Overland Funding Review: Is it a Scam or Legit?

Overland Funding Review: Is it a Scam or Legit? 1

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When navigating the seas of personal finance, the right partner can make all the difference. Overland Funding prides itself on being that ally, offering a suite of services designed to help clients manage their monetary needs with confidence and clarity. A financial services provider with a focus on personal lending, Overland Funding caters to a range of clients looking for financial assistance for various reasons, from debt consolidation to funding home improvements or handling unexpected emergency expenses.


Located in the bustling heart of Irvine, California, Overland Funding operates under the license number CFFL 60DBO-172056 and boasts an NMLS identification of #2384131, ensuring clients are working with a registered and trustworthy company. Their stated business hours reflect a commitment to accessibility, with operations running Monday through Friday from 7 am to 5 pm PST, accommodating a range of client schedules.

For those interested in learning more or initiating the loan process, Overland Funding can be reached at their phone number, 888-874-0477, or via email at [email protected]. Additionally, the modern consumer’s needs are recognized with a social media presence on platforms such as Facebook and Instagram, allowing for varied channels of communication and engagement.

In the next sections, we will delve into the specifics of Overland Funding’s offerings, examining the products and services they provide, as well as the experiences of past customers. We will also discuss the cost implications of their services and weigh the pros and cons to provide you with a comprehensive overview of what you can expect from partnering with Overland Funding.

Overview of Overland Funding

Overland Funding

Overland Funding stakes its reputation on being more than just a lender—it positions itself as a financial resource for those in need of personal assistance to smooth out the bumps along life’s financial road. The company’s headquarters, a symbol of its commitment to service and community, is stationed at 18881 Von Karman Suite 780 in Irvine, California, a central location for clients visiting in person.

The company’s hours of operation echo the rhythms of the professional world, with doors open from 7 am to 5 pm PST on weekdays, illustrating their dedication to serving clients during typical business hours. The availability is designed to accommodate the schedules of busy individuals and ensure that help is on hand when most needed.

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Holding a California Financing Law License, Overland Funding operates under the number CFFL 60DBO-172056, which serves as a testament to its legitimacy and compliance with financial regulations. Further, its NMLS number, #2384131, is prominently displayed, providing an additional layer of transparency and trust. These licensures are crucial, providing the assurance that Overland Funding is a credible financial entity authorized to conduct lending services within the regulatory framework.

For direct communication, clients have several options. The central phone line, 888-874-0477, is touted as the gateway to customer support, standing ready to connect clients to the help they need. Email correspondence is also encouraged via [email protected], offering an electronic alternative for those who prefer written communication or are seeking documentation.

In the digital realm, Overland Funding extends its presence on social media platforms like Facebook and Instagram. These social platforms allow the company to engage with clients in a more informal setting, providing updates, financial tips, or new service announcements in environments where clients spend a significant portion of their time.

The website itself reflects a user-friendly aesthetic, with streamlined navigation making it straightforward to locate critical information. With a focus on clarity, visitors are invited to browse through the company’s services, understand the loan process, and even initiate their loan application online—a nod to the digital preferences of contemporary consumers.

While the digital footprint of Overland Funding is modest compared to massive conglomerates, it is precisely this smaller, focused online presence that can resonate with consumers seeking a more personal touch from their financial service provider.

Products and Services Offered

Overland Funding has curated a selection of financial products and services aimed at addressing various consumer needs. These offerings are detailed and structured to provide reliable financial solutions. Let’s take a closer look at what Overland Funding brings to the table:

  • Personal Loans: These are unsecured loans designed for individuals who need funds without the necessity of collateral. Personal loans from Overland Funding can be used for a variety of purposes, including major purchases, vacations, or even to cover unexpected expenses.
  • Debt Consolidation Loans: For clients juggling multiple debts, Overland Funding offers debt consolidation loans. This option allows individuals to combine their outstanding debts into one single, manageable loan, potentially with a lower overall interest rate and simplified monthly payments.
  • Emergency Loans: Life is unpredictable and occasionally presents financial emergencies that require immediate action. Overland Funding provides emergency loans to assist clients during such critical times, ensuring they have access to funds when they need them the most.
  • Home Improvement Loans: Homeowners looking to renovate or improve their homes can benefit from Overland Funding’s home improvement loans. This financing can help cover the costs of repairs, upgrades, or expansions, allowing clients to increase the value and comfort of their homes.

Here are some bullet points summarizing the advantages of these services:

  • Flexibility in funding various personal needs
  • Opportunity to consolidate debts and possibly reduce interest rates
  • Quick access to funds in emergency situations
  • Financial support for home improvements

Each of these services is created with the consumer’s financial well-being in mind. Overland Funding’s loans are marked by clear terms, fixed rates, and fixed payments, painting a transparent picture for borrowers. The goal is to provide peace of mind through financial products that meet the client’s situational demands without unexpected surprises.

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It’s important for potential clients to assess their financial situation thoroughly before choosing a loan product. Factors such as interest rates, repayment terms, and the potential impact on credit scores are crucial considerations. Overland Funding’s website and customer service can provide guidance, yet it’s also advisable for clients to perform their due diligence and possibly seek advice from an independent financial advisor to ensure that the chosen product aligns with their financial strategy and goals.

Customer Reviews and Reputation

Overland Funding Review: Is it a Scam or Legit? 2
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Gauging the experience of previous clients is a vital step in evaluating any financial service provider. Overland Funding’s reputation, as reflected in customer reviews and ratings, can provide invaluable insights into the quality and reliability of their services.

While positive reviews commend Overland Funding for their customer service and the ease of the loan process, negative reviews often highlight customer service issues and dissatisfaction with loan terms. For example, the company’s Better Business Bureau (BBB) profile showcases a mix of experiences, reaffirming the importance of personal research and considering one’s unique financial situation before committing to a loan.

Yelp reviews mirror similar sentiments, with some clients expressing satisfaction with their seamless experiences, while others voice concerns over service aspects they found lacking. Overland Funding’s response to this feedback, especially on public platforms, is telling of the company’s dedication to customer satisfaction and its efforts to address and resolve any issues that arise.

It’s worth noting that there may be fewer reviews available on Trustpilot, a platform frequently used by consumers to rate their experiences with businesses worldwide. However, other online review aggregation sites and financial forums can offer additional commentary and testimonials regarding Overland Funding’s services.

An analysis of Overland Funding’s reviews underscores the subjective nature of financial services, where individual expectations and outcomes can vary significantly. As with any review, it’s important to assess both the content and context of each customer’s feedback and recognize patterns that emerge.

Given the weight of financial decisions, prospective borrowers are encouraged to consider the following before making a decision:

  • BBB Accreditation: While Overland Funding’s BBB accreditation status and rating provide a benchmark, they should be considered alongside other sources of feedback.
  • Direct Customer Experiences: Authentic reviews from former clients can offer candid insights into what future clients might expect.
  • Company Response to Criticism: How Overland Funding handles criticism reflects its customer service philosophy and commitment to improvement.

To gather a well-rounded view, potential clients are advised to seek information from multiple sources, including personal testimonials, online reviews, financial blogs, and industry watchdogs. Combining this with information provided by Overland Funding can help paint a comprehensive picture of their reliability and customer service excellence.

Costs and Fees

Understanding the financial commitment involved with a loan is paramount, and Overland Funding is transparent about the costs and fees associated with their lending services. This transparency ensures that clients can make informed decisions without the fear of hidden charges surfacing later.

Overland Funding lays out the terms of their loans clearly, outlining the fees, interest rates, and repayment schedules. The interest rates are determined based on various factors including the loan amount, creditworthiness of the borrower, and the loan term. Typically, personal and debt consolidation loans from Overland Funding will carry competitive rates that are commensurate with market standards. To better understand these costs, here are some bullet points summarizing the fee structure:

  • Interest Rates: Competitive rates based on loan type and personal credit history.
  • Origination Fees: Possible fees for processing the loan application and disbursing the loan amount.
  • Late Payment Fees: Charges that may be applied if a borrower misses a scheduled payment.
  • Prepayment Penalties: Although not always present, some loans may have fees for paying off the loan early.

It is also crucial for prospective borrowers to comprehend that taking on any loan equates to a commitment to future repayment, and thus they should plan their finances accordingly. Borrowers need to confirm they have the means to fulfill their repayment obligations without undue stress.

Additionally, clients should ask questions and request further explanation regarding any aspect of the loan they do not fully understand. A reputable financial services provider like Overland Funding will be more than willing to clarify and provide detailed breakdowns of all charges involved.

Before accepting a loan, it is advisable for clients to:

  • Obtain a full disclosure of all the loan terms.
  • Use loan calculators or consult with financial advisors to determine the total cost over the life of the loan.
  • Compare with other lending services to ensure they are getting a competitive deal.

The goal is to secure a loan that aids in managing financial needs without imposing an unsustainable burden. Overland Funding’s commitment to clear communication about costs and fees is part of their appeal to consumers who value straightforward financial dealings.

Pros and Cons

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Selecting a financial service like Overland Funding requires a balanced view of the company’s offerings. Let’s consider the pros and cons to help guide potential clients in their decision-making process.


  • Customer Service: Overland Funding is recognized for its attentive and personable customer service, making the loan process smoother and more comfortable for borrowers.
  • Transparent Terms: The clarity of loan terms, including fees and interest rates, means borrowers know what to expect without hidden surprises.
  • Range of Products: With options including personal, debt consolidation, emergency, and home improvement loans, clients can find tailored financial solutions to meet diverse needs.
  • Online Convenience: A user-friendly website and online loan application process cater to the digital consumer, offering ease of access and flexibility.


  • Limited Reviews: There might be fewer reviews on major platforms such as Trustpilot, making it challenging for some to gauge wider customer sentiment.
  • Interest Rates: As with most lenders, interest rates can be high for those with less-than-ideal credit scores, potentially making loans more expensive.
  • Business Hours: Operating hours are limited to standard business days, potentially limiting accessibility for clients needing assistance outside these times.
  • Prepayment Penalties: Dependent on the loan agreement, there could be penalties for paying off the loan early, which would need careful consideration.

Understanding both the strengths and potential drawbacks of Overland Funding’s services will allow potential borrowers to better align their choices with their financial plans and expectations.


Throughout this review, we’ve navigated the contours of Overland Funding’s services, customer experiences, costs, and overall reputation. As we wrap up, it’s clear that Overland Funding presents a portfolio of financial solutions that can cater to a diverse range of personal lending needs. Whether clients are looking to consolidate debt, finance a home improvement project, or address an unforeseen financial emergency, Overland Funding offers a pathway to attain those goals.

The company’s commitment to transparent lending practices is evident in their straightforward communication of terms, rates, and fees. This level of clarity is crucial in the financial sector, where the fine print can make a substantial difference. Moreover, the emphasis on providing a user-friendly online loan application reflects an understanding of the modern consumer’s preference for digital accessibility.

Considering customer reviews, Overland Funding has received a mixed bag of responses. This underscores the importance of individual research. For those considering Overland Funding’s services, it is vital to reflect on both the positive and critical reviews to form a well-informed perspective.

In essence, Overland Funding’s approachable customer service, clear loan terms, and a strong commitment to meeting clients’ financial needs make it a noteworthy consideration for those in the market for installment loans. Nonetheless, potential clients would also need to weigh in aspects like interest rates and working hours to ensure the services align with their personal circumstances and expectations.

The ultimate takeaway is that while Overland Funding offers promising solutions for those seeking financial assistance, every potential borrower must assess their own financial situation, conduct thorough research, and possibly consult with independent financial advisors before making a commitment. In doing so, they will embrace the financial road ahead with confidence, equipped with knowledge and a partner poised to help navigate the journey.


What should I consider before applying for a personal loan?

Before applying for a personal loan, consider your credit score, interest rates, loan terms, and whether you can afford the monthly payments. Also, understand the purpose of the loan and compare offers from multiple lenders to find the best rates and terms for your financial situation.

How can I effectively manage multiple debts without getting overwhelmed?

To manage multiple debts effectively, consider creating a budget, prioritizing debts (e.g., by interest rate or balance size), and exploring debt consolidation options to combine them into a single payment. Consistently reviewing your finances and seeking professional debt counseling can also be beneficial.

What immediate steps should I take if faced with a financial emergency and I need funds?

In a financial emergency, consider liquidating assets, obtaining a personal loan, using an emergency fund if available, or seeking assistance from family or friends. It’s important to assess the urgency and evaluate the most viable and cost-effective options to address the situation.

Are there benefits to improving my credit score before applying for a loan?

Improving your credit score before applying for a loan can qualify you for lower interest rates, better loan terms, and a larger loan amount. It signifies to lenders that you’re a responsible borrower, which can increase your chances of loan approval.

What precautions can I take to ensure I’m not hit with hidden fees in loan agreements?

To avoid hidden fees, read the loan agreement carefully, ask the lender to explain any unclear terms, and keep an eye out for application fees, origination fees, prepayment penalties, and late payment fees. Transparency about all costs upfront is key to avoiding unexpected charges.

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