Best Structured Settlement Buyers of 2025
We've reviewed the most active structured settlement purchasing companies based on publicly available information, BBB records, and industry data. Discount rates and terms may vary based on your specific settlement, state, and transaction details.
Structured Settlement Buyer Comparison
All ratings are editorial assessments based on available public information. Actual discount rates and offer amounts will vary by individual transaction. Always get quotes from multiple buyers.
| Company | BBB Rating | Years in Business | Discount Rate Range* | Partial Sales | Online Quote | Our Rating |
|---|---|---|---|---|---|---|
| Peachtree Financial Top Pick | A+ | 25+ years | 9% – 16% | Yes | Yes | ★★★★☆ 4.4/5 |
| J.G. Wentworth | A+ | 30+ years | 9% – 18% | Yes | Yes | ★★★★☆ 4.2/5 |
| CBC Settlement Funding | A | 20+ years | 10% – 17% | Yes | No | ★★★★☆ 4.0/5 |
| Fairfield Funding | A+ | 15+ years | 10% – 18% | Yes | Yes | ★★★★☆ 4.1/5 |
*Discount rate ranges are approximate figures based on publicly available industry data and may not reflect the rate you will receive. Your actual offer depends on your payment schedule, state, and the buyer's current pricing.
Category Winners
Peachtree Financial
Peachtree typically offers competitive discount rates and a streamlined process. Their A+ BBB rating and 25+ year track record make them our top pick for most sellers.
Read Full ReviewJ.G. Wentworth
With over 30 years in business, J.G. Wentworth is the most recognized name in structured settlement purchasing. A solid choice if brand familiarity matters to you.
Read Full ReviewCBC Settlement Funding
CBC is often cited for handling more complex structured settlement transactions with experienced case managers who guide sellers through the court approval process.
Read Full ReviewCompare Two Companies Directly
J.G. Wentworth vs Peachtree
The two biggest names go head to head. Which one typically offers better rates, faster processing, and a smoother experience?
See ComparisonFull Rankings: Top 10 Companies
Our comprehensive ranked list of the 10 best structured settlement companies of 2025, including smaller regional buyers.
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Try the CalculatorHow We Evaluate Structured Settlement Buyers
Our editorial assessments are based on publicly available information including BBB accreditation status, company history, and general industry reputation. We do not receive compensation from any structured settlement buyer for our ratings or reviews. Ratings may change as new information becomes available.
Key factors we consider when evaluating buyers:
- BBB Accreditation and Rating — an indicator of general business conduct and complaint resolution
- Years in Operation — longevity typically indicates stability
- Discount Rate Transparency — buyers who provide general rate ranges upfront tend to be more transparent
- Partial Sale Options — the ability to sell only a portion of your payments preserves future income
- Process Experience — structured settlement sales require court approval; experienced buyers can guide you through this
Important: This site earns revenue from Google AdSense. We are not attorneys, and nothing on this page constitutes legal or financial advice. Before selling your structured settlement, consider consulting with an independent financial advisor or attorney.