beyond finance above lending

We’re more than just a collection agency.

For over 38 years, ConServe has been an unrivaled leader in providing effective and ethical collection services to financial institutions nationwide. Our hands-on, customized approach to collections will increase your debt recovery, all while putting your consumers on the path to financial freedom.

Ready to get started?

Complete the form to request your meeting today and let us help you take the first critical step in evaluating your collection portfolio.

Above Lending, Inc. is a next-generation financial services company. They provide loan products with affordable payments, competitive rates and personalized support from a dedicated team of loan specialists.* 

They work hard to simplify the lending experience with a fast and easy application process. They are also passionate about making consolidation loans more affordable and accessible for people struggling with debt.

A Partnership That Puts Clients First

Since 2011, Beyond Finance has worked hard to help people struggling with debt achieve financial freedom. In that time we have earned the trust of thousands of clients as well as top accreditations of our industry. 

We built this strong reputation by putting our clients first which is why, as our partner, we hold Above Lending to the same high standard. Since 2021, they have gone above and beyond to uphold our shared values.

Our shared values include:

  • Providing accessible solutions for people with debt.
  • A client-first approach.
  • An easy and transparent process.
  • Personalized plans and support.
  • Compassionate customer service.

Above Lending’s Positive Impact

The true measure of any financial service is the impact it has on its clients’ lives. Since 2021, Above Lending has earned more than a thousand 5-star reviews on Trustpilot as well as accreditation and an A+ rating from the Better Business Bureau. These excellent results reflect the quality of their products and commitment to helping clients achieve their financial goals. 

Above Lending, Inc. (“Above”) (NMLS #1869563) markets, brokers, and/or originates unsecured consumer installment loans on behalf of itself and its Lending Partners. Offers presented through this website are estimates based on limited information we have about you. Approval and loan terms vary based on credit determination and state law. By applying for a loan, you are consenting to us sharing your information with Lending Partners and affiliates. Products and services may not be available in all states.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

During your program enrollment, if you make consistent, on-time deposits (and meet the rest of Above Lending’s criteria), you’ll be eligible to apply for the Above Graduation Loan. At this point, you must make an important decision for yourself: 

This is worth real consideration because there’s no one-size-fits-all answer. There are benefits to each option and in making your decision, it’s important to determine your priorities.

Let’s break down the advantages of both taking the loan and continuing your Beyond Finance program so you can make the best decision for you!

How Each Option Works

Most people reading this are likely already familiar with how the Beyond Finance program works: you make deposits into your Dedicated Account, and once you’ve built up enough funds to give our negotiations team leverage, they reach out to your creditors and work on your behalf to reach Resolution Offers. 

Once you receive and accept an offer, the funds in your Dedicated Account go to paying off the creditor and Beyond Finance’s fee. Then you build up more funds, and rinse and repeat until all of your enrolled debts are resolved and paid off.

The Above Graduation Loan is an offer available to eligible Beyond Finance clients through our affiliate, Above Lending. If you are approved for a loan, the funds are deposited into your Dedicated Account. This way there’s enough money to resolve and pay off all remaining debts and Beyond Finance fees in as little as 90 days, accelerating your graduation from the Beyond Finance program. Your monthly or biweekly deposit is now replaced with an affordable fixed-rate loan payment.

The Above Graduation Loan vs. Continuing Beyond Finance Program: A Direct Comparison

While it’s true that both paths are great options, they each offer their own advantages. Read on to see which option takes the “win” when it comes to different categories.

Overall Savings

Both options can save you thousands upon thousands of dollars you’d otherwise be paying if you continued to make minimum payments to your creditors, potentially keeping you in debt for decades. However, because the loan has a fixed interest rate, you will ultimately be paying somewhat more in the long run if you go with this option (and don’t repay your Above Graduation Loan early).

Your Beyond Finance program does not require you to pay interest and is designed so that you’ll never pay more than you owed to your collective creditors upon enrollment (our “No Worse Off” policy). For this reason, continuing your Beyond Finance program is the option that will save you the most money.

Credit Score Recovery

Winner:  Above Graduation Loan

While the vast majority of Beyond Finance clients who didn’t go forward with the loan still report a completely recovered FICO score by the time they graduate from the program, not everyone wants to wait that long. The Above Graduation Loan tends to speed up the time to recover your credit score because your outstanding enrolled debts are typically more quickly resolved.

Timeline To Be Debt-Free

Winner:  Continuing Beyond Finance Program

Both options provide a way out of debt that’s typically much faster than continuing to make minimum payments on your existing credit (with constantly accruing interest and fees). But continuing in the Beyond Finance program takes the edge here because the loan option involves paying interest as well. This adds on a bit more time to reach that debt-free life.

Stress Relief

Winner:  Above Graduation Loan

The Above Graduation Loan takes the “W” this time because 1.) clients should no longer have to deal with overwhelming creditor calls, letters, etc. (as the loan accelerates the debt resolution process) and 2.) there’s a real mental health benefit to knowing your enrolled debts are completely paid off and you’re now only beholden to a single loan payment. The stress relief alone is often the reason some clients decide to go forward with the loan option.

The Bottom Line

Middle-aged man smiling at home in front of his laptop

This decision is going to be a highly individual one. For example, if:

  • you don’t have immediate plans to purchase a home,
  • you’re able to let creditor calls slide off your back,
  • and your primary goal is building up savings ASAP,

then continuing your Beyond Finance program as usual probably makes the most sense.

On the other hand, if:

  • creditor outreach is making you overly anxious,
  • you’d like to be granted more credit in the future (i.e. refinance your car payment soon),
  • and you’d like to know that all those outstanding enrolled debts are behind you,

then the Above Graduation Loan is probably the way to go!

The choice must come down to what your immediate priorities and goals are. But ultimately, both options are great ones! Either way, you can see your credit score recover, you can become debt-free, and you’re saving a ton of money by avoiding the prospect of making minimum payments to your creditors indefinitely. 

You’re very much on your way to a debt-free life — it’s just about which path you’d prefer to take to get you there.

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