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.
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Is Above Lending legit?
Above Lending (abovelending.com) has a 4.8 out of 5 rating on OK.one, based on 269 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 97% rating it 4 stars or higher; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-09-03.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently mention that the staff is exceptionally patient, kind, and helpful when walking them through the loan process and answering all questions. People really appreciate the clear communication and fast service that makes managing debt feel much less stressful and very straightforward to handle.
However, some people mentioned unexpected issues with loan terms, sudden increases in payment schedules, or feeling confused after going through the steps. A few consumers also felt disappointed by higher interest rates, unexpected financial outcomes, or getting denied after initially being pre-approved by the team.
Auto-generated from all reviews of this business. For reference only.
I was treated with respect which means so much. The associate who assisted me answered all my concerns.
Reply from Above Lending2026-08-12
Hi Niamh!
Thank you for the review, and congratulations on your new loan with Above Lending!
Being treated with respect should never be something to remark on, and we're glad our associate made sure to answer every concern you had along the way.
Welcome to the family! If you have any questions or need anything at all, we're just an email or phone call away at [email protected] or (800) 201-2295.
- The Above Lending Team
Overall, my experience with the entire Beyond staff has been wonderful. Everyone has been very knowledgeable and helpful regarding any questions I have throughout the entire process. Everyone is also super responsive and you are not placed on hold for so long unlike with others. I am confident that Beyond will help get me back on track with my financial goals. I highly recommend Beyond to others in need of this service.
Reply from Above Lending2026-08-12
Hi Kate!
Thank you so much for taking the time to leave a review, and congratulations on this new chapter with Above Lending!
It's wonderful to hear how much support your debt resolution provider has given you, and we're glad to now be part of your journey too, helping you move forward with your Above Lending loan.
If you have any questions about your loan or need anything at all, please reach out to us at [email protected] or (800) 201-2295.
- The Above Lending Team
Representative was so patient, knowledgeable and professional.
Reply from Above Lending2026-08-12
Hi Dominique!
Thank you for the kind words, and congratulations on this exciting step in your financial journey!
We're glad your team member's patience, knowledge, and professionalism stood out. That's exactly the kind of experience we want every customer to have.
If you ever have questions, our team is just a call or email away at (800) 201-2295 or [email protected].
- The Above Lending Team
Hi there!
Thank you for sharing your experience and a BIG congratulations on your approval! Welcome to the family.
We're glad to hear your interactions with our team member went well and the process went so smoothly. That's exactly what we love to hear!
If you ever have any questions or need anything along the way, we're only a phone call or email away at (800) 201-2295 or [email protected].
- The Above Lending Team
It was a very easy process. Everything was explained to me clearly, and the gentleman helping me was very patient.
Reply from Above Lending2026-08-12
Hi Amy!
Thank you for sharing your feedback, and congratulations on the progress you're making toward your financial goals!
We're happy to hear the gentleman helping you was patient and explained everything clearly, which made for such an easy process overall.
We're happy to help anytime at [email protected] or (800) 201-2295.
- The Above Lending Team
Everything I am very pleased with my results special thanks to D Davis. She was very helpful in my process. I give her five styles. Thank you all very much your support. Praying that all goes well again thank you TC Williams.
Reply from Above Lending2026-08-12
Hi TC!
Thank you so much for sharing your experience and a BIG congratulations on your loan with Above Lending!
We’re glad to hear Denise was so helpful throughout the process and that you’ve been pleased with the support you received. We'll be sure to pass along your kind words and five-star recognition for Denise to her and her manager. They'll be so happy to hear this!
If you ever have any questions or need anything along the way, we're only a phone all or email away at (800) 201-2295 or [email protected].
- The Above Lending Team
Hi Cassandra!
Thank you for sharing your experience, and congratulations on your new loan with Above Lending!
We’re so glad to hear the process was quick, easy, and painless. That’s exactly the kind of experience we want for our customers!
If you ever have any questions or need anything along the way, please reach out to us at (800) 201-2295 or [email protected].
- The Above Lending Team
The representative I worked with Dana made this a great experience.
Reply from Above Lending2026-08-12
Hi Terrie!
Thank you so much for sharing your experience, and congratulations on the amazing strides you're making towards reaching your financial goals and allowing us to be a part of that journey!
We’re so glad to hear Dana helped make the process such a positive one. We’ll be sure to pass along your kind words to Dana and her manager. They’ll be so happy to hear about your customer service experience!
If you ever have any questions or need anything along the way, we’re only a phone call or email away at (800) 201-2295 or [email protected].
- The Above Lending Team
Both of the gentlemen who assisted me were friendly, knowledgeable, and patiently answered all of my questions.
Reply from Above Lending2026-08-12
Hi Shadonna!
We really appreciate you leaving a review, and congratulations on your approval!
We're so glad both team members who assisted you were friendly and knowledgeable, and took the time to patiently answer every question you had.
Please don't hesitate to get in touch at [email protected] or (800) 201-2295 if you need anything at all.
- The Above Lending Team
The representative was very knowledgeable, walk me through everything. Answered all my questions. Great experience,
Reply from Above Lending2026-08-12
Hi Elizabeth!
Thank you for sharing your story, and congratulations on your new loan with Above Lending!
It's great to hear your team member walked you through everything and made sure all of your questions were answered. That thoroughness is what makes for a great experience.
Please feel free to reach out anytime at [email protected] or (800) 201-2295.
- The Above Lending Team
The experience went fast. The representative was patient and reexplained as needed. Her voice was pleasant and nonjudgmental. Feels good to have a second chance.
Reply from Above Lending2026-08-12
Hi Elaska!
Thank you for sharing such a heartfelt review, and congratulations on this second chance toward your financial goals!
We're so glad your team member was patient enough to re-explain things as needed, and that her pleasant, nonjudgmental tone made the experience feel comfortable from start to finish.
If you ever need us, please call or email at (800) 201-2295 or [email protected].
- The Above Lending Team
I enjoyed having a human conversation with someone who seemed to want to help.
Reply from Above Lending2026-08-12
Hi there!
Thank you for taking the time to share this, and congratulations on getting started with Above Lending!
We love hearing that you had a genuine, human conversation with someone who truly wanted to help. That kind of authentic connection is exactly what we hope for in every call.
If you need anything at all, feel free to reach out at [email protected] or (800) 201-2295.
- The Above Lending Team
Hi Kebba!
Thanks so much for taking the time to share this with us and congratulations on making it to the finish line! We're so excited to welcome you to the Above Lending family!
We love hearing that our team members made such a great impression during the process. We’re lucky to have an amazing group of people, and reviews like yours mean a lot!
If you ever need anything, please reach out to us at (800) 201-2295 or [email protected]. We're here to help!
- The Above Lending Team
It was quick and easy. The lady helped us through everything. And she was fast and efficient
Reply from Above Lending2026-08-12
Hi Julie!
Thank you so much for taking the time to share your experience, and congratulations on this exciting step forward!
We're so glad the team member who helped you was fast and efficient, guiding you through everything quickly and easily.
If you need us, please don't hesitate to reach out at [email protected] or (800) 201-2295.
- The Above Lending Team
Very nice representative. Helps a ton having an english speaking person.
thanks
Reply from Above Lending2026-08-12
Hi John!
Thank you for the review, and congratulations on taking this step forward in your financial journey! Welcome to the Above Lending family.
We're glad your team member was kind and that you were able to communicate clearly and comfortably throughout the process. That ease of communication makes a real difference.
If you need anything else, we're just a call or email away at (800) 201-2295 or [email protected].
- The Above Lending Team
My agent was very personable and helpful. He explained everything well and helped me reach a good conclusion.
Reply from Above Lending2026-08-12
Hi Katherine!
Thank you for the wonderful review, and congratulations on this new chapter with Above Lending!
We're glad our team member was personable and helpful, and that his clear explanations helped you reach a conclusion you feel good about.
Please reach out anytime at (800) 201-2295 or [email protected] if we can help with any questions or if you need anything at all.
- The Above Lending Team
The offer made sense for my situation. I was able to cut my monthly debt payments almost by half. I can save and use the other half as needed. The representative I was speaking with on the phone was knowledgeable and able to answer all of my questions.
Reply from Above Lending2026-08-12
Hi Eric!
Thank you for sharing your experience, and congratulations on getting your payments where you need them and your new loan with Above Lending!
We're so glad the offer was a good fit for you. Hearing that you now have more breathing room each month is wonderful news.
If you have any questions or need anything along the way, we're only an email or phone call away at [email protected] or (800) 201-2295.
- The Above Lending Team
Had an excellent agent that helped in understanding the process and what my options were. Very polite and respectful throughout the entire process.
Reply from Above Lending2026-08-12
Hi Rose-Amber!
Thank you for the kind review, and congratulations on this step in your financial journey!
We're so glad our team member was polite and respectful while helping you understand the process and your options every step of the way. That's exactly the experience we aim to deliver every time and are delighted to hear that you received it during the process.
If you ever need anything, please contact us at [email protected] or (800) 201-2295.
- The Above Lending Team
Gillen was great at explaining the advantages of the Above Lending loan vs. the debt program we were enrolled in. She was very knowledgeable, friendly, down to earth, and professional. And our monthly payment was reduced dramatically, which enables us to pay more each month to pay off the loan and reduce the interest paid. Highly recommend! The process was quick and painless.
Reply from Above Lending2026-08-12
Hi Bobbie!
Thank you so much for such a detailed review, and congratulations on your new loan and the progress you're already making!
We’re thrilled to hear Gillen took the time to clearly explain the advantages of the loan compared to your debt program, and that their knowledgeable, down-to-earth approach helped lower your monthly payment. We’re also glad they highlighted the flexibility to pay more when you’re able, with no prepayment penalties, which can help you pay off your loan sooner and save on overall interest.
If we can ever help further, please reach out at (800) 201-2295 or [email protected].
- The Above Lending Team
The process and explanation were very well executed.
Reply from Above Lending2026-08-12
Hi Greg!
Thank you for the review, and congratulations on this milestone in your financial journey!
We're glad to hear the process and explanation were well executed from start to finish. Clear communication is something we work hard to deliver.
We're here to help at [email protected] or (800) 201-2295 if you need us.
- The Above Lending Team
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