Is Credit Star Funding A Scam? Earn Up To 60% ROI? What Is This Loan MLM Company REALLY About?

credit star funding website

Welcome to My Credit Star Funding Review!

Gone are the days when loans are only used by business people; now, even regular individuals who are capable of paying them back can approach lenders. 

Thus, the popularity opened opportunities for lenders and now, not only are they able to provide financial assistance; they can also give a way to make money through multi-level marketing (MLM). 

Credit Star Funding Review Summary

Name: Credit Star Funding


Founders: Riccardo Ferrari

Product Type: Multi-Level Marketing

Price: $199 For Commitment Fee + 20% Of Loan For Generation Fee + High-Ticket Investments

credit star funding logo

Quick Summary: Credit Star Funding is a loan MLM company in disguise. It follows a unilevel structure but other than that, it doesn’t look like a legit network marketing platform. The only way to make money is by inviting people and return, you’ll get up to 60% ROI. 

Overall Rating: 1/10

Recommended: No

One loan company under this structure is called Credit Star Funding. However, other than the compensation plan, it doesn’t work like usual MLM companies at all. 

In fact, it’s one of the worst programs I’ve encountered ever so before you sign up, be sure to read this Credit Star Funding review first!


I’m not affiliated with Credit Star Funding so I’m not here to promote or pitch it; instead, I’m here to provide you all the necessary details so you’ll know whether this is a legit money-making opportunity or not. 

What Is Credit Star Funding About?

Credit Star Funding is a unique multi-level marketing company that promotes loans. The brand also helps borrowers to repair their credit scores.

Founded by Riccardo Ferrari in California, USA, the brand claims to help individuals and business owners have the funds they need even without collateral or good credit score. 

Sounds like a good deal to those who need financial assistance, right? However, I found out that Riccardo, its current CEO, and owner, has been involved in various Ponzi schemes so, despite the promising loan terms and opportunity to make money, I’d rather skip this program at all cost.

In the past, Riccardo has promoted a bitcoin mining company called BitClub Network. Eventually, it turned out as a scam so what are the chances that this would not happen with his new company, Credit Star Funding, again?

what is credit star funding about

Credit Star Funding Product Line

Like usual loan providers, Credit Star Funding will give you a loan worth $50,000 up to $250,000. It claims to give your business the financial assistance it needs while improving your credit remark.

In case you’re new to loan, having a good or excellent credit remark offers better loan opportunities. This gives you the chance to borrow a larger loan amount, have a lower interest rate, and longer repayment terms.

But with Riccardo’s program, you can get a higher amount even if you have a low credit rating. For example, the bank can only give you $20k, Credit Star Funding, on the other hand, can provide $50,000 with better rates compared to other lenders.

Apparently, they use “patented systems” that allow them to “work in private mode to bypass filters and online checkpoints.”

Sounds like a good deal, if only it’s true. But realistically speaking, the funds are actually coming from other members, and not banks and lenders.

So basically, there’s no tangible products or valuable services offered other than the loans are given to you, which you need to give, too, to fund other business schemes.

How To Make Money With Credit Star Funding?

There’s only one way to make money with Credit Star Funding and that is by inviting other individuals to apply for the loan. 

Other than that, there’s nothing. A normal MLM company has two to three ways to make money, such as selling products, recruiting people to join the platform, and through bonuses.

Credit Star Funding Compensation Plan

Credit Star Funding follows a unilevel structure for its compensation plan but other than that, it’s really far from being an MLM. 

Every recruit you have should get a loan and from that, you’ll earn 2.5% and another 1% from the invites of your downline. It’s simple yet it’s not really profitable from my perspective. Why? As we go along, you’ll understand that this loan company is more of a scam than a legit program.

Anyway, other than that, there are other investments that Credit Star Funding would like you to take, such as:

  • A.I. Crypto/Stock/Forex Trader
  • Artificial Intelligence Crypto-Currency Trader
  • Bitcoin Accumulation Platform
  • Customer Acquisition Joint Venture

Cryptocurrency is a complicated topic for most people, and here's a quick video to enlighten you:

Is Credit Star Funding A Scam?

Yes. It’s a downright scam that you should not consider. If you need a loan, go to your local bank and ask for financial help. If you have no credit history or if you think the bank would decline your proposal, look for legit lenders instead. The interest rate is higher but when it comes to requirements, they are a bit lenient.

Or you can just look for a legit money-making platform online and use the compensation to cover your expenses. It might take a lot of time and effort but at least, the risk is not as big as the one that Credit Star Funding will give you.

Anyway, the program is not registered with the SEC and the same thing goes for its owner, Riccardo Ferrari. And since it’s considered as a Ponzi scheme rather than an MLM, it’s illegal and everyone involved can be liable for fraud.

So, if this doesn’t convince you of ignoring the platform, I don’t know what else will.

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To become a member (and I hope you won’t consider this), you need to pay $199 for the commitment fee and 22% of the loan amount for the generation fee.

Perhaps, generation fee is the same as the origination fee in loans. It’s the rate charged for processing a new loan application. Normally, it’s just around 0.5% and 1% but with Credit Star Funding, it’s 22%. See the massive difference? 

credit star funding loan company


Honestly, I don’t see any pros about this program. It’s not a legit MLM company, to begin with, so there’s no chance to make money. So, I’ll discuss the cons instead.


Founder And CEO Is Known For His Bad Reputation

The founder’s reputation is important when it comes to building a business, especially nowadays. It’s easy to find a little something about a person so, in Riccardo's case, it’s simple to find out that he doesn’t have a good reputation.

He’s been involved in Ponzi schemes and there’s like a hundred percent chance that he’ll be doing it again, especially since Credit Star Funding works almost the same as his previous company, BitClub Network.

Are you really willing to take the risk?

Bold Claims

According to the platform, you can generate as much as 20% to 60% in ROI. sounds like an American Dream indeed but when you think of it, it’s just a bold claim rather than a guarantee. ‘Cause if it's profitable, most of their members would have been millionaires by now.

A Pyramid Scheme

A Ponzi or pyramid scheme is not legal in most states and countries and that alone is a red flag. No matter how promising their ROI is, it’s clearly a scam. Why?

First, it has no tangible products or reliable services offered. It only depends on the “investment” that each member gives so if there’s no new member, what do you think would happen?

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Who Is It For?

No one!

If you want to ask for a loan, again, go to your local bank or a legit lender. 

If you want to make money, there are other options to consider, such as a home-based job, a legit MLM, or affiliate marketing from reputable programs, like Wealthy Affiliate. Don’t get tempted just because they promised that you’ll get a bigger return.

Final Opinion/Verdict

First of all, not everything you see online is real. If a website claims to give you a thousand dollars in return just for inviting people, be alarmed! Obviously, it won’t do any good because first, how can you make money from it? There’s no product to sell or service to promote.

If the only way to earn is by inviting individuals, then it’s clearly a scam so please, don’t fall for it.

Second, borrowing money, especially with bad credit is a challenge. But you should know that those who offer instant financial assistance are more likely to be a scam or a loan shark. Yes, you may get the approval in less than 24 hours, even without collateral, the interest rate and other risks may be too high. In the end, you might find yourself in a bigger problem so again, please don’t fall for it.

Third, making money online is not easy but possible. You can earn cash even without going out but still, it will require time, effort, and patience. If the platform’s claims are too good to be true (E.g. no experience required), that’s because it is. 

If you want to earn real cash, I suggest you check out my #1 option below.

What’s Next?

If you want to make money online without the need to recruit people or sell fishy products, I suggest that you sign up with my top-recommended program.

 It’s been used by beginners and seasoned marketers online and it gives you the tools you need to get started, such as:

  • Comprehensive guide
  • Training resources
  • Webinars to help you start your business online
  • One-on-one coaching
  • And many more!

Thank you for reading my Credit Star Funding and if you have questions or comments, please feel free to drop it down below.

Have a great day!

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Caroline So

I'm a stay-at-home mom always on the lookout for ways on how to make LEGITIMATE money online. I also love to write; when not working as a content writer, I create blogs about skincare, makeup, motherhood, and digital marketing. I joined Vasiliy as a writer for Best Lifetime Income blog.

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