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.
The agent i worked with (Libby) was very engaging and helpful throughout the process of signing up. She explained every step and answered my questions as they came up.
Reply from Above Lending2026-08-14
Hi Leonard!
We love hearing this! Thanks so much for taking the time to recognize Libby, and congratulations on your new loan with Above Lending!
It’s great to know she made the experience feel approachable and was there with helpful answers whenever you needed them. We’ll make sure Libby and her manager hear about the great impression she made!
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
The gentleman that help me with the process of explaining the program to me was very helpful and may the process understandable. I glad I may the decision to except the plan.
Reply from Above Lending2026-08-14
Hi James!
Thank you so much for sharing your experience, and congratulations on taking this next step with Above Lending!
We’re especially glad Kay gave you the clarity and space you needed to feel comfortable making your decision. We’ll make sure she and her manager hear about your kind words!
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
Jeff Gannon was great at assisting me with getting my loan approved and set up. Thanks so much!
Reply from Above Lending2026-08-14
Hi Joshlyn!
Thanks so much for sharing this, and a big cheers to you on getting your loan approved and set up!
We’re so glad Jeff was there to help make everything come together smoothly. We’ll be sure to pass your kind words along to Jeff and his manager. They’ll be happy to hear he made such a positive impact!
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
I felt comfortable and stress free. The relief of the weight being lifted off my shoulders will help give me the confidence financially. Thank you Above and thanks to Alexandria.
The interest rate is a bit predatory but what do you expect when your credit is crappy for the moment...
When I first applied I was told I qualified for a $2K stipend from the loan. When it went for actual approval that option was totally removed so it felt like a bait and switch kind of move.
I wrote them back it is the reason I was declining the offer. Couple of weeks passed and got the pre-credit check email again and received full approval this time which included the $2K from the loan.
So its wait and see if things actually get fully funded. Just applied today, 8/14/2026.
Hi David!
Thank you so much for taking the time to leave a review and congratulations on your new loan with Above Lending!
We’re glad to hear our team was helpful and knowledgeable throughout your experience. We truly appreciate the kind words!
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
Everything was easy. Excellent service. Explained to me everything. All my questions were answered.
Reply from Above Lending2026-08-13
Hi Fleurdeliz!
Thank you so much for sharing your experience and congratulations on your loan with Above Lending!
We’re so glad to hear the process was easy, everything was clearly explained, and all of your questions were answered. That’s exactly the kind of experience we want for our customers!
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
Peter was very patient and took the time to explain everything to me. Great customer service!
Reply from Above Lending2026-08-14
Hi Krista!
What a great review to receive! Thank you for taking the time to share this, and a big cheers to you as you get started with Above Lending!
We’re so happy Peter made you feel supported and took the time to make sure everything was clear along the way. We’ll be sure to pass your kind words along to Peter and his manager. We know they’ll appreciate the shoutout!
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
Hi Catlin!
Your review gave us a smile! Thank you so much for taking a moment to share this, and cheers to you on getting your loan across the finish line!
We love hearing that our team made such a great impression and helped make your experience with Above Lending a memorable one.
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
Karen was outstanding and very helpful for my experience with your company.
Reply from Above Lending2026-08-14
Hi Charles!
Thank you so much for sharing your experience, and a big congratulations on your loan with Above Lending!
We’re so glad Karen was outstanding and made such a positive difference throughout the process. We’ll be sure to pass along your kind words to Karen 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 call or email away at (800) 201-2295 or [email protected].
- The Above Lending Team
Hi Timothy!
Thanks so much for the kind words, and congratulations on getting started with Above Lending!
We’re happy to hear our team made you feel comfortable and gave you the patience and support you needed along the way. We really appreciate you taking a moment to share this with us!
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
Very pleased with the customer service I was provided. The gentleman was very well informed, well spoken, and answered my questions promptly.
Reply from Above Lending2026-08-14
Hi Gary!
Thank you for the great review, and a big congratulations on your loan with Above Lending!
We’re really glad you had such a strong experience with our team. It sounds like he made things easy by being knowledgeable, clear, and quick to get you the answers you needed. We truly appreciate you taking the time to share that with us!
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
Everyone was very helpful.
Kay was able to explain everything very clearly. Plus gave us time to make our decision.
Reply from Above Lending2026-08-14
Hi James!
Thanks so much for sharing this, and congratulations on moving forward with Above Lending!
We’re especially happy to hear Kay made everything easy to understand without making you feel rushed. Having the time to ask questions, think things through, and make the decision that feels right is so important. We’ll be sure Kay and her manager see your kind words!
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
Was a very smooth transition in getting a loan application and was very informative from the customer service. I am very happy to continue my debt resolution faster.
Reply from Above Lending2026-08-14
Hi Lori!
Thank you so much for sharing your experience, and congratulations on reaching this next milestone in your financial journey!
We’re happy to hear everything came together smoothly and that our team helped make the process clear and easy to navigate. It’s exciting to know your new loan is helping you move through your debt resolution journey sooner, and we’re glad to be part of that progress!
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
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