RSL Funding

RSL Funding

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About RSL Funding

RSL Funding is a structured settlement purchasing company that pays customers lump sums in return for structured settlements, annuities and lottery winnings. The company, based in Houston, guarantees to beat all offers from competitors or give you $1,000. It provides free quotes online and by phone.


  • Highest-payout guarantee
  • Up to $5,000 advance
  • Free quotes


  • Unclear rates

Bottom Line

RSL Funding offers free quotes and a guarantee to beat any offer for a structured settlement. While the process can be confusing, its customer service and reputation make it a trustworthy choice for many.

What is RSL Funding?

RSL Funding is a structured settlement purchasing company. It pays out lump sums in exchange for structured settlements, annuities and lottery winnings. With RSL Funding, customers are able to receive their payments faster in order to do things like pay off debt, buy a home or start a business.

How does RSL Funding work?

RSL Funding buys your structured settlement payments for a single lump sum. For example, if you have a structured settlement from a personal injury case and receive regular payments, you can sell these to RSL and simplify your payout into one big chunk of change. RSL also purchases annuities and lottery payouts in exchange for lump sums.

The process for selling a structured settlement to RSL Funding is fairly straightforward. Call the company or go online to request a free quote. If you decide to move forward, you will need copies of the settlement agreement, the annuity contract, the court judgment, any changes or assignments to the original settlement and personal identification documents.

The process includes signing a contract and getting approval from a judge. Once the deal is approved, you receive your cash. Expect a 45- to 90-day timeline in total. RSL Funding guarantees that it will offer the most cash or it will pay you $1,000.

RSL Funding costs

It’s unclear how much RSL Funding charges for its services. It likely charges a percentage of the settlement — possibly between 10% and 15%. When you get a quote, make sure it clearly states how much it charges.

RSL Funding guarantees to offer the most money for a structured settlement; it will pay you $1,000 if it can’t match a competitor’s quote.

RSL Funding FAQ

Will selling my structured settlement to RSL Funding affect my credit?
Selling your structured settlement could have a positive effect on your credit score if you use the cash to pay down debt and reduce the amount you owe to creditors.
Will a judge need to approve my lump sum payment with RSL Funding?
Yes, all structured settlement sales require a judge’s approval.
Where is RSL Funding available?
RSL Funding states on its website that it works with customers across the U.S.
Is selling my structured settlement to RSL Funding considered a loan?
No, it is not a loan. You exchange your structured settlement for a lump sum of cash from RSL Funding.

Is RSL Funding legit?

RSL Funding has paid out over $200 million in lump sums to thousands of customers, according to its website. Before working with any structured settlement purchasing company, you may want to speak with a financial advisor and an attorney about your options and any tax ramifications. If you decide to sell your structured settlement, make sure you get a quote from RSL Funding.

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Page 1 Reviews 0 - 10
Customer increased Rating by 4 stars!
Verified Reviewer
Resolution response: March 16, 2021

Apparently this review got their attention and now they're working with me get this resolved quickly. I'll keep you updated. This point I have to say at least they're paying attention and I see some light at the end of the tunnel.

Original review: March 8, 2021

I'm currently in the final stages of a transaction with RSL Funding and I am nothing but frustrated. I needed to get an insurance policy for this particular transaction because my annuity payments were life contingent. I provided them with an insurance policy over two months ago. So long ago in fact that they have let the policy lapse even though I was told I was not going to have to take a penny out of my pocket. I made the initial payment just to expedite the process and since that time they've had the policy since January eleventh and let it lapse and now they're telling me that they're awaiting a acknowledgement letter from my insurance company which tells me they can't send an acknowledgement letter for a policy that has lapsed.

They were supposed to be paying for it. That was the whole deal. That was part of the deal and yet they still haven't and now they're waiting for an engagement letter that's never going to come because they haven't paid the the damn bill. This is unbelievable. It's impossible to get anybody on the phone. The only way I've ever been able to contact anybody it's through the email. At this very moment I'm just about as mad as I can get and they don't seem to care one little bitty bit. So when they tell you that customer service is their ultimate goal let me tell you something. They're falling well short of that goal. I'm seriously considering litigation at this point.

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RSL Funding Company Information

Company Name:
RSL Funding
1980 S Post Oak Ln Suite 1975
Postal Code: