Tuesday, January 21st
2025 Structured Settlement Buyer Reviews
Fairfield Funding
- Informative and frank website
- Best price guarantee or $500 payout
- "A+” Better Business Bureau rating
In a field dominated by high-pressure sales tactics, Fairfield Funding is a breath of fresh air. With one of the most informative and helpful websites we have found, and a series videos on YouTube to help you understand structured settlement selling, Fairfield Funding stands out as a company that first informs their potential customers as to the importance of understanding all aspects of a structured settlement, helping them understand the gravity involved in selling it upfront for cash.
Upfront and informative
Fairfield Funding is one of the most informative companies on our list. Their website details almost everything you might want to consider when selling your structured settlement, and includes a long list of traps to watch out for (such as overpriced discount rates), considerations, and - most importantly - the recommendation that you talk to your attorney and/or financial advisor before selling your settlement. In addition, they let you know that their discount rate (one of the charges leveraged against you to account for risk) is between 9%-18%, and they encourage you to shop around to find an ideal rate.
No high pressure sales pitch
Fairfield Funding's centrally-positioned informative tips heavily contrast them with some of their exploitative peers, who often pressure you to contact them first, and encourage you not to think too much about the potential disadvantages of selling your structured settlement. While Fairfield Funding does encourage you to reach out to their customer representatives, whether through email or phone, they don't overwhelm their website visitors like other companies. Rather, it seems Fairfield Funding's ethos is one of first informing their customers, and then working with them, That's something we here at Top Consumer Reviews thoroughly appreciate.
A $500 best price guarantee
Fairfield Funding guarantees that you can receive a no-interest cash advance after 5 days, and that they will offer the lowest price in fees or pay you $500 (this requires a copy of a competitor's offer in writing, however, and the acceptance of their structured settlement purchase). In addition, they guarantee that they will close the transaction and get you your money as quickly as the law allows in your state. While the trustworthiness of the buyer is first and foremost, we welcome that Fairfield Funding offers these additional guarantees.
Few complaints and a good rating
Fairfield Funding has received a respectable number of positive reviews on aggregate review sites, which usually mention the courtesy and respect Fairfield Funding has shown to their customers. Fairfield Funding has also received an "A+” rating with the Better Business Bureau, but more importantly, they only have one complaint against them on the BBB - which was immediately addressed (and was actually invalid to begin with). Having few customer complaints on the Better Business Bureau goes a long way in securing our recommendation, as it is a testament to the overall quality of their company.
A potentially equitable partner
While you should never consider selling your structured settlement without first contacting a financial advisor, if selling a whole or portion of your structured settlement is right for you, you should very well consider Fairfield Funding. As one of the all-around best buyers of structured settlements, you should feel comfortable discussing them with your attorney or financial advisor. As they seem keen to ensure their sellers are informed and well-represented, they will likely make an equitable business partner in the negotiation of your structured settlement sale. They earn our highest rating for buyers for structured settlements.
More Structured Settlement Buyer Reviews
The 8 Best Structured Settlement Buyers
What's the Best Structured Settlement Buyer on the Market?
Well, it's a critical question, and one that should be explored with care. Many receive a structured settlement as an annuity paid over a long period of time in compensation for injury or malpractice. While the stable income of a structured settlement can be a necessary key to financial security, many people are often left in a bind when they need money for a sudden expense or emergency, and are unable to procure the collateral for a loan.
That's where structured settlement buyers come in. These companies offer a single lump sum of cash in exchange for your monthly payments, giving you the up-front capital you need to manage a crisis, or make a needed purchase/investment.
Structured Settlement Buyer FAQ
Continued from above...
It almost goes without saying that you should take care when you sell your structured settlement. While there are reputable buyers out there, many companies appear out of nowhere, or engage in less-than-reputable business practices. As the sale of a structured settlement is a major decision, a bit of careful investigation to determine the quality of the buyer can go a long way towards a transaction you'll be happy with.
Typically the sale of a structured settlement requires that you appear in court to talk to a judge in order to determine that you understand the particulars of the sale of your structured settlement, and that the sale is in your best interest. While potentially annoying, your court appearance is a critical step in the process, and something that directly protects you as a consumer.
Before this step, companies are required to advise you in writing that you can hire independent legal counsel to review your sale in court with you. This is strongly recommended, as legal counsel and financial advice can give you power and leverage in your structured settlement sale, making it so you get a better deal, and potentially earning multiple-thousands more from the sale of your settlement. If you sign this away to another person or a company, they may represent their own best interests, rather than yours.
So, which structured settlement buyers are worth your time? As you investigate the options, here are some tips for you to keep in mind:
- Information offered. Look for companies that inform you about their process, and the nitty-gritty details of the sale of structured settlements. Do they explain their process of purchasing structured settlements? Do they have specific recommendations for you as a seller? Oftentimes, the more information a company gives you, the more reputable they are.
- Low-pressure environment. Selling your structured settlement is a big deal, and you should never feel pressured to make a decision before you're ready. You should also not feel like you're being pushed to sell all of a settlement if a partial sale is what you need. Choose a buyer with a reputation for letting clients take the time they need to make whatever decision is best for their situation.
- Client reviews. Look for the testimony of past customers before engaging with a structured settlement buyer. Those who have gone before you can relay whether the company treated them with respect, and speak to the quality of the deal they received.
At Top Consumer Reviews, we want to make sure that our readers are well-equipped to navigate the sometimes murky waters of the structured settlement industry. We've gathered the best companies we could find, and ranked them based on their overall reputation and business practices. As you shop around for the best deal in the sale of your structured settlement, you should feel comfortable using our curated list as a starting point for finding a fair and honest buyer.
Compare Structured Settlement Buyers
Select any 2 Structured Settlement Buyers to compare them head to head
Trending Structured Settlement News
Related Structured Settlement Buyer Reviews
Since you're interested in Structured Settlement Buyers, here are some other reviews you might find interesting.
Newest Reviews
