Is Forward Funding legit?
Forward Funding appears to be a legitimate loan referral service. It’s accredited by the Better Business Bureau (BBB) with an A rating and has mostly good reviews on Trustpilot. However, the company fails to provide key information about its loan products, and there are multiple claims of bait-and-switch tactics from past customers, which raises questions about its legitimacy.
Where Forward Funding falls short
Forward Funding suffers from a serious lack of transparency. It gives little to no information about APRs, fees, requirements, loan amounts and repayment terms on its website, which makes it difficult for potential borrowers to know exactly what the company offers. There are plenty of lenders and loan matching services that offer more clarity up front, such as Upstart or Bankrate.
There also seems to be some confusion about what type of services Forward Funding actually provides. On its website and in mailers, Forward Funding claims to be a loan referral service, but several people say reps pushed them toward a debt settlement program once they called the company. Others report being contacted multiple times per day by Forward Funding after submitting an application, which could be viewed as predatory behavior. For those who want a lender with a solid reputation, consider using OneMain Financial or SoFi.
What makes Forward Funding shine?
Forward Funding advertises personal loans and debt consolidation loans ranging from $1,000 up to $100,000 — a wide range that gives you enough flexibility to cover both large and small expenses. The company offers repayment terms between 24 months and 60 months, which could help make monthly payments more affordable.
You can check your eligibility and get preliminary rates by filling out an online application that takes just a few minutes to complete and won’t hurt your credit score. Plus, funding times are supposedly fast. Once you complete the application, get approved and sign loan documents, you could receive funds in as little as 24 hours.
Forward Funding loan details
| Loan amount | $1,000 to $100,000 |
| Terms | 24 to 60 months |
| APR | Not disclosed |
| Turnaround | As fast as 24 hours |
| Minimum credit score | Not disclosed |
| Other requirements | Not disclosed |
| Fees | Not disclosed, varies by lender |
| Availability | Not available in all 50 states |
Forward Funding contact information
| Phone number | 888-246-0362 |
| Customer service hours | 24/7 |
| support@forwardfunding.com | |
| Forward Funding | |
| @forward.funding |
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How to qualify for Forward Funding
Forward Funding doesn’t provide any information about the criteria you need to meet to qualify for a loan. The most basic requirements for most loan matching services include:
- Be at least 18 years of age or older
- Be a legal resident of the United States
- Live in a state where the company is authorized to do business
- Provide proof of income
- Provide a valid phone number and email address
- Provide government-issued identification
- Have an open checking account in your name
- Demonstrate creditworthiness through credit score, debt-to-income ratio and other criteria set by individual lenders
How to apply
According to the Forward Funding website, the application process involves just three easy steps:
- Complete an online application. Provide a few details, including your name, address, phone number, email, employer, income, how much you’d like to borrow, the purpose of the loan, etc.
- Receive matching offers. Choose the loan offer that best meets your needs and complete the lender’s application process.
- Receive funds. You could receive funds in as little as 24 hours after signing your loan documents.
How Forward Funding compares to other lenders
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What is the Finder Score?
The Finder Score crunches 6+ types of personal loans across 50+ lenders. It takes into account the product’s interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate – this gives you a simple score out of 10.
Read the full breakdown
Forward Funding reviews and complaints
| BBB accredited |
Yes |
|---|---|
| BBB rating |
A |
| BBB customer reviews |
4.88 out of 5 stars, based on 265 customer reviews |
| Trustpilot Score |
4.9 out of 5 stars, based on 293 customer reviews. |
| Customer reviews verified as of |
15 October 2025 |
If you just look at the overall ratings for Forward Funding, it appears that past customers are pleased with the company. Positive reviews are typically brief — just a single sentence — but they often comment on the helpful customer service agents and fast, easy process. The words “excellent,” “great” and “wonderful” are used repeatedly.
But negative reviews tell a completely different story. Customers who give Forward Funding low marks describe high-pressure tactics to get customers enrolled in a debt settlement program, often using the terms “scam” and “bait and switch” to describe the company.
What do people on Reddit say?
Sentiment about Forward Funding on Reddit is mostly negative. Multiple redditors warn against trusting the company, calling it a scam and saying that it engages in bait-and-switch tactics by offering loan products up front, then telling people they don’t qualify and pushing them toward debt settlement programs instead.
People on Reddit also report that once they make initial contact with Forward Funding, the company continues to call repeatedly.
