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Sell Your Structured Settlement Payments for Cash

Overcome financial hurdles with ease. Our Fairfield Funding team is here to support you every step of the way. If your financial needs have changed, selling a portion of your structured settlement may be the solution you need. Let’s work together to achieve your goals.

Get cash in as few as 5 Days!

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By providing your information and submitting this form, you are giving express permission for a representative from Fairfield Funding to contact you by phone and email.

Why should I choose Fairfield Funding?

Leading the way in structured settlement purchases, Fairfield Funding is the go-to choice for many. Because we are an important part of all structured settlement Sales in the U.S., it’s clear that we have a proven track record of success. Our customers trust us to provide them with the best solutions and love the results we deliver.

What Is a Structured Settlement?

A structured settlement is the result of a lawsuit in which a defendant has been found at fault for the injury or death of someone. As a result, they must pay them a large sum of money to settle the lawsuit. The large lump sum is used to set up an annuity or structured settlement that is paid over time. It can be set up to pay monthly, annually or even quarterly payments. An insurance company holds the money and distributes the portions as they become due. The final result is a structured settlement, or, in other words, a settlement that’s been structured to be paid over time.

How does selling my structured settlement work?

Call for a free quote.

Our representative will assess your eligibility to sell and offer you a quote based on the amount of cash you require.

Accept your quote​

Upon accepting a quotation, we will request that you sign and return a contract to confirm the agreement's terms.

Attend your court date.

Transferring your payment rights requires approval from the court, which typically takes around six to ten weeks to complete.

Receive your lump sum!​

We offer various payment options, such as wire transfer, direct deposit, or check, according to your preference. It's a straightforward process.


What our customers says

Overall Satisfaction Rating

Based on 225 ratings

Bill, NJ

Bill, NJ

"I’ve completed two transactions with Fairfield Funding. Their customer service was second to none and I received my money quickly.”
Beatrice, VA

Beatrice, VA

“Not only did Fairfield Funding get me my money fast, but Kristin worked with my mortgage company to save my house.”

Know Your Selling Options

People with annuities resulting from a personal injury settlement may wonder who can buy structured settlement payments and get them the cash they need quickly. A purchaser of structured settlements is the company that needs to give you a lump sum payment to buy a car, pay for school, clean up debts, or any other possibility.

Banks do not allow you the flexibility a purchaser of structured settlements provides. When a bank gives you a loan, they require repayment to begin immediately. Furthermore, banks won’t even allow you to use your structured settlement payments as collateral against the loan.

When we buy structured settlement payments from an annuitant, we can buy payments that start now, a couple of years from now, or many years later. This gives you the perfect solution to your short-term financial needs while considering your long-term fiscal goals.

Since no two clients have the same situation and goals, we extensively review your current situation and future goals. We find a solution that is optimized for your individual needs. We commit to only buying structured settlement payments that you can afford to sell in your current situation.

It may be ideal to sell portions of monthly annuity payments, or perhaps you should avoid those and sell the lump sums that come every few years. Whatever the solution, we will work with you to make sure the plan we put together suits your needs!

The Process of Selling Settlements

Selling your structured settlement can be a daunting process. Most people would rather have a lump sum of cash than a structured settlement. We are here to help you navigate the legal process required for you to sell your payment rights.

The process of selling your structured settlement payment rights is mandated by Federal and/or State law. While the general process remains the same, your state might have nuances. We can guide you through any twists and turns that may arise.

Overall the steps to sell your structured settlement payment rights are pretty simple:

  1. Decide what you are selling and receiving.
  2. Receive a disclosure statement that outlines the details of the agreement.
  3. After you receive the disclosure statement, you have 3-14 days to review and sign it.
    1. NOTE: Don’t be pressured by anyone to sign a disclosure statement the same day you receive it! This is an illegal practice we’ve seen from other companies.
  4. We will file the petition or application in your state once we receive the signed disclosure agreement. This notifies all interested parties that you want to transfer your payment rights.
  5. A hearing will be scheduled at least 20 days from the petition/application submission. Most states require you to attend and testify in front of the Judge.
  6. After the hearing, the Judge reviews the paperwork and decides if the transfer is in your best interest. It’s critical that the process has been followed correctly, which is why it’s important to use a company like us to process your transfer.
  7. Once the Judge signs off, you have completed the transfer of your structured settlement payment rights. Congratulations! You’ll be receiving your lump sum shortly.

It’s important to ensure all steps are followed precisely as required by law in your state. That’s why your company choice is critical to your success in selling your structured settlement. We’ve guided hundreds of people through the process. Give us a call today, and let’s talk about how we can help you get top dollar for your structured settlement.

Pros and Cons of Selling Structured Settlements

There are many reasons someone would consider selling their structured settlement. It can range from needing a lump sum payment for an emergency or wanting to invest the cash.

Whatever the reason, there are many pros and cons when deciding whether to sell.


  1. You won’t receive the total value of your payments and will lose some money compared to keeping the payments for the life of the settlement.

    One big thing to understand is that we can only offer your payments’ present market value.  We are not basing an offer on the aggregate of your payments. Offers are based on what your future payments are worth today. If you have any questions about this, please get in touch with your Fairfield representative.

  2. A purchasing company has thousands of dollars in costs to complete a transfer.

    The purchasing company has to pay a notary, a local attorney, and oftentimes, the insurance company.  Those costs will likely be passed on to you in one form or another.

  3. Transfers can take between 20 to 45 days (sometimes longer) to complete.

    We understand that 20 to 45 days is a very long time to wait when you have a financial emergency.  We often see customers who wait until they need the money quickly, which puts them in a stressful position.

It’s best to set realistic expectations ahead of time because mandatory waiting periods cannot be rushed or avoided.


  1. Receive a large lump sum of cash now.

    The great news is that you don’t have to wait years and years to receive your payments.  Having cash in hand is life-changing.

  2. You are in control of how the money gets used.

    Once you have the lump sum, you can invest, put money into savings, pay off debt, make a large purchase, etc.  Having control of your money when you need it and for what you need it is very freeing for customers.

  3. You are not dependent on an insurance company for your money.

    You don’t have to worry about the company’s stability, clerical errors resulting in delayed or missed payments, or dealing with another customer service representative.

These are just a few of the pros and cons of selling your structured settlement payment rights. There may be other benefits or drawbacks unique to your specific situation. Ultimately the decision is up to you.

If you decide to sell your structured settlement, we would love the opportunity to serve you. Please complete the quote form below, and one of our expert representatives will contact you shortly.

Frequently Asked Questions

Answers to commonly asked questions about selling your structured settlement:

What percentage do you take from my payments?

We cannot state a specific percentage but rather can let you know how we determine the value of those future payments. The value or the purchase price you are offered for your future payments primarily depends on when the payments are due and how much the payments are. The insurance company is obligated to make future payments. We consider all those factors and put them into a time value calculator, which then considers inflation and the time value of money. All of these things will determine the value of future payments. After you know the value, you can determine the percentage being taken. It will vary for every payment stream.

How long does it take to sell structured settlement payments?

On average, selling settlement payments takes 30 – 45 days. Selling your structured settlement annuity requires court approval which is usually the main cause of any unexpected delays in the transfer. Each state has an individual statute that may determine some of the waiting periods required throughout the process and can be a factor in the amount of time it takes to sell structured settlement payments.

Can I sell my structured settlement?

Yes, you can sell structured settlement annuities if they are not the result of a worker’s compensation or a class action settlement. The most commonly sold structured settlement payments arise from wrongful death, personal injury, and medical malpractice, but we can buy much more!

How do I sell structured settlements?

You can sell your future structured settlement payments by working with a factoring company. They will help facilitate a transfer. Regardless of who you work with, the process should begin with a disclosure statement outlining what you are selling and receiving. Next, you will sign a contract after a state statute determines the waiting period. After the contract, the company will file a petition for court approval in your state, allowing them to set a hearing date. If the judge approves the transfer, you will receive your money.

Is my payment schedule flexible?

No, it is not. Unfortunately, once you have agreed to the structured settlement terms, the schedule and amount of each payment are locked into place.

Why should I sell my structured settlements?

The top reasons people choose to sell payments are:

  1. pay off high-interest debt,
  2. pay for education,
  3. purchase a home or vehicle and
  4. pay medical bills.

Simply put, people sell structured settlements because some unexpected event or situation changed from when it was set up. As much as you try to anticipate what your future monetary needs are, it just cannot be done to perfection.

If you are someone receiving settlement payments overtime but now needs a cash lump sum payment, often selling is the only solution. Banks do not consider the structured settlement a source of income and will not loan based on that, and insurance companies will not “undo” the structured settlement.

Can I get my money faster if I don’t get a court order?

Regrettably no. The laws and regulations set forth by each state are designed to protect you, the individual, from unscrupulous business practices. Thus, the court MUST approve these transactions. That approval takes a bit of time.

How much money should I expect to receive?

Several factors influence how much money your settlement is worth right now. The financial professionals at Fairfield Funding will work with you to maximize the amount of money you receive responsibly.

Is it possible to sell a portion of my payments?

Definitely!!! That is our preferred course of action with our clients. Fairfield Funding wants to take care of your short-term monetary needs while looking out for your long-term financial goals.

Do I need the insurance company’s permission to sell my structured settlements?

The short answer is NO. This is your decision and yours alone. We will make your insurance company aware of the transaction and work with them to get everything completed effortlessly.

Are there any tax consequences for selling my payments?

While we are not allowed to offer tax advice, the IRS issued a ruling in 1982 confirming the sale of a structured settlement for a lump sum would not create tax consequences.

What expenses will I have to pay to sell my structured settlement?

None. Fairfield Funding has no hidden fees. We pay for all costs associated with the transaction.

Still have questions?

If you can’t find answers to your questions in our FAQ section, you can always call us at 855-815-1711.