Overland Funding Review: Loan Offers May Be a Front for Debt Settlement
Overland Funding isn't available on Finder right now.
- Min. Amount
- $5,000
- Max. Amount
- $100,000
- Turnaround time
- 1 to 4 business days
Our verdict
Advertises wide loan amounts, but customers report a push toward debt settlement services.
Overland Funding appears to offer loans ranging from $5,000 to $100,000 at competitive rates. It has several positive reviews on Google and the Better Business Bureau (BBB), but some customers report that it’s a bait-and-switch operation that markets loans only to steer applicants toward debt settlement programs instead. If you choose to apply, ask for written details so you know exactly what you’re signing up for.
Best for: People who’ve ruled out more transparent lenders and understand the potential risks.
Pros
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Offers loans up to $100,000
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Advertises APRs starting at 4.95%
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Accredited by the BBB with an A rating
Cons
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Conflicting information on loan terms
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Complaints about misleading marketing
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Must speak to a “loan specialist” to apply
Is Overland Funding legit?
It’s unclear whether Overland Funding is legit. On the surface, Overland Funding appears to be a loan matching service that helps customers secure funding for emergencies, home improvements and debt consolidation. But when you dig a little deeper, you’ll find some startling inconsistencies — the biggest one being whether the company actually offers loans at all.
Some customers report high-pressure sales tactics, with reps trying to enroll them in a debt settlement program instead of helping them apply for a loan. Until there’s more clarity on how Overland Funding operates, it may be safer to explore other lenders with clear loan terms and a consistent track record.
How Overland Funding compares to other lenders
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Where Overland Funding falls short
Judging by its website, Overland Funding seems to be offering loans of various types, but when you dig into the details, there’s a lot of conflicting information. For example, on one page, the interest range provided is 5.95% to 29.99%, but it’s listed as 4.95% to 35.99% and 9.95% to 36% elsewhere. The same goes for loan limits and origination fees. You get different information depending on what page (or what part of the page) you look at.
There’s also a lack of information available on requirements, with no minimum credit score listed on the company website. The few qualifications that are provided are buried on the site’s privacy policy page, and those aren’t very specific.
Plus, the language used to describe the application process is unusual. Instead of applying, it talks about “enrolling,” which seems to indicate that Overland Funding may not offer loans after all. A couple of reviews back this up, with customers reporting that instead of being offered a loan, the customer service rep tried to enroll them into a debt settlement program instead.
If you need help getting out of debt, apply with well-known debt consolidation lenders like Upstart, OneMain Financial or Best Egg. If that’s not an option, consider working with a reputable debt relief company that’s forthcoming about what it offers instead.
What makes Overland Funding shine?
If you take Overland Funding at face value, it appears to offer loans in wide-ranging amounts from $5,000 to $100,000. Repayment terms are also flexible, with options ranging from 24 months of up to 60 months. APRs also seem to be competitive. The lowest listed on Overland Funding’s website is 4.95%, with 36% being the highest APR mentioned — well below the triple-digit rates you get from payday and tribal lenders. And funding is supposedly quick, taking as little as one business day.
Overland Funding loan details
| Loan amount | $5,000 to $100,000 |
| Terms | 24 months to 60 months |
| APR | 4.95% to 36% |
| Turnaround | 1 to 4 business days |
| Minimum credit score | Not disclosed |
| Other requirements | Valid email address Proof of ID At least one year of continuous employment Debt-to-income ratio below 50% Meet other requirements for creditworthiness and income |
| Fees | No early payment penalties Origination fees may apply |
Overland Funding contact information
| Phone number | 888-874-0477 |
| Customer service hours | Weekdays 7 a.m. to 5 p.m. PT |
| info@overlandfunding.com | |
| Address | 4340 Von Karman Ave Newport Beach, CA 92660 |
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How to qualify for Overland Funding
Overland Funding doesn’t have a minimum credit score requirement listed on its website. The qualifications that are provided include:
- Have a valid email address
- Provide proof of ID
- Be employed for at least one year continuously
- Have a debt-to-income ratio below 50%
- Meet other requirements for income and creditworthiness
How to apply
Here’s what to expect from the application process:
- Visit the Overland Funding website and fill out the contact form/quick loan application. Provide your name, email, phone number, address, purpose of the loan, amount of unsecured debt, credit score range and income.
- Submit your information and wait to receive a call from one of Overland Funding’s “loan specialists.”
- Discuss your options with the loan specialist, who will help you apply for any that are a match. If a loan is one of the options presented, you’ll likely need to apply directly with the lender.
Overland Funding reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 4.67 out of 5 stars, based on 12 customer reviews |
| Customer reviews verified as of | 12 August 2025 |
Overall, reviews of Overland Funding on the Better Business Bureau (BBB) seem positive. Out of 12 reviews on the site, several people state that Overland Funding helped them manage financial difficulties. A few reviewers specifically mention getting a low-interest loan through the company.
Other positive comments include an easy process and exceptional customer service. The primary complaint on the BBB is receiving unsolicited junk mail from the company that seems to be somewhat deceptive because Overland Funding is not a direct lender.
Overland Funding doesn’t currently have any reviews on Trustpilot, though there are some available on the company’s Google listing, where it has a 4.4-star rating. Positive comments are similar to what you find on the BBB, with a couple of reviewers going out of their way to mention how “honest” the company is.
But negative reviews tell a different story, accusing the company of bait-and-switch tactics by advertising loans but then attempting to sign people up for debt settlement services instead. They also accuse customer service reps of being rude and applying high-pressure sales techniques.
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