Great service and excellent job
Great service and excellent job. Excellent communication!
About finally
Data updated- Website
- finally.com
- Category
- Money & Insurance
- Location
- United States · Boca Raton
- Status
- Unclaimed
- Last 12 months
- 70 reviews
- Replies to negative
- 13% (5/40)
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Is finally legit?
finally (finally.com) has a 2.7 out of 5 rating on OK.one, based on 70 user reviews collected here. It is listed under Money & Insurance and its reputation is poor. Opinions are polarized: 40% rate it 4 stars or higher while 51% give 1 star; The business has replied to 13% of negative reviews. Last updated 2026-08-10.
What people say
They were great to work with and…
They were great to work with and delivered as promised. However. There was a miscommunication resulting in a declined payment which led to my account being cancelled. I am trying to get my account re established. I still would recommend Finally for any new business trying to build credit worthiness.
Credit balance reduced to zero
Credit balance reduced to zero. No explanation. No customer support. Would recommend other companies stay away from Finally.
Bad Customer Service System - Your Rep can't help you and they don't answer
They freezed our business cards, halted our operations, and completely ignored us. This is the absolute worst, most unhelpful experience I have ever had with a financial institution. They are actively playing with people’s livelihoods and their reliance on their services. I would never recommend a company where you cannot get in contact with a responsible party, or where front-line staff are so restricted that they cannot transfer you to anyone higher up or capable of fixing a crisis, while simultaneously admitting they have no idea how to resolve the issue and can't explain the issue because it came from another team, and there is no way to contact that team. The representative they gave us was utterly useless. What is her actual job? Is she just a pretty face you put there to act as a shield, or do you actually trust her? As a trusted partner, her role should be to facilitate solutions for us. Even if she could not fix the issue directly, she should have had the authority to call the risk team directly and expedite this. This is a freaking business, not a game. Expecting a business client to wait 30 days for an email response is reckless and dangerous. What if I was stranded somewhere? You have blocked a company’s operations for weeks with absolutely zero communication and no one to help us to resolve the issue. I do not know who your COO is, but they need to be fired immediately. No smart person or even a regular person who has been to business school in the last few decades would ever design a broken, isolated system like this. You can hire me to replace them; I hold a Bachelor’s Degree in Business Management, I can do a better job, and looking at your current structure, I can guarantee you will not last another 10 years in business operating like this. Furthermore, you clearly do not care about your customers' needs. Three weeks later, no one has called or answered us. I will never recommend you to another business, and I honestly wish nothing but failure for your institution.
Don't do it
Had Finally for a few months. Loved the idea of my technicians being able to upload receipts to the Finally portal, which is integrated with QBO. Started off great, the cards were finicky at times and declined randomly. Then about two weeks ago, the cards started declining for gas- our most common transaction and then for other things. I could not get ahold of my account rep. Spoke to a rep through the Finally portal and was told by that person that Finally decreased our credit limit by $30,000.. they did not notify us. I was told by the same rep that they did this to numerous companies. It's been almost a week since I contacted my account rep, still not have heard back. I ended up closing our account as we can't operate our business with cards constantly declining and no communication.
UNTRUSTWORTHY
Adding another entry to the saga of Finally reducing our credit account from $30,000 to $0 with no warning, and locking the rewards balance behind a 30 day contact window. Update June 19th, 2026: They have now told me that the rewards program is cancelled and no accrued rewards will be paid out. We had about $2,000 accrued. Others I'm sure lost more but that's still extremely frustrating. Do not trust this company.
STAY AWAY - You have been warned!
UPDATE: Now, Finally is refusing to give us our rewards money, stating since our account is closed, they do not have to honor it. Now for the lawyers to do their work. Stay far away from this group and do not believe these 5 start reviews. I am betting they are all AI generated fakes anyway. As others have stated, this outfit decided to "Silently" cancel alot of accounts, including ours, stating a credit line decrease was placed on our account. When you call support, they will NOT assist your and tell you that their underwriters are the only ones that can speak on the account and they will respond within 30 days.... Wait, what??? The major issue is that we have been using them for years now and have recently switched to them for ALL of our billing needs since they currently also do our bookkeeping. I just assigned our last employee a credit card. They auto drafted our account for the full balance (as always) and then reduced the credit limit to $0.00 with no warning, no email, no phone call. Please do yourself a favor and DO NOT use this company for your financial needs. We currently have 3K of reward point rebates that are now locked into limbo as well. Stay Away.
Similar to others
Similar to others, I'm literally copying and pasting what another guy wrote because the same exact thing happen to me. My Credit line went from $200K to $0 overnight with no warning. They're holding over $5k in rewards. I think the trigger is when you try to use the rewards they cancel you. from David" As others have stated, this outfit decided to "Silently" cancel a lot of accounts, including ours, stating a credit line decrease was placed on our account. When you call support, they will NOT assist your and tell you that their underwriters are the only ones that can speak on the account and they will respond within 30 days.... Wait, what??? The major issue is that we have been using them for years now and have recently switched to them for ALL of our billing needs since they currently also do our bookkeeping. I just assigned our last employee a credit card. They auto drafted our account for the full balance (as always) and then reduced the credit limit to $0.00 with no warning, no email, no phone call. Please do yourself a favor and DO NOT use this company for your financial needs. We currently have 3K of reward point rebates that are now locked into limbo as well. Stay Away.
Warning
Same story happened to us. They auto drafted our account for the full balance (as always) and then reduced the credit limit to $0.00 with no warning. I have reached out to customer service and got the same generic response and other representatives that were involved in the onboarding just have out of office responses going out.
I would definitely advise everyone to avoid this company
I would definitely advise everyone to steer clear of this company. We spent all the time to get Finally cards set up for our employees, only to have our credit limit set to $0 on the morning of the May 15th 2026. Then we could not get a hold of anyone to help us on why all of our cards were being declined. When I finally got a response, they gave me the same response as may others have stated. They couldn't tell me why, just that their risk team assessment changed our available credit amount. This has left us in quite a mess as this is how all of our employees pay for job materials. DO NOT USE THIS COMPANY FOR YOUR BUSINESS!!
Apparently I am not alone in this…
Apparently I am not alone in this experience- we were approved with a 150k credit line for our business as we we lured to their expense tracking setup. Cards were rolled out to employees on a slow burn and what happens when all cards are handed out and employees trained on the setup? You guessed it.. card account restricted. No funds available and our entire credit line is restricted. No warnings. After 10 minutes on the phone, we are advised to email support and get a response in 30 days. Are you joking? What an absolute joke of how to run a business. I am sure something is up on the backend. Regardless- we are severing this relationship and will not be going back. Good riddance.
I didn't have a good experience
I didn't have a good experience. Needs improvement with timely customer service. Tried it a few months. Over promised and under delivered
Currently having the same issue as many…
Currently having the same issue as many others. We’ve been with Finally for nearly 6 months and have 19 cards through them. Up until now, the only issue we experienced was extremely slow payment posting times — despite emails stating payments would post within 3 business days, it was consistently taking closer to a week. Then today, completely out of nowhere, our available balance was reduced from hundreds of thousands of dollars to $0 due to a “risk assessment.” Customer service could provide no real explanation other than to email support, and we were told it could take up to 30 days for a response. Meanwhile, we cannot get ahold of our assigned rep, who seems to be permanently out of office. This has left our business scrambling to find a new expense management platform during one of our busiest seasons. Extremely disappointing experience and unfortunately not something I could recommend to other businesses relying on dependable access to funds and support.
I WISH I COULD GIVE NEGATIVE STARS
I WISH I COULD GIVE NEGATIVE STARS. As others have mentioned here, Finally reduced our available credit to zero at some point the morning of the 15th. No warning, no explanation and noone there to answer calls. When we called our sales person he stated he had been laid off 2 weeks ago. The other two contacts we emailed copy and pasted a standard template that basically said our credit line was adjusted due to an assessment of their risk team. "Adjusted" would imply it was lowered or reduced. They SUSPENDED the entire organizations credit line. Do NOT consider using them for your corporate cards! Our account was always paid on time and we even chose to make additional payments before the due date. This was not because we were in danger of nearing our credit limit, but rather we’ve ALWAYS made weekly payments on our credit card accounts. I would like to note that our cards were shut down the morning AFTER they pulled our most recent payment due from the statement closing. They left us with all our cards declining with no help or support. Horrible company, horrible customer service.
Unacceptable and Warning to all Small Business Owners
What an actual joke of a company. We worked with the Finally team for over 6 months to gear our teams up to transfer to their systems. We were online with them for a month. All of a sudden our cards and teams were all getting denied. Without warning they cancelled our credit line from multiple tens of thousands a month to $0 over night without warning, notice, or reason. This was a major disruption to our teams and a complete waste of our time and resources to incorporate into our business.
DO NOT USE THIS COMPNAY!
DO NOT USE THIS COMPNAY!! They were very "helpful" in their sign on process and called/emailed almost daily. We always made our payments on time and had our cards for around 3 months. The company abruptly canceled our cards without warning and we had employees out of town that were stranded and ended up having to use their own personal bank accounts to fuel up. It has been an absolute nightmare to switch all of the accounts we had on autopay from these cards. Everyone we've spoken with in customer service keeps telling us it's a risk assessment and cannot give us any more information. If I could give a zero star review I absolutely would. Steer clear!
Poor way to run a business
We are having the same issue as many other companies with Finally declining all transactions on our corporate cards with zero notice or explanation. We were set up with autopay and they received their money in full each month and could not provide us with the common decency of letting us know in advance of any issue so we could make necessary adjustments to our vendor payments. This is a very poor way to conduct business and very unfair to consumers.
Finally has been a highly professional…
Finally has been a highly professional and wonderful bookkeeping service. From start to finish (continued services) I have been consistently pleased with the quality of service, timeliness, attention to detail, and also relative value for the quality provided. All of the staff show a dedication to excellence and I feel truly care about the success of their client with managing their business and finances. I actively recommend Finally to others for bookkeeping, accounting, and professional services. Jose and his team are recommended.
Worst Corporate Card to Use with Zero Client Communication
We experienced the same issue as several others. Without any notice or explanation, they reduced our available credit to zero the day after our most recent payment posted. We have been a client of theirs for almost two years and never had a late or missed payment. When I reached out for an explanation, I was given the old I cannot give you any details but here is an email to reach out to...with no further response of course. DO NOT use this card, not only are the rewards mediocre but the integrations often glitch and have issues. This is by far the worst corporate card we have ever used as a business, and the customer service is nonexistent!
The worst customer service ever
The worst customer service ever. I had to call 21 × to finally reach a human being to tell me that the card that I was approved on want working instead i was unapproved. How does that happen?What a waste of my time