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 experience was very easy and the agent I dealt with was not pushy but patient. He answered all my questions well. Just make sure you read the fine print. Understand what you're getting into and know the good and the bad before you make a decision. So many people make this decision without paying attention to the details
Reply from Above Lending2026-08-13
Hi Nathan!
Thank you so much for the thoughtful review, and congratulations on your loan with Above Lending!
We’re so glad you had an easy, comfortable experience and felt supported throughout the process. It sounds like our team did a great job making sure you had the answers you needed to make an informed decision, and we really appreciate you sharing your 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
Hi Julie!
Thank you for the review, and congratulations on your new loan with Above Lending!
We're so glad our team member took the time to truly understand your situation...that kind of thoughtful, personalized attention is exactly what we strive for.
If you ever need anything, we're only an email or phone call away at [email protected] or (800) 201-2295.
- The Above Lending Team
Representative was friendly, knowledgeable, patient, and helpful.
Reply from Above Lending2026-08-12
Hi John!
Thank you so much for taking the time to share your experience and congratulations on your approval!
We’re glad to hear our team member was friendly, knowledgeable, patient, and helpful throughout the process. Providing clear and supportive service is exactly what we strive for, and we really appreciate the kind words.
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 [email protected].
- The Above Lending Team
I am so grateful. I wasn’t looking for this. I was just trying my hardest to come out of the hole that I was in. I’m so grateful that the hard work I was putting into rebuilding my credit was recognized by Above Lending and my debt resolution company. This was the breakthrough that I needed to get on my feet. I couldn’t be happier. Thank you to everyone who helped me throughout the process. It was quick and easy, and the customer service was immaculate.
Reply from Above Lending2026-08-12
Hi A. I.!
Thank you so much for sharing such a heartfelt review, and a BIG congratulations on your loan with Above Lending!
We’re so happy to hear this opportunity came at just the right time and gave you the breakthrough you needed after all the hard work you’ve been putting toward your financial goals. It means a lot to know the process was quick and easy and that you felt well taken care of by our team along the way. We’re excited to be part of this next chapter with you!
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
Marissa was wonderful and helped out so much and the whole experience was great and very easy to do
Reply from Above Lending2026-08-12
Hi Charlotte!
Thank you so much for sharing your experience, and a BIG congratulations on your loan with Above Lending!
We’re so glad to hear Marissa was wonderful to work with and helped make the entire process easy from start to finish. We’ll be sure to pass along your kind words and recognition to Marissa 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
The young lady that I was concerned to was very knowledgeable, patient and helpful on guiding me through my options
Reply from Above Lending2026-08-12
Hi Debbie!
Thank you so much for taking the time to share your experience! Congratulations on your approval and welcome to the Above Lending family!
We’re so glad to hear our team member was knowledgeable, patient, and helpful while walking you through your options. Making sure you feel informed and supported throughout the process is incredibly important to us, and we’re happy she was able to provide that experience.
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 [email protected].
- The Above Lending Team
Kiana, was absolutely a pleasure to work with and I would not hesitate to refer her as well as Above Lending to anyone in a similar situation as I find myself in. Top notch customer service and streamlined process.
Reply from Above Lending2026-08-12
Hi Samuel!
What a wonderful review. Thank you so much for sharing your experience, and congratulations on your loan with Above Lending!
We’re thrilled to hear Kiana was such a pleasure to work with and helped make the process feel smooth and streamlined from start to finish. Your recommendation means a lot to us, and we’ll be sure to share your kind words and recognition with her and her manager!
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 was just approved for a loan and your representative was a pleasure to work with. She was very patient and very helpful with all the aspects of the loan process. I would recommend your company to both friends and family
Reply from Above Lending2026-08-13
Hi John!
Thank you so much for sharing this, and a big cheers to you on your approval!
We’re so happy to hear our team member was patient, helpful, and made the loan process a positive experience from start to finish. Knowing you’d feel comfortable recommending Above Lending to your friends and family means a lot to 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
Great customer service and very friendly service!!
Reply from Above Lending2026-08-13
Hi Alexander!
Thanks so much for the kind words! We’re happy to hear our team made such a great impression and helped make the experience a friendly one from start to finish.
And cheers to you on getting your loan across the finish line! We’re excited to have you with Above Lending.
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 Andrew!
Thanks so much for taking a moment to share your experience and the 5-star review! Congratulations on your loan with Above Lending!
We’re glad to hear the process was smooth, efficient, and easy to navigate. That's exactly the kind of experience we want you to have any time you may need 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
This review is for Sherry! She was friendly, calm, and not afraid to ask me to be patient while working with her throughout the process. Her communication was great, and I really felt like I was hanging out with her instead of filling out an application and awaiting approval.
Reply from Above Lending2026-08-13
Hi Christine!
We love hearing reviews like this! Thank you so much for sharing your experience, and congratulations on your loan with Above Lending!
Sherry will be so happy to hear your kind words. We’re glad she made the process feel comfortable, personal, and maybe even a little more fun than filling out a loan application usually is! We’ll be sure to share your kudos with Sherry and her manager.
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
Employees at above lending are really nice; patient and are ready to answer questions and walk me through the loan processes.
Reply from Above Lending2026-08-12
Hi there!
Thank you for the wonderful review, and congratulations on this new chapter in your financial journey!
We're so glad to hear our team was patient and ready to walk you through the loan process step by step. Making sure you feel informed along the way is exactly what we aim for.
If you ever need assistance, please reach out to us at [email protected] or (800) 201-2295.
- The Above Lending Team
Sales person hits you with a lot of hope and promise and then slip in insane interest rates. I get we're here for mistakes made in the past, but the total payout is close to double the loan. Absolutely predatory behavior, preying on those who are just trying to get their life sorted back out.
Reply from Above Lending2026-08-12
Hi Duane,
Thank you for taking the time to share your experience. We understand that the interest rate, loan terms, and total repayment amount are all important considerations when deciding whether a loan is the right fit.
While taking an Above Graduation loan is a completely optional path, many customers choose this option because it allows them to graduate from their debt resolution program sooner, in as little as 60 days, and move to a more predictable payment amount and repayment schedule. There are also no prepayment penalties, so customers have the flexibility to make additional payments or pay more when able, which can help pay the loan off sooner and reduce the overall amount of interest paid under the simple interest structure.
The total interest reflected in the loan agreement is based on making only the minimum scheduled payments for the full term of the loan. Customers who are able to pay more than the minimum can pay the loan off sooner and reduce the overall interest paid.
We want to help make sure you have a clear understanding of your loan terms and the options available to you. Please feel free to reach out to us at (800) 201-2295 or [email protected]. Our team would be happy to walk through your loan and repayment plan with you and answer any questions you may have.
- The Above Lending Team
Staff is nice, but I was offered a loan which would help me with paying off my debt and I am now worse of than I was before. I owe more money now than when was just paying off the debt consolidation company. I was told the loan included cash and I never got that either. Was given inaccurate info and I'm now worse off than before and have no cash to use for emergencies and since I'm now paying more than before am unable to save up.
Reply from Above Lending2026-08-12
Hello,
Thank you for taking the time to share your experience. We’re glad to hear you had a positive experience with our team members, though we’re sorry to hear about your concerns with the loan and the promotional amount you expected to receive.
Above Lending loans are designed to provide a structured repayment option that can help customers resolve enrolled debts sooner. There are also no prepayment penalties, so customers have the flexibility to make additional payments or pay more when able, which can help reduce the overall interest paid over the life of the loan.
We’d also like to better understand what happened with the promotional offer you mentioned. Any promotional amount associated with a selected loan offer should be reflected in the loan agreement provided before signing, and we’d be happy to review your account and the offer you received to help provide some clarity.
Unfortunately, there isn’t enough information included with this review for us to identify your account. If you have not done so already, please reach out to us at (800) 201-2295 or [email protected] so our team can take a closer look.
- The Above Lending Team
Steve Ward was very helpful & courteous who made me feel comfortable & made the process easier to understand.
Reply from Above Lending2026-08-12
Hi Patricia!
Thanks so much for the review, and congratulations on getting started with your loan!
We're delighted to hear that Steve made you feel comfortable and helped break the process down in a way that was easy to understand. That combination of courtesy and clarity is something we truly value in our team.
Please don't hesitate to contact us at (800) 201-2295 or [email protected] if we can ever help.
- The Above Lending Team
Explaining everything was wonderful, I was able to understand the situation and was definitely on board. Great phone call.
Reply from Above Lending2026-08-12
Hi Victoria!
We really appreciate you sharing your experience, and congratulations on your approval!
It's wonderful to hear that everything was explained clearly enough that you felt confident and on board by the end of the call. That kind of understanding makes all the difference.
If questions ever come up, we're here to help at [email protected] or (800) 201-2295.
- The Above Lending Team
Hi Cheryl!
Thank you for taking the time to leave a review, and congratulations on getting your loan process moving!
We're glad our team was able to respond quickly. We know timing matters, and it's great to hear we could keep things moving for you.
Should you need anything in the future, please don't hesitate to reach out at (800) 201-2295 or [email protected].
- The Above Lending Team
Adler, was very patient and professional.
Made sure I was clearly informed of options & process
Reply from Above Lending2026-08-12
Hi Michael!
Thank you for the review, and congratulations on getting approved!
We're glad to hear our team member provided you with such a great customer service experience and was patient and professional, and made sure you were clearly informed of your options and the process every step of the way.
If you need anything, please feel free to contact us at [email protected] or (800) 201-2295.
- The Above Lending Team
Daryl was absolutely fantastic! He was so personable and very knowledgeable. He made the process a breeze and answered all 800 questions my husband and I had lol.
Reply from Above Lending2026-08-12
Hi Alexis!
Thank you for the fun and kind review, and congratulations on this amazing new chapter! Welcome to the Above Lending family.
We're so happy to hear Daryl made the process a breeze and patiently answered every single one of you and your husband's questions. His knowledge and personable approach are exactly why customers love working with him.
Should you ever need us, please reach out at [email protected] or (800) 201-2295.
- The Above Lending Team
Everyone that i had contact with was personable and helpful with my questions. Took time to explain paperwork and offers for loans. Offered help on finding info on credit companies i could not find.
Took time to share part of there day while on the phone waiting for paperwork reviews.
Reply from Above Lending2026-08-12
Hi there!
Thank you for sharing such detailed feedback, and congratulations on your new loan with Above Lending!
We love hearing that our team took the time to walk through your paperwork and loan offers, helped point you toward information on your credit companies, and even kept the conversation going while your paperwork was being reviewed. That personal touch is exactly what we hope every customer experiences.
If you need anything along the way, we're here to help...you can reach us at (800) 201-2295 or [email protected].
- The Above Lending Team
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