Who is the Best Structured Settlement Buyer? If you've received a structured settlement from a legal case or insurance claim but need access to those funds now, you're not the first. A structured settlement provides guaranteed periodic payments, often from a personal injury case, workers' compensation claim, or similar settlement.
Best Option
Looking for a structured settlement buyer who won't bombard you with sales calls or hide their rates? Fairfield Funding stands out for putting education before pressure, maintaining transparent discount rates of 8-13%, and making a clear "no spam" promise. They're one of the few companies actually encouraging customers to consult financial advisors and consider alternatives before selling, which is why they're at the top of our list.
They put education first, not sales pressure
Fairfield Funding's website checks all of our boxes. They thoroughly explain structured settlements, their benefits, and even list alternatives to selling. Their first piece of advice? "Consult with financial and legal advisors to decide if selling fits your situation."
Court approval process gets the spotlight it deserves
Unlike some structured settlement buyers who gloss over legal requirements, Fairfield Funding dedicates significant space to explaining the court approval process. They emphasize that "you absolutely must obtain court approval" and detail how judges evaluate factors like your financial stability, health, and impact on dependents. There's no attempt to circumvent or minimize this crucial consumer protection step.
No distracting bonuses, just transparent rates
This structured settlement buyer also deserves credit for avoiding gimmicky bonuses or "best price guarantees." While they previously offered a $500 referral bonus, they appear to have discontinued it - a move we actually respect, since referral bonuses can incentivize people to push friends and family into less-than-ideal contracts. Instead, Fairfield Funding focuses on what matters: their discount rates.
Industry-leading discount rates that speak for themselves
Speaking of rates, Fairfield Funding offers discount rates between 8-13%, which they claim are "much lower than industry averages." While we always recommend shopping around, these rates are genuinely competitive among structured settlement buyers. The transparency about their rate range is refreshing - most companies won't disclose their rates until they have you about to sign papers. (And there's usually a reason for that.)
Customer reviews paint a positive picture
Fairfield Funding holds an "A+" from the Better Business Bureau, but there were no complaints or reviews on their page. We did manage to find customer reviews on other platforms, and luckily, they're nearly all positive. The most recent customer reviews (from 2021) consistently praise this structured settlement buyer for professional service. One Georgia resident even visited their office in person and confirmed the team was "just as nice in person as all the reviews say." That's nice, but what we appreciate even more is that multiple reviewers mentioned doing extensive comparison shopping before ultimately choosing Fairfield Funding for their competitive rates.
They won't spam you
Unlike many structured settlement buyers who blast potential customers with calls and emails, Fairfield Funding makes a clear promise: you'll receive just one email with your free quote and details. They explicitly state "We will never spam you or use automated calls/texts" and allow unsubscribing at any time. This respect for your privacy and restraint is rare in the industry - one reviewer even praised them as "the only company that doesn't drive me crazy" with repeated contact. Fairfield Funding's approach appears to be consultative rather than pushy - a welcome sight in the realm of structured settlement buyers.
A great choice
Fairfield Funding is one of the most trustworthy structured settlement buyers we've reviewed. Their transparent 8-13% discount rates, clear "no spam" promise, and robust educational resources show a refreshing commitment to putting customers first. If you're considering selling your structured settlement, Fairfield Funding should be at the top of your list - just be sure to comparison shop and consult with financial advisors first, as they themselves recommend.
Continued from above...
If you've received a structured settlement from a legal case or insurance claim but need access to those funds now, you're not the first. A structured settlement provides guaranteed periodic payments, often from a personal injury case, workers' compensation claim, or similar settlement.
While these regular payments offer financial security, life sometimes throws unexpected challenges your way - medical bills, education costs, or a down payment on a home might require immediate access to larger sums of money. Finding a reputable structured settlement buyer could be the solution - but it's crucial to understand both the benefits and risks before making this significant financial decision. It's not all it's cracked up to be by the commercials.
Before you consider selling your structured settlement to a buyer, understand that you're trading future security for immediate cash - and usually at a significant discount. When you sell your payments, you'll typically receive 50-80% of their future value, depending on factors like interest rates and payment schedules. It's essential to carefully evaluate whether the immediate need justifies the long-term financial impact.
Industry standard discount rates - the percentage deducted from your future payments to determine your immediate cash payout - typically range from 9% to 18%, though some buyers may offer rates outside this range. The actual rate you receive depends on various factors including the total value of your settlement, payment schedule, and current market conditions. Be wary of rates significantly higher than 18%, as these could indicate predatory practices. Similarly, extremely low rates that seem "too good to be true" may mask hidden fees or unfavorable terms. Always request a detailed breakdown of how the discount rate is calculated and its impact on your final payout.
The sales process itself requires careful navigation. First, you'll need court approval, required by state laws protecting settlement recipients. Additionally, you'll want to know about the aggressive nature of the structured settlement buying industry. Once you request a quote, your contact information may be shared among multiple buyers - leading to an onslaught of calls and mailings that can continue for years, even if you're on the Do Not Call registry. Be prepared to firmly decline unwanted solicitations and file complaints with the Better Business Bureau if necessary.
When evaluating structured settlement buyers online, consider these crucial factors:
Top Consumer Reviews has evaluated and ranked the most reputable structured settlement buyers available. We hope our research helps you find the best service to meet your immediate financial needs while protecting your long-term interests.
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