Read this first: this review is published by Genex Capital. We buy structured settlements, which means JG Wentworth is our competitor. So why trust a word of it? Because everything below is sourced and linked, we say plainly what they are good at, and our conclusion is not "avoid them." It is: get their offer, then make us beat it or take $1,000 from us.** You win either way, no trust required.
JG Wentworth at a Glance
Who they are: the largest, best-known structured settlement buyer in the country. In business since 1991, headquartered in Chesterbrook, Pennsylvania, over 150,000 customers, and the owner of the famous 877-CASH-NOW jingle.
Third-party ratings (checked August 2026):
- BBB customer reviews: about 2.9/5 across 230+ reviews (reviews)
That is the star score customers leave on their Better Business Bureau profile. Read a page of them before you sign anything, theirs or ours.
What JG Wentworth Genuinely Does Well
- Scale and longevity. Three decades of purchasing, more completed transfers than anyone. Your case will not be their first of its kind, and their legal teams know every state's court process.
- Fast, polished intake. Their quote infrastructure is refined by enormous volume. You will get to a number quickly.
- Brand accountability. A company this visible has a reputation to protect and regulators watching. That is real consumer protection.
What to Check Before You Sign With Them
- Is the discount rate on the quote? The single number that determines how much of your money you keep. Whoever quotes you, anywhere, insist on seeing the rate in writing. Every Genex offer includes it; ask JG Wentworth to match that transparency.
- Their do-not-purchase list. JG Wentworth's own published FAQ excludes categories such as class action and mass tort settlements, government payments, and money from lawsuits that have not settled yet. If your settlement falls in an excluded category, their quote never comes, and you have lost time. (We evaluate these categories case by case.)
- Themes in critical reviews. Recurring threads in their public reviews include feeling rushed to sign quickly and offers coming in lower than the advertising suggested. Not universal, but recurring enough to know going in: take your time with any contract, theirs or ours. Court approval exists precisely so a judge can check the deal.
- The follow-up cadence. A quote request typically starts an energetic sales process. If you prefer one written number and room to think, say so up front, with them and with us.
How Their Pricing Works (and Everyone's)
Every buyer, including us, prices your payments the same way: future payments are discounted back to a lump sum at a discount rate. The rate covers the buyer's cost of money, court process costs, and margin. Two quotes on identical payments can differ by tens of thousands of dollars purely because of the rate, which is why comparing written offers matters more in this industry than in almost any other purchase you will ever make. There are no legitimate upfront fees in a settlement purchase: if anyone asks you to pay money to get money, walk away.
Our Actual Advice: Get Their Offer
Seriously. Get JG Wentworth's written offer. Then bring it to us: we beat it or pay you $1,000.** Their quote costs you nothing and turns our guarantee on. That is the whole play, and it only works for you.
How the Guarantee Works* Cash advance availability, amounts, and timeframes vary based on individual circumstances (typically up to $1,000, within 24 hours of qualifying, where offered). Cash advances are offered and made solely by Genex Capital Corporation at its sole discretion and are subject to its underwriting requirements, including: (1) execution and return of a payment purchase contract and all documents required to begin the purchase process; (2) confirmation that you receive periodic settlement payments; (3) a determination that you may enter into an agreement to sell all or a portion of those payments; (4) a determination that the purchase transaction is likely to receive court approval under applicable state law; and (5) satisfaction of underwriting guidelines. Available only to U.S. citizens or permanent legal residents who have reached the age of majority in their state of residence.
** Genex Capital Corporation will pay you $1,000 if it cannot beat a qualifying offer from another payment purchasing company. To qualify: (1) you must provide a written quote from another payment purchasing company, signed by an authorized representative and dated within three business days of the date you submit it ("Qualifying Quote"); (2) if Genex Capital is unable to beat the Qualifying Quote's purchase price, you will receive written notice within three business days of receipt; and (3) the $1,000 is due and payable upon written confirmation that the transaction funded at the quoted purchase price, and that funding must occur within ninety days after you receive written notice that Genex Capital cannot beat the Qualifying Quote. Quotes issued under an annuity issuer's own buyback or hardship program (including the Berkshire Hathaway Hardship Exchange Program) are not Qualifying Quotes. Limit one offer per customer. Not available where prohibited.
This website is operated by Genex Capital Corporation. All offers to purchase settlement payments, all purchases, and all cash advances are made by Genex Capital Corporation and its affiliated companies (A+ BBB rating). We are not a lender or a law firm, and we do not provide legal, tax, or financial advice; consult independent professionals before selling. Every transfer of settlement payment rights requires approval by a judge under applicable state law, and no transaction is final without that approval. Since 2003, $1.2 billion in payments transacted, 50,000+ clients served, and 95% approval success are figures reported by Genex Capital Corporation.
