Above Lending: most-reported complaints
Automated analysis of 381 public Trustpilot reviews published 2025-04-18 to 2026-09-02. TrustScore 4.9 from 5,328 total reviews — see the Trustpilot page. Quick answer: is Above Lending legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report misleading pricing, citing issues with the transparency of loan details. Other frequent complaints involve overcharging, such as undisclosed high APRs, and unhelpful customer support that lacks system knowledge. A significant number of reviews also mention other concerns, including practices related to negotiating with credit card companies. While reports of misleading pricing are rising, complaints regarding other issues and support are falling.
How to reach Above Lending
These are the contact details Above Lending publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone (800) 201-2295, email [email protected], address 650 Dundee Road, Suite 150, Northbrook, 60062, US.
The company claimed its Trustpilot profile on 2020-09-15, uses Trustpilot’s paid features, and last replied to a negative review on 2026-08-12. Trustpilot ranks it 23 of 108 in Financial Institution. We last checked this profile on 2026-09-24 and found 13 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
TrustScore over time
4.8 → 4.9 across 13 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-17 (100%, 0.9d) · 2026-08-20 (100%, 0.9d) · 2026-08-24 (100%, 0.9d) · 2026-08-27 (100%, 0.9d) · 2026-08-30 (100%, 0.9d) · 2026-09-02 (100%, 0.9d) · 2026-09-08 (100%, 0.9d) · 2026-09-11 (100%, 0.9d) · 2026-09-14 (100%, 0.9d) · 2026-09-17 (100%, 0.9d) · 2026-09-20 (100%, 0.9d) · 2026-09-24 (100%, 0.9d).
Severity: 35% of this company’s 52 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 1.9 days between the experience and publishing their negative review (138 reviews record both dates).
US federal complaint record
The Consumer Financial Protection Bureau records 25 complaints against Above Lending — most often charged fees or interest you didn't expect (8), confusing or misleading advertising or marketing (3), incorrect information on your report (3). see the CFPB database
Most-complained-about products: payday loan, title loan, personal loan, or advance loan (8), payday loan, title loan, or personal loan (6), credit reporting or other personal consumer reports (5).
96% of complaints received a company response within the CFPB’s timeliness standard. Closed as: closed with explanation (23), closed with monetary relief (2).
Official US federal complaint records, separate from our review analysis.
Measured reply time: across 188 negative reviews that received a public reply, the median wait was 1.8 days — the company profile reports an average of under a day.
Reply quality: of 188 company replies to negative reviews analysed, 35% engaged with the specific problem and 49% were generic templates.
57% of its 377 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: misleading pricing makes up 40% of this company’s complaints vs a 14% median across 151 ranked companies in its sector.
Review velocity: 1,433 of this company’s 5,328 Trustpilot reviews (27%) were written in the last 12 months.
What are the most common complaints about Above Lending?
Misleading pricing
21 reports · 40% of complaintsrising since 2026-04“transparency of the loan details is appalling”
The company replied on 2025-07-02: “Hi Cynthia, We’re really sorry to hear how frustrating this has been—that’s never the experience we want anyone to have. To help clarify, Above Lending and Beyond Finance are separate companies that…”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“at no time did they provide a comparison of my current arrangements”
The company replied on 2026-05-18: “Hi Timothy, We’re very sorry to hear about your frustration and that your experience left you feeling this way. After reviewing your concerns, we were able to confirm that you connected with one of…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“What they failed to tell me was that the APR is over 27%”
The company replied on 2025-04-30: “Hi Danny, Thank you for sharing your experience with us. We understand how frustrating this situation must be, and we’re currently reviewing everything you've shared with us. We’re gathering all…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Other
12 reports · 23% of complaintsfalling“They don’t tell you initially that what they plan to do is to negotiate with your credit card companies to see that they’re not paid in full.”
The company replied on 2026-03-30: “Hi Bill, We’re sorry to hear about your concerns, and we appreciate you taking the time to share what’s been going on. We understand how frustrating it can be when things feel unclear, especially…”
Our classifier read this reply as a substantive response.
1 reader marked this review helpful on Trustpilot.
“email that I was not approved for a loan that I did NOT apply for”
The company replied on 2025-09-08: “Hi Cindi! We’re very sorry for the trouble you experienced when trying to reach us by phone. Our number at (800) 201-2295 is showing on our side as active and operational, but you can also contact us…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“Predatory lending!”
The company replied on 2025-07-17: “Hi Ronakee! Thanks so much for reaching out! We completely understand how important it is to feel confident in any financial decision, and we’re here to help clarify your loan terms and highlight a…”
Our classifier read this reply as a deflection.
Overcharging
12 reports · 23% of complaintsfalling“What they failed to tell me was that the APR is over 27%”
The company replied on 2025-04-30: “Hi Danny, Thank you for sharing your experience with us. We understand how frustrating this situation must be, and we’re currently reviewing everything you've shared with us. We’re gathering all…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“the total payout is close to double the loan.”
The company replied on 2026-08-12: “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…”
Our classifier read this reply as a deflection.
“I was told the loan included cash and I never got that either.”
The company replied on 2026-08-12: “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…”
Our classifier read this reply as a substantive response.
Support unhelpful
7 reports · 14% of complaintsfalling“The customer service reps have no insight into their own system and cannot provide any information requested.”
The company replied on 2025-07-01: “Hi Sarah! We're really sorry to hear about your experience and appreciate you taking the time to share this. We never want any of our customers to feel frustrated or in the dark when reaching out to…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“The wording on the initial loan offer page was not worded very well. I wanted the optional additional funds.”
The company replied on 2026-04-24: “Hi John, Thank you for taking the time to share your experience with us and for bringing this to our attention. We understand how important clarity is when it comes to your loan and how funds are…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“They had no info about me, wouldn't offer answers to my basic case questions”
The company replied on 2026-04-23: “Hi Christopher! Thank you for taking the time to share your experience, and congratulations on making it through to approval. We truly appreciate you choosing Above Lending and the opportunity to…”
Our classifier read this reply as a template response.
Contract term changes
4 reports · 8% of complaintsfalling“transparency of the loan details is appalling”
The company replied on 2025-07-02: “Hi Cynthia, We’re really sorry to hear how frustrating this has been—that’s never the experience we want anyone to have. To help clarify, Above Lending and Beyond Finance are separate companies that…”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“Also you have added another year of payments.”
The company replied on 2026-03-10: “Hi Paula! Thank you for sharing your thoughts, and first off, congratulations on your new loan with Above Lending. We understand that making changes to how your debt is structured can feel like a big…”
Our classifier read this reply as a deflection.
“I also noticed the total pay back amount (with all the interest) was almost double what I originally owed.”
The company replied on 2026-01-29: “Hi Danielle! Thank you for taking the time to share your experience and for acknowledging our team members. We’re glad to hear your interactions with them were positive. We understand that seeing the…”
Our classifier read this reply as a template response.
Billing errors
4 reports · 8% of complaintsrising since 2026-04“it said immediate funding and yet i see nothing”
The company replied on 2026-06-05: “Hi Omar, Congratulations on your new loan, and thank you for choosing Above Lending. We understand that waiting for funds can be frustrating, and we're sorry if there was any confusion around the…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“I didnt want that amount i tried to change it and i thought it would go to my bank.”
The company replied on 2026-04-07: “Hi Rhonda! Thanks for sharing your experience. We’re really sorry for the confusion around the loan amount and where the funds were going. With this type of loan, the funds are sent to your debt…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“I will be paying more than I would have paying off my credit cards on my own.”
The company replied on 2025-11-14: “Hi John! Thank you for sharing how you’re feeling. It’s completely understandable to look back and wonder whether sticking with your original credit card payments might have been the easier path.…”
Our classifier read this reply as a template response.
Compare Above Lending with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-07.