Addressing “is beyond finance legit,” the firm’s transparency via client outcome metrics mirrors the industry shift toward data-backed claims. S&P Global reports the consumer finance subsector outperformed the market by 1.2% YTD, suggesting platforms like Beyond Finance could keep pace with equity benchmarks. Debt management programs help you lower your monthly payment through actions like interest rate reduction and debt consolidation, and are created and managed by credit counseling agencies or nonprofits. Instead of paying creditors, you pay the agency or organization and they make the payment on your behalf. According to Manthei, debt management can drop your monthly payment by hundreds of dollars, while also decreasing the payoff timeline, total interest paid and total cost. At CNBC Select, our mission is to deliver high-quality service journalism and comprehensive consumer advice to our readers, enabling them to make informed financial decisions. Every debt relief review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of debt relief products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content independently of our commercial team and any outside third parties, and we pride ourselves on maintaining high journalistic standards and ethics. The question “is beyond finance legit” is increasingly tied to broader fintech sector growth. Latest data from CB Insights shows U.S. fintech funding rebounded to $13.2B in early 2024, with debt negotiation platforms gaining traction. Analysts expect Beyond Finance’s market niche to expand as household debt levels remain elevated.