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United Finance Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Nov 30, 2018

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Oregon-based United Finance Company is primarily a consumer finance company offering small loans for vehicles and more. They also offer a small selection of insurance products.

About United Finance

United Finance was founded in 1922 as an automobile finance company. The partnership was incorporated in 1954. Their main operations involve helping consumers to obtain loans for installment payments on things like cars, boats, motorcycles, and similar vehicles. They provide financing directly through dealers, frequently small used lots.

A branch of United Finances known as Financial Insurance Factors handles the group’s insurance products, which are mostly credit life insurance and supplement health insurance.

Headquarters is located in Portland, Oregon, with 18 branches across the state and group partner branches in Washington and Nevada.

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United Finance Insurance Products

Since it is not their main source of business, it is not unusual that United Finance offers very little information about their insurance products on their website. It is likely that they do most of their insurance sales to those who are already in the process of obtaining a loan through the company, as add-on products.

The company’s products are generally credit coverage policies designed to help make payments on loans in the event of a death or injury that affects income.

United’s insurance products include:

  • Credit Life and Disability, which will pay off the loan in the event of the insured’s death, or make payments on the loan while the insured is injured and unable to work.
  • Unemployment Insurance, to make loan payments during a period of unemployment.
  • UNIPAY Accidental Death, Dismemberment, and Loss of Sight Insurance, which is not directly a credit protection plan, but instead pays out on a covered event.
  • Continental Car Club, which is a roadside assistance plan that also includes travel discounts and assistance.

Rates

United does not offer rate information on their website, nor do they do any online quoting. This is not unusual given the nature of their products and the fact that insurance is a sideline for this company.

Claims

The website does not offer information offered on how claims are handled, and again, this is not surprising. United is not primarily in the business of insurance and likely does not handle a lot of claims. They do not appear to have a dedicated claims line, although this information may be provided to the insured directly.

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Ratings and Consumer Reviews

United Finance Company has an A+ rating with the Better Business Bureau (BBB), with only two complaints filed in the past three years. Both occurred in the past twelve months and were closed within that time.

The few reviews of the company are based entirely on their financing products and service. We were unable to find any reviews relating to the insurance products offered by the company, which again points to insurance as a sideline.

There are a few Yelp reviews here and there for various branch locations, but many of these refer to interactions with individuals in those branches.

Overall, we can find little to determine what this company is like as an insurer.

The Bottom Line

United Finance likely sells their insurance products as add-ons to people who are taking out loans. These products are rarely the type that consumers seek out on their own. Those in search of solid life, disability, or similar insurance are better to look to a company that makes such coverage their primary focus.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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United Finance

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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