Credit Star Funding Review – A Loan MLM Scheme

Credit Star Funding Review

How is taking a loan from the Credit Star Funding help you make money?

If that is the question on your mind, you have come to the right place.

For those of you who have been following my website, you’ll know that I always go deep below the surface to get you everything you need to know about any online money-making opportunity.

Honest, unbiased reviews – that is what you will find here.

And if you’d like to see an alternative, honest, and legitimate platform to start earning money online, then please click here.

Credit Star Funding Summary

Name: Credit Star Funding


Founder: Riccardo Ferrari

Product Type: Multi-Level Marketing

Price: $199 Commitment Fee + 22% Of Loan For Loan Fee + High-Ticket Investments

Best For: MLM marketers

Summary: Credit Star Funding is an MLM company offering loans to people, helping them build up their credit, and providing them with investment opportunities.

Overall Ranking: 1/10

Recommend: No


My Unbiased Review For Wealthy Affiliate

What Is Credit Star Funding

Credit Star Funding is a multi-level marketing company that gives out loans. It is based out of California in the US.

The company was founded by Riccardo Ferrari. On the website, we can see a claim that Credit Star Funding executives are equipped with 25 years of experience in the field. However, the site was only registered in Nov 2018.

After taking a deeper look, it appears that before launching Credit Star Funding, Ferrari was promoting the BitClub Network Ponzi scheme. Allegedly, he was doing so well that he made as much as $150,000 every single week by recruiting people into BitClub Network.

When BitClub Network started shutting down in early 2019, Ferrari went on to launch Credit Star Funding.



How Does Credit Star Funding Works

Things might get a little confusing here, but I promise to keep it simple and easy to understand, alright?

If complicated money-making opportunities aren’t your thing, there are businesses with straightforward compensation such as Wealthy Affiliate. They can help you make passive income and get paid in an easy to understand and transparent manner.


Why Should I Take A Loan From Credit Star Funding?

So why do people want to take a loan from Credit Star Funding, why not go to the bank?

Here is the answer as quoted from Ferrari:

” One of the reasons of our success is we have a patented software.

We are connected to large networks of banks. There are 6400 banks in America. Six to seven thousand banks.

But you cannot file an application with too many banks at the same time, because it’ll crash your credit score.

We can take your application and put it through, say um, maybe ten banks, fifteen, sometimes even twenty, until we find one, maybe two or three, that are willing to give you money. Right?

So that’s how we fund people that maybe can only qualify for $10,000.

We can get it out of five different banks. There’s the $50,000.”


Simply put, you can get money from Credit Star Funding even if you don’t have a good credit score. At the same time you get some ‘investment opportunities’ with Credit Star Funding.


Once your loan is approved, you have two options – whether to use the money any way you like, or to invest it with Credit Star Funding:


Credit Star Funding Loan


Pay attention that you don’t get the full ‘loan amount’, part of the money goes to paying loan fee and credit repair.

If you decided to go for Option B, 50% of the money will go to investment with Credit Star Funding:

Customer Acquisition Joint Venture – Earn up to $6.000 per month.

Bitcoin Accumulation Platform – You earn BTC based on the amount of money you put into the business and/or how many servers you get.

A.I. Crypto/Forex/Stock – Invest into Crypto/Forex/Stock and enjoy 30-60% return per month.

A.I. Crypto Trader – Trade cryptocurrency on autopilot with a return of 25-40%


If you are interested to find out more about Credit Star Funding, you can watch the video below:



How To Make Money With Credit Star Funding

The only way to make money with Credit Star Funding is by inviting other individuals to apply for the loan.

To get started, you too need to apply for a loan and pay a $​199 ​commitment fee. The fee will be invoiced on the first unsecured loan or credit line once it is approved.

Thereafter, you will need to pay another loan generation fee of 22%. The interest rates may vary from 9% to 18% or higher depending on your credit conditions.


Credit Star Funding Compensation Plan

Credit Star Funding follows a unilevel structure for its compensation plan.

Every time you recruit someone, the person has to secure a loan with Credit Star Funding. You get 2.5% commission from your direct recruits, whereas Level 2 recruits pay just 1%.


Credit Star Funding Compensation Plan


What I Like About Credit Star Funding

There is nothing that I like about Credit Star Funding.


What I Don’t Like About Credit Star Funding


1. Pay To Play System

In a pay-to-play system, you have to first pay a fee yourself, before you can earn commission by selling it.

In this case, you need to pay $199 for the commitment fee and secure a loan from Credit Star Funding just so that you can promote the scheme to others. There is no way to get started without taking a loan yourself!


2. High Loan Fee

Remember the Loan Fee we mentioned earlier, that takes up 22% of the loan amount? Typically, banks only charge around 0.5% and 1% but with Credit Star Funding, it’s a whopping 22%.


3. Bold Claim

We are told that with Credit Star Funding, we can expect 20% to 60% in ROI – an American Dream indeed.

However, upon checking their disclaimer section, we know that those are merely bold claim instead of an income guarantee.


4. Possibly A Pyramid Scheme.

Pyramid scheme is basically a program without real product or services, and members make money by recruiting others into the same membership program.

As we have discovered earlier, the only way to make money with Credit Star Funding is by recruiting others into taking a loan with the company.

So is Credit Star Funding a pyramid scheme in disguise?

I will let you be the judge.


I got my leads every day without hard-selling.

>> This is how I do it <<


Is Credit Star Funding A Scam?

A lot of marketers will tell you something is a scam just so they can sell you something else.

In my honest opinion, nothing about Credit Star Funding screaming scam. It is one of its kind, to say the least. However, that doesn’t mean I will recommend this to anyone.

On top of all the reasons that I have stated above, I simply don’t like the business idea behind this. With a finite number of potential recruits, businesses that relies heavily on recruitment will eventually run out of steam and collapse.

Nonetheless, my personal preference shouldn’t hinder you either. If you decided to go on with this I do suggest you proceed with caution.

If you are just looking to improve your credit, there are other simpler solutions out there that can help you with it. I would recommend you check out other options to see what would be the best fit for you.



While it is possible to make money with Credit Star, your success relies heavily on your ability to recruit downline. If getting downline is not one of your strong suits, keep on reading because I have good news for you.

Making money online doesn’t always involve a risky investment. In fact, you can get started for free and upgrade along the way. My favourite business model is affiliate marketing.

Look at these people, they are not some extraordinary genius, they are people just like you and me.

And one thing they have in common?


They invest their time and energy on one proven system, which is what I am going to show you.

It is a total package of knowledge, training, and strategies that will guide you from a complete newbie to an extraordinary marketer.

Not only that, I can also be your personal coach if you sign up through my link. I will personally guide you and assist you if you need any help on your venture.

p/s : free membership tier available, no credit card info will be asked



What do you think about Credit Star Funding or affiliate marketing? Share with me your thoughts at the comment section below!

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Hi, I am Grace, the founder of Kernel Affiliate.

Seeing that there is much misleading information in the make-money-online niche, I decided to start up this site to help you look past the hypes and scams and to discover legit online opportunities.

Please make use of my research and reviews in your own ventures. And let me know if it has benefited you!

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