Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

The Best Structured Settlement Buyers

Who Can You Trust as the Best Buyer for Your Structured Settlement?

If you've been awarded money as the result of litigation, an accident, or any other legal settlement, you likely receive monthly payments for a set number of years. However, that slow trickle of money doesn't do you much good if you need a larger amount of cash right away.

That's where structured settlement buyers come in. These services get approval to buy the rights to a certain amount of your monthly payments, in exchange for a lump sum payment now.

Monday, October 18th

2021 Structured Settlement Buyer Reviews

Top Consumer Reviews Best-In-Class Blue Ribbon Award Fairfield Funding Review 5 Star Rating

Fairfield Funding

5 Star Rating
  • BBB Rating: A+, accredited
Top Consumer Reviews Best-In-Class Blue Ribbon Award

If you want to work with a company that treats you like a valued friend or family member, start with Fairfield Funding for your structured settlement buyout. Everything about this company will have you feeling safe and secure, with no hidden fees or bait-and-switch contracts from your first interactions with their representatives.

Upfront information

Here's a big reason why: Fairfield Funding is one of the only structured settlement buyers that comes right out and tells you what interest rates you can expect when selling: 6% to 18%. They even explain that your purchase price depends on several factors, such as the insurance company making payments to you, the dates and amounts of your payments, and the state of the economy at the time of your contract. You can expect your process to take anywhere from 30-45 days, depending on how long it takes the court to approve your agreement (and some states have mandatory waiting periods as well).

Variety of payment options

When using this service to sell your structured settlement, you can choose from a variety of different payment structures. These include a one-time lump sum payment and a partial buy-out, where they purchase just part of your monthly payment for the rest of the term, or just a certain number of years of the payment term. You're not pigeonholed into any contract that isn't right for you.

100% guarantee

You've got a four-point, 100% guarantee when working with Fairfield Funding. If they can't beat a competitor offer on your structured settlement, they'll pay you $500. They also promise a cash advance in as little as 5 days, and that advance is fixed and no interest. Finally, they guarantee to close your transaction as quickly as permitted by the laws in the state(s) involved.

Best Structured Settlement Buyers

Welcome transparency

This company also offers a great deal of transparency when it comes to other information. Want to know the pros and cons of selling your structured settlement? Not only do they have an article, but also a video with one of their top-level staff explaining it in detail. It's definitely worth it to spend some time reading through the FAQ and other resources on this site.

Impressive customer service

We were impressed to see that Fairfield Funding has representatives available outside of traditional weekday business hours. We connected with a rep via live chat on a weekend afternoon and were immediately able to communicate with someone who could answer our questions. Plus, that person was a native speaker of English - which certainly helps when dealing with potentially complicated financial questions. We're too used to dealing with companies that provide questionable online chat help, especially at odd times.

Positive customer testimonials

One question we posed to our chat representative was, why were the independently-verified customer reviews featured on the Fairfield Funding site were outdated by 2 years. The representative in the chat was able to point us to the most current customer testimonials, where we were happy to find not only a 5/5-star rating average, but also a very responsive customer service team. Time and time again, customers said that Fairfield got them the best rate on their structured settlement buyout, and that the entire process went smoothly and fast.

Excellent BBB rating

Plus, Fairfield Funding enjoys an "A+" rating and accreditation from the Better Business Bureau, with zero customer complaints on file there. These are all strong indicators that this is a service you can trust if you're trying to sell your structured settlement, all or in part.

Highest rating

It's normal to feel apprehensive when making a big financial decision, such as Structured Settlements. Fairfield Funding goes to great lengths to ease your mind and help you make the choices that are best for you. When it comes to selling your structured settlement, Fairfield Funding earns our highest rating.

Peachtree Financial Review 4.5 Star Rating

Peachtree Financial

4.5 Star Rating
  • BBB Rating: A+, accredited

Peachtree Financial has helped tens of thousands of people through buying structured settlements, annuities, lottery winnings and other payment streams since their start in 1996. Since our last review, this service has made considerable improvements and earned a much higher ranking among buyers of structured settlements.

Going the extra mile

The Peachtree website makes sure you understand everything there is to know about a structured settlement buyout, from all of the steps in the process to possible ways to use a lump sum payment. They even go so far as to give you advice if you're using it to pay for education, renovate your home, or invest in a business! Talk about going the extra mile.

Simple process

Their process is very simple: give them a call and get a free quote, once they've reviewed your case and gotten the necessary details. If you accept their offer and sign the paperwork, they'll begin the process of filing a petition with the court (you may have to appear in person to explain why you need a lump sum or partial buyout). You'll have one representative throughout the entire process, and they'll be well-acquainted with the particulars of your case: no need to talk to multiple people across the company.

60-90 days

When the court approval comes in, you can either have the funds sent directly to your bank account or get a check in the mail. How long until you get your funds? Most Peachtree Financial transactions take 60 to 90 days to be completed. They also offer cash advances within 24-72 hours of receiving your documents, if you live in a state that allows it.

Best Structured Settlement Buyers

Great information

This service offers one of the most comprehensive websites to give you an understanding of the whole process. Are you wondering what specific questions might be asked? Which documents you'll need? What will be in the purchase contract? You'll find all of that and more explained in detail. The only piece we didn't find that would have been useful was an estimate of their fees and/or interest rates when buying a structured settlement.

Award winning efforts

Peachtree Financial Solutions earned several awards from 2010 to 2014 (and maybe after, though their Awards page on the website doesn't mention any). Unfortunately, none of them specifically referenced buying structured settlements - just litigation and law firm funding, primarily. That left us wondering if structured settlements aren't their primary area of expertise.

Positive customer feedback

Peachtree Financial has an "A+" rating at the BBB, along with accreditation. We found a handful of customer complaints, but the majority of them were regarding unsolicited mail and not the actual process of selling a structured settlement. And, when looking at customer reviews that have been independently-verified by a third-party service, this company fares well: averaging a 4.5 out of 5 stars, with customers saying good things about Peachtree representatives, especially their in-depth knowledge of the particulars of any given state in which their customers may reside.

One of our top choices

You have a lot of options for selling your structured settlement, and Peachtree Financial is worth considering. Start by reading through all of the information they offer on their website, and we're sure they'll wind up being one of your top choices for excellent customer service and solutions that match your needs.

DRB Capital Review 4 Star Rating

DRB Capital

4 Star Rating
  • BBB Rating: A+, accredited

DRB Capital has come a long way since our previous evaluation. They've put in the work to strengthen their reputation, as demonstrated by a flawless rating and accreditation from the Better Business Bureau. We're always glad to see companies change for the better, and this is a big positive for DRB Capital.

Single representative to guide you

Another plus of using this service is that you'll have a single representative for your entire process. That ensures that you won't have to spend valuable time explaining things over and over again to a new rep every time you call. Instead, you'll know that the person assigned to your case is the only point of contact you'll need, and that they will be well-versed in the state laws governing your payout.

Live chat

Live chat is available Monday through Friday from 9am-5:30pm (EST). You'll find similar availability for their toll-free number. Of course, you can fill out their Quick Cash form anytime to start the process - though you'll still be waiting for regular business hours to hear from a representative.

Best Structured Settlement Buyers

Eager for your business

DRB Capital is eager for your business. On the Quick Cash form page, look for some perks. For example, at the time of our review, new clients could get a $100 gift card with a phone quote if they provide proof of their structured settlement and contact details. We also found a matching guarantee: if you get an offer from DRB Capital and then secure a better arrangement from one of their competitors, DRB will meet or beat the offer, or give you $50. Finally, they also offer a funding guarantee of $25,000 if you sign their contract and meet all of the conditions and requirements, but your transaction still isn't funded. That shows you how confident they are that they'll be able to deliver what they promise.

Customer compliments

Customers have good things to say about the help they got from DRB Capital. Compliments include friendly, knowledgeable representatives, and getting lump sum payments as quickly as 45 days from the start of the process. Most of the client reviews we saw gave DRB Capital 4 or 5 out of 5 stars.

Could be more upfront

Our major complaint is that this service could do more to explain what their services might include, to give prospective clients a better idea before they even make that phone call or fill out the online form. When we compare their website with their rivals', DRB Capital could offer an FAQ - what documents people will need to gather, expected timeframes, etc. - or give examples of how a structured settlement buyout might be set up. We find much more upfront information on our higher-ranked competitors' sites.

Solid rating

Is DRB Capital a trustworthy place to handle your structured settlement? Yes. We're confident that they'll handle your situation in a way that's personalized to your specific needs. Could you get more upfront information with another service? That's also true, but we still give this service a solid rating because of the progress they've made and their attention to the individual customer.

Stone Street Capital Review 3.5 Star Rating

Stone Street Capital

3.5 Star Rating
  • BBB Rating: A+, accredited

Stone Street Capital is no newcomer to buying structured settlements, with over three decades of experience. Their website is, for lack of a better word, cute: you'll find funny illustrations featuring a cow throughout the site, explaining what to expect during your process.

How it works

You'll get started by giving the company a call to discuss your financial situation and hear what cash options are available. Check out the "How It Works" page to find detailed answers to questions like "How much money can I get?" and "Why should I consider a lump sum cash option?" You'll find even more info in the FAQ, though many of those topics aren't directly related to structured settlements.

Lack of fees and interest rates

Stone Street Capital isn't overly upfront with the details of their structured settlements. Some providers tell you what fees or interest rates you can expect, or even the average time it takes their clients to receive their payments. We didn't see that information given on the Stone Street site.

Best Structured Settlement Buyers

Excellent customer service

However, the customer service representatives are very friendly and informative. When you speak with them, they don't give you a pushy sales pitch. Instead, they'll calmly answer your questions and guide you through the process. Their focus on customer education and satisfaction is commendable.

Several issues

Stone Street Capital is part of the JG Wentworth family of companies, which means you can expect a similar reputation and customer experience. However, we found several issues specifically with Stone Street that were cause for concern. Back in 2015, a case in Florida was settled under a strict confidentiality agreement; in the case, it was alleged that Stone Street Capital forged an elderly woman's signature in order to complete the purchase of her rights to lottery winnings of over $2 million. A few years later, a NYC law firm that represented several structured settlement purchasers, including Stone Street Capital, entered a guilty plea with respect to forging the signatures of judges on sale approval orders. Granted, Stone Street sued that firm for legal malpractice, but it still indicates a red flag you should be aware of.

Strong BBB rating

Importantly, Stone Street Capital maintains an "A+" rating and accreditation from the BBB. This is a good factor to know when you're entrusting a company with your finances. We feel this is a reflection of their business operations and customer focus.

Worth consideration

In spite of the issues and lack of detailed information on their website, Stone Street Capital has a strong history and customer focus. They're a good choice for your Structured Settlement buying needs, and are worth your consideration.

JG Wentworth Review 3.5 Star Rating

JG Wentworth

3.5 Star Rating
  • BBB Rating: A+, accredited

JG Wentworth has been around for almost 30 years, specializing in financial services for customers who need access to cash, often due to financial hardship. Buying structured settlements is just one of several programs in their wheelhouse, along with debt relief services and lottery/casino payment purchasing.

I want my money and I want it now

In some parts of the U.S., they're best known for their 877-CASH-NOW TV jingles - but cheesy commercials aside, this company has completed more structured settlement payment sale transactions than any other in business (over $8 billion in future payments!), and they continue to maintain accreditation and an "A+" rating from the BBB.

Plenty of information

The company offers plenty of information to help you in the decision to sell your structured settlement payments. First, they describe several situations that some customers may not even realize are eligible, such as medical malpractice, personal injury, or wrongful death settlements. Next, JG Wentworth gives you some ideas of what you could do with a lump sum payment: how about starting a business, making a down payment on a house, or paying off debt? Finally, they walk you through the overall process of selling your structured settlement, whether you choose their service or a rival's.

Decision making guidance

We strongly recommend that you spend some time browsing the tabs at the top of the page, to get a deep understanding of how the process works. Even if you don't wind up using JG Wentworth for your structured settlement buyout, you'll have enough information to guide your decision-making.

Best Structured Settlement Buyers

Variety of payment options

Unlike many of the structured settlement buyers we evaluated, JG Wentworth is clear about the multiple options you have: sell all of your payments, sell a portion of each payment (such as $200 out of every monthly payment of $600), or sell a time period of payments (such as 10 years out of a 30-year payment plan). We appreciate that they don't make it an all-or-nothing deal, so that you can have the arrangement that makes the most sense in your situation.

Get a quote

To get started, you'll need to either click the Get a Quote button or give them a call. During your initial consultation, you'll have all the time you need to describe your circumstances, needs and goals - in other words, why you're giving them a call. Your representative will make sure to find out the necessary details about your payment policy, and then present you with a purchase offer.

Mixed customer reviews

Unfortunately, JG Wentworth's customer feedback wasn't as positive as some of their competitors. Don't get us wrong - an average just over 4 out of 5 stars is still very good. However, we found enough 1- and 2-star reviews to give us pause. Those lower reviews were often from people who used this service and later found out that they could have gotten a much better deal through another company, or who had issues with payments being lower than what their representative had promised them. On the other hand, the 5-star reviews are plentiful and usually filled with praise for helpful reps and quick payments, so caveat emptor.

Working with several people

Another drawback with JG Wentworth is that you will not have a dedicated representative for your structured settlement buyout. While they try to keep you in contact with the same person throughout the process, they don't guarantee it, so you may have to work with several different people.

Mixed customer reviews

While we love how thorough this company is, particularly with detailing what to expect during the process of selling a structured settlement, the extremely negative feedback from more than a few people brought JG Wentworth down in our rankings.

CBC Settlement Funding Review 3 Star Rating

CBC Settlement Funding

3 Star Rating
  • BBB Rating: A+, accredited

CBC Settlement Funding has been around since 2009 and is based in Pennsylvania. As with most of the services in our review, they have an "A+" rating and accreditation from the Better Business Bureau, which is always a must when choosing a service to buy your structured settlement.

Ethical commitment

Something that stood out to us with this company is their commitment to ethical processes. They specifically state that if their experts analyze your paperwork and conclude that selling your structured settlement is not in your best interests, they will actually advise you against doing so. That's a big plus in an industry that can sometimes feel a little shady.

Lots of good information

You'll also have plenty of help understanding the process of structured settlement buying if you take the time to browse this company's website. Whether you want to know about your payout options, the process for selling your settlement (in full or in part), or what steps to expect, you'll find all of that here. However, when we tried to read any of the FAQ subjects (like risks involved or necessary documents), nothing opened up when we clicked on the plus sign. We're hoping that it was a temporary glitch in the site, but you may come up equally empty on your visit.

Best Structured Settlement Buyers

More transparency desired

In that vein, it's possible that CBC Settlement Funding provides information about what fees and rates you can expect when they buy your structured settlement - but we didn't find it in the parts of the site that were working when we last went to the site. We'd definitely like more transparency in that regard.

Complaints and negative reviews

Another negative mark for CBC Settlement Funding is that they don't have the pristine track record of customer feedback like most of our higher-ranked providers. There were several complaints and bad reviews - which received appropriate responses from CBC Settlement Funding representatives, hence the still-solid rating from the BBB. But, compared with services that have been in business longer and without any registered complaints, this company doesn't quite measure up.

Middle of the road

In general, CBC Settlement Funding is just average when it comes to providers of structured settlement buyouts. You probably won't have a horrible experience, but it might not be the most informed, customer-friendly process either.

RJE Capital Review 2 Star Rating

RJE Capital

2 Star Rating
  • BBB Rating: Not Listed

RJE Capital doesn't inspire much confidence when it comes to being a trusted provider of structured settlement buyouts. Aside from a blog, you won't find a lot of information on their website to detail what to expect from their service.

Handoff?

Instead, you'll have to fill out their online request form - which actually states, in the fine print at the bottom, that entering your phone number means you agree to be called by an RJE representative "or another trusted partner". Why would RJE Capital be handing you off to another service, straight out of the gate? That doesn't sound good.

BBB red flag

Another red flag was the lack of a listing with the BBB. Unlike the other buyers of structured settlements in our review, RJE Capital doesn't have any rating or accreditation there that we could find. What's amusing is that in one of the blog posts on this company's site, it says that you should make sure that any service you use has a positive rating from the Better Business Bureau!

Best Structured Settlement Buyers

Unsecure webpages

In addition to this, some of the URL's for some of the pages on the RJE Capital website show as being "not secure". When dealing with something as financially impactful as selling off the rights to a settlement, you want to know that the service is 100% vetted and trustworthy.

Misses the mark

Unfortunately, RJE Capital doesn't meet our standards when choosing a buyer for structured settlements. There was really no transparency available respecting their services: what's offered and for what fees. Plus, with no customer testimonials available on this site or elsewhere, and no apparent listing with the BBB, this company just doesn't compete with the well-established, higher-ranked services in our review.

Compare the Best Reviews

Continued from above...

Of course, a court will have to approve the terms in order for your structured settlement to be purchased, and it's still critical that you understand all of the particulars before signing on the dotted line. Fortunately, the buyer of the settlement takes on most of the responsibility for doing the legwork: drafting the agreement, getting approval from the court, and setting up the relationship with the payer.

Not all structured settlement buyers are created equal. While there are some that have been in the industry for decades, other opportunistic services seem to pop up overnight, hoping to make an agreement that is more to their benefit than yours. How can you tell which service can be trusted to get you a payout that's fair?

Here are a few criteria you should consider when selecting a structured settlement buyer:

  • Reputation. The best structured settlement buyers have a longstanding track record of honesty and integrity. Look for a strong rating from the Better Business Bureau, preferably with accreditation as well. Also, find out what previous clients say about their experience when using the service.
  • Process. Starting with their website, the settlement buyer should have a process that is easy to understand, transparent with respect to fees and timelines, and informative.
  • Customer Service. How easy is it to get help with your structured settlement buyout? Does the service provide help during regular business hours only, or at other times for those who can't make a phone call during the day? Can you expect representatives that are courteous and knowledgeable?

TopConsumerReviews.com has reviewed and ranked the best structured settlement buyers available today. We hope this information helps you choose the right service to get the funds you need quickly and fairly.

The Best Structured Settlement Buyers Compare Structured Settlement Buyers Compare Structured Settlement Buyer Reviews What are the best Structured Settlement Buyers Best Structured Settlement Buyer Reviews

Structured Settlement Buyer FAQ

A structured settlement is usually awarded after an accident or a win in court. Instead of a one-time lump sum payment, the money is distributed monthly for a certain number of years.
You may want to consider a structured settlement buyer. You sell all or part of your settlement to their company in exchange for a lump sum payment now.
Simple: they make money from it. Most structured settlement buyers/companies levy interest rates on the buyout, which can range from 5-20%. You'll want to get a complete listing of all of the terms and fees before agreeing to sell your structured settlement, especially since some companies are more upfront than others with that information.
They might sound shady, but structured settlement buyouts are fairly common. It's a win for the client who can't wait months and years for their payments to trickle in, and it's a win for the service that makes money on the transaction.
Reputation is everything. If you're considering a structured settlement buyout, be sure the company you choose has a solid reputation: find out what previous clients have to say about the process and experience, and definitely see if the Better Business Bureau has given the service a positive rating. You don't want to entrust such a large financial decision to any buyout provider that can't prove their dependability.
Yes, there are several. First, understand that a settlement buyout will have to be approved by the court. Depending on the circumstances of the settlement, a judge might not give a buyout the green light. Next, if your monthly payments are intended to take care of regular expenses for many years, but you spend a lump sum all at once, you may not have the money you need to pay bills in the future. Another consideration is whether a lump sum payment can disqualify you from receiving Medicaid and SSI benefits. There are other situations where a structured settlement buyout wouldn't be in your best interests; it's worth discussing it with your financial advisor, attorney, or anyone else who can give you an objective assessment of the situation.
Many factors impact how quickly you can get the lump sum payment from your structured settlement. Not only does the court have to approve the arrangement, but some states also have mandatory waiting periods to take into account. Your process could last anywhere from 30-90 days, so don't expect to have a check in hand the day after you contact a structured settlement buyer to get more information.
We recommend that you start by browsing the websites of several companies that offer structured settlement buyouts. You'll find plenty of details about how the process works and what to expect, and you may even find answers to your questions before speaking with a representative. Those representatives will be extremely eager to talk with you, which is why it can be helpful to already have done some research before you reach out. Some services have a live chat feature where you can get help too, if you prefer not to make a phone call or fill out an online form.
See the Best Structured Settlement Buyer
The Best Reviews of Structured Settlement Buyers