Fairfield Funding vs JG Wentworth
An honest side-by-side comparison of two of our top structured settlement companies picks — pricing, strengths, weaknesses, and who each one is really for.
Fairfield Funding
Ranked #3 of 15 in this directory
Competitive structured settlement buyer with a transparent, client-first approach
JG Wentworth
Ranked #1 of 15 in this directory
The most recognized name in structured settlement purchasing with 30+ years of experience
Our pick: JG Wentworth. Our editors rank JG Wentworth higher overall in Structured Settlement Companies — but Fairfield Funding can be the better fit depending on your budget and use case below. How we review
Compare the details
| Fairfield Funding | JG Wentworth | |
|---|---|---|
| Pricing model | Paid | Paid |
| Starting price | See website | See website |
| Category | Partial Sale | Cash Out |
| Editorial rank | #3 of 15 | #1 of 15 |
Strengths
Fairfield Funding
- ✓Consistently competitive purchase rates with transparent fee disclosure
- ✓Consultative approach ensures sellers understand all options before committing
- ✓Handles all court filings at no extra charge
- ✓Flexible partial sale options let sellers keep a portion of future payments
- ✓Strong reputation for honest dealings and customer satisfaction
JG Wentworth
- ✓Most recognized brand in the industry with over 30 years of experience
- ✓Handles all court approval paperwork and legal processes on your behalf
- ✓Offers lump sum, partial sales, and lottery winnings purchasing
- ✓Free, no-obligation quotes with no upfront fees
- ✓Nationwide service available in all 50 states
Watch out for
Fairfield Funding
- !Smaller company with less national brand recognition than JG Wentworth
- !Processing times can vary depending on state court availability
- !Not all payment types are eligible for purchase in every jurisdiction
- !Limited advertising presence means fewer consumer reviews to evaluate
JG Wentworth
- !Discount rates (fees) tend to be higher than smaller competitors
- !Sales process can feel high-pressure with frequent follow-up calls
- !The lump sum offered is typically significantly less than the total future payment value
- !Some customers report slow funding timelines after court approval
Best use cases
Fairfield Funding
- →Settlement holder who wants to sell only a portion of future payments
- →Consumer who wants a transparent breakdown of exactly what they will receive
- →First-time seller who wants guidance on whether selling is the right financial decision
JG Wentworth
- →Settlement recipient who wants the most trusted brand for a first-time sale
- →Annuity holder needing a large lump sum for a major life expense like a home purchase
- →Person wanting a company that handles all court paperwork from start to finish
About each tool
Fairfield Funding
Fairfield Funding is a structured settlement purchasing company known for offering some of the most competitive rates in the industry and a straightforward, transparent process. The company takes a consultative approach, helping sellers understand the true cost of selling and exploring alternatives before committing. Fairfield handles all court filings and works with sellers at every step to ensure a smooth transfer.
JG Wentworth
JG Wentworth is the largest and most well-known structured settlement purchasing company in the United States. Founded in 1991, the company has purchased billions of dollars in future payment streams from annuity holders and structured settlement recipients. JG Wentworth offers lump sum cash payments, partial sales, and lottery winnings purchases. The company handles all court approval processes required for structured settlement transfers and offers a free, no-obligation quote. JG Wentworth is known for its iconic TV commercials and brand recognition, which can provide peace of mind to first-time sellers.
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