathe easier.

April 21, 2026
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Reply from Above Lending

Hi Mary!

Thank you so much for sharing this, and truly, we’re so glad you reached out to us. We know how stressful and overwhelming things can feel during uncertain times, so hearing that you’re able to take a breath a little easier now means a lot.

It’s great to know that one conversation helped bring some clarity and relief. That’s exactly what our team members are here for, and we’re really grateful you chose Above Lending to support you through it.

If anything else comes up or you have questions along the way, please feel free to reach out to us at customercare@abovelending.com or (800) 201-2295. We’re here to help.

- The Above Lending Team

Rated 5 out of 5 stars

So easy to apply and be qualified for…

So easy to apply and be qualified for lone. Representative very kind and helpful

April 27, 2026
Above Lending logo

Reply from Above Lending

Hi Christine!

Thank you so much for sharing your experience, and congratulations on getting approved! We’re really glad to hear the process felt easy and smooth from start to finish.

It’s great to know our team member was kind and helpful along the way. That’s exactly the kind of experience we aim to provide, and we’re happy to have been part of it with you.

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

- The Above Lending Team

Rated 5 out of 5 stars

Kudos to Patrick and Above Lending

Patrick made the information clear and non-intimidating while as making the decision to proceed with the loa process. He was patient and was incredibly kind and thorough during the entire process.

April 27, 2026
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Reply from Above Lending

Hi LJM!

Thank you so much for the kind words, and congratulations on taking this step forward! We’re really glad you chose Above Lending to be part of the process with you.

We love hearing how Patrick made everything feel clear and approachable. That kind of patience and thorough support can make a big difference when making an important decision, and it’s great to know he helped make the experience feel comfortable from start to finish. We’ll be sure to let him and his manager know how much this meant.

If you ever have questions or need anything along the way, we’re here to help at (800) 201-2295 or customercare@abovelending.com.

- The Above Lending Team

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