Accredited Debt Relief Review
Debt settlement plus consolidation-loan referrals from one intake, with fast first settlements.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 29, 2026.
Our verdict
The typical fee sits near the 25% ceiling of a 15% to 25% range, charged only once a settlement is approved, and you need $5,000 or more of unsecured debt; fees and options vary by state. One application compares settlement with consolidation-loan referrals. The brand is a marketing arm of Beyond Finance, and 2026 class actions are pending, so check which entity you're signing with.
Skip it if you owe less than $5,000 in unsecured debt, or if its program is not offered in your state.
About Accredited Debt Relief
Debt settlement plus consolidation-loan referrals from one intake, with fast first settlements. Accredited Debt Relief is offered by Beyond Finance, LLC (Accredited Debt Relief). Our editorial rating is 3.7 out of 5.
Best for: Borrowers who want settlement and loan options compared in one place.
Editorial grade: B (composite score 73/100).
Highlights
- Settlement program run by parent Beyond Finance, with loan referrals when you qualify
- First settlements can land in 1-3 months
- Trustpilot 4.8
What we like
- Both settlement and consolidation paths from a single application
- No fee until a settlement is reached and approved
- A+ BBB, accredited
Where it falls short
- Fees and program options vary by state
- Typical fee sits near the 25% ceiling
- Brand is a marketing arm of Beyond Finance; scale claims blend the two entities, and 2026 class actions are pending
Fees, minimums, and rates
Monthly fee: 15%–25% of enrolled debt (success-based, no upfront fees). Minimum to open: $5,000+ unsecured debt. Rates and fees last checked on September 29, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Beyond Finance, LLC (Accredited Debt Relief). It is built from Beyond Finance, LLC (Accredited Debt Relief)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Debt Relief shortlist. The rubric is the same for every brand.
Similar products to compare
Read our full editorial methodology for how we review products.