Fairfield Funding Review
Fair deals for your future payments.
Founded
2002
Key Stat
20+ years in business
Type
Settlement Buyer
About Fairfield Funding
A mid-size factoring company that has operated for over two decades, purchasing structured settlements and annuity payments. Known for competitive offers and a straightforward process.
Pros
- 20+ years experience
- Competitive offers
- Handles structured settlements and annuities
- Straightforward process
Cons
- Less brand recognition
- Fewer online reviews
- Limited marketing presence
Is Fairfield Funding Legit?
Fairfield Funding is a legitimate Atlanta-based buyer of structured settlement and annuity payments operating since 2009, with a consistent record of completed court-approved transfers.
Fairfield Funding Fees and Discount Rates
Fairfield does not publish rates; expect standard industry discount-rate pricing (~9% to 18%+ effective) with the final number driven by your payment schedule. Ask for the net-to-you figure in writing.
How Fairfield Funding Compares
Fairfield's pitch is boutique service - direct access to decision-makers and fewer handoffs. Boutiques can be price-competitive on clean deals; validate with one national quote alongside.
Frequently Asked Questions
Is Fairfield Funding a legitimate company?
Yes. Fairfield Funding is an established participant in the structured settlement secondary market. Every purchase it makes must be approved by a judge under your state's Structured Settlement Protection Act, which is the industry's core consumer protection.
What rates does Fairfield Funding charge?
Fairfield Funding does not publish a rate schedule. Offers are priced with a discount rate that typically lands in the industry's 9% to 18%+ effective range depending on your payment schedule. The only way to know your number is to get a written quote - and the best way to improve it is a competing quote.
Should I sell my payments to Fairfield Funding?
Get their written offer, then compare it against at least one competitor before deciding. A legitimate buyer will state your net payout in writing and give you time to consider it. Our team can provide a competing quote for exactly that comparison.
Don't Settle for One Offer
Fairfield Funding is one of the licensed buyers operating in this market. Quotes through Sell My Structured Settlement for Cash disclose the exact discount rate in writing and carry a price match guaranty, so you can benchmark any Fairfield Funding offer directly against ours.
Get My Lump Sum OfferAlso Compare
This review is editorial, based on publicly available information, and is not affiliated with or endorsed by Fairfield Funding. Trademarks belong to their owners. Rate ranges describe the industry generally; your written quote is the only figure that applies to you.