Is Credit Star Funding A Scam? A Ponzi Loan MLM In Disguise?!

Is Credit Star Funding A Scam Featured Image
Is Credit Star Funding A Scam Featured Image

Welcome to my Credit Star Funding Review!

Is Credit Star Funding a scam? If you haven’t heard of the name, be glad. It’s by far one of the dangerous yet interesting schemes to know.

This company exists as a loan multi-level marketing company. It sounds sketchy, right? It’s because we’re known to the notion of MLMs. They promote whatever products they could scour and build an empire.

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However, in this case, it’s a risky investment because of an alleged Ponzi scheme. We’ll dig into that later. But for now, I like you to stay curious towards the end of the post.

You’re going to like our #1 recommended online opportunity without putting yourself and others at risk. It doesn’t cost you anything. Trust me.

Are you ready? Let’s dive into the post. Shall we? 

Credit Star Funding Review - Quick Summary

Name: Credit Star Funding

Founded: 2018

Founder: Riccardo Ferrari

Type: Multi-Level Marketing 

Price: $199 commitment fee + 22% of the loan for generation fee + high-ticket investments

Best for: Nobody.

Is Credit Star Funding A Scam Logo

Summary: Riccardo Ferrari runs Credit Star Funding as a multi-level marketing company in 2018. Although there’s no disclosed date of its launch, his LinkedIn profile indicates the same year. As an MLM, they provide loan opportunities used for alleged Ponzi schemes.

Is Credit Star Funding Recommended? No. It’s not a good business idea to deal with an MLM in the first place. How much more dealing with a network marketing company that gives you loan opportunities to invest in Ponzi schemes.


What Is Credit Star Funding?

Most reviews I found tell the same thing, stay away from Credit Star Funding. What makes me curious is the reason for arriving at the same judgment. So, I scoured the internet and saw surprising facts about this multi-level marketing company. 

When you land on its official website, the first thing you notice is the professional-looking page with convincing claims about applying for loans for investing. 

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At first glance, it looks okay. The benefits are disclosed, as well as an FTC disclaimer. It’s a good thing to do. 

Well, the thing is you can have a decent-looking website nowadays. Even if they hire someone to set up a cool site, that doesn’t mean this company is a good business to deal with. If not, at least we could prove its legitimacy. 

Here’s the thing.

Nobody knows when Credit Star Funding was officially launched. I looked into its official and no information was there. So, I landed on the CEO’s LinkedIn page and found out that he started in this position in 2018.

That indicates that Ferrari might have started this multi-level marketing company in the same year. This is only an assumption as there’s no official statement or information disclosed on various resources. 

Another red flag you need to know is that Credit Star Funding provides hoax claims about financial growth based on loans. 

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There's nothing wrong with investing using loans, but make sure it's good debt.

Although you can, it's a big risk. Robert Kiyosaki, the most-sought financial expert, encouraged people to learn more about making good debts. 

He wrote, “[Other People's Money] OPM is a fundamental concept of Rich Dad and a sign of high financial intelligence. By using both good debt and OPM, you can dramatically increase your Return on Investment (ROI) - and you can even achieve infinite returns. 

However, it's advisable to expect financial growth when you already started with bad debt from the beginning. Kiyosaki pointed out that involving liabilities in loans is bad debt. 

What happens is that when you invest in a Ponzi scheme, there's no real investment. If this were true, Credit Star Funding operations should be stopped. 

Money Smart, an Australian government-supported website, wrote on their page about the top warning sign to watch out in a Ponzi scheme: the company promises suspiciously high return rates (higher than 10% per month). 

Let's check if Credit Star Funding passes this qualifier...or maybe not. 

Vasiliy of Best Lifetime Income revealed that this loan MLM promises its members to get as much as 60% ROI. Our suspicions were correct. It's not a good sign. 

Is Credit Star Funding A Scam Landing Page

Credit Star Funding landing page featuring its promising benefits for members

Who Is Credit Star Funding For?

Nobody. I mean, seriously, it’s best to stay away from this loan network marketing company. You may think this is an ordinary loan opportunity at first glance. But it’s an MLM in disguise. 

They promise to give you a loan worth $50,000 to as much as $250,000 as a sort of financial assistance to improve your credit mark. 

But then, it gets fishy. Credit Star Funding provides 50% more than the banks could do. 

For example, you apply for a loan in a bank and fail to get $50,000 as you desired. But with this MLM, you will with an extra 50%. Thus, you will get $100,000 financial assistance on your account. 

Now, you're wondering where do these funds come from? If the banks can't fulfill the amount you want to withdraw, why can Credit Star Funding do what banks can’t do? 

According to various sources, it's not from the company nor the profits. Your money didn't grow. You're only paying other people's accounts. The cycle goes on and on until the Ponzi scheme collapses. 

Is Credit Star Funding A Scam Sources

Credit Star Funding shows 6 funding choices for loan

As an MLM, Credit Star Funding follows a unilevel compensation plan, which means the payout is linear and without legs for sure. You aren't sponsoring teams for the left and right legs as other companies do. 

In a unilevel compensation structure, you're given 2.5% from the share and another 1% to your referrals. From you, your downline expands and earns commissions in return.

Based on the sources, using the loans you made can be used to invest in the following:

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

If you think these are good opportunities to grow your money, it's not. Aside from having your loaned money to pay other members, your money is reduced to 22% for a supposed generation fee. 

Not only that, but you also have to pay $199 for commitment fees and purchase high-ticket investments. Given all these red flags, do you think Credit Star Funding is a good investment? 

I don't think so. 

Pros & Cons of Credit Star Funding

Due to the insurmountable number of negative responses from the online community, we can’t determine the good sides of Credit Star Funding. But we’ll still try. 

Because in every way, there are red flags to watch out for.

1. High BBB Rating

Despite the allegations, Credit Star Funding has proven itself to reputable company review sites and earned a high-rating from its evaluation. 

Its high rating could be a good indication that this MLM offers legitimate opportunities to grow your money. 

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Yet, its accreditation status says otherwise. They failed to get the said status from the Better Business Bureau (BBB) due to a lack of information or lack of basis to determine it. 

If you take a look at the number of complaints, it’s hard to judge when nobody is filing a concern against Credit Star Funding.

Is Credit Star Funding A Scam BBB

Better Business Bureau (BBB) gave Credit Star Funding a high rating.

1. Loan MLM In Disguise

As I pointed out earlier, Credit Star Funding may look like an ordinary financial assistance group to help you in your loans and other related-concerns. Believing you could get a $50,000 loan without risky conditions, you’re wrong.

Many reviews pointed out that this network marketing company faces allegations of putting their members financially at risk.

2. Tricky Income Opportunity

One of the common ways Ponzi schemes work to trick people is to implement a simplified compensation plan. The scammers don’t have to complicate all that stuff in fear everything collapses. 

Unlike real network marketing companies, Credit Star Funding has overly simple unilevel compensation plans for its members. 

You earn commissions from inviting people, which follows the same system for your referred persons when they invite someone to join the company. This is how Credit Star Funding claims to pay you and assist your finances to grow. 

But the truth is, it’s not the real case. 

Is Credit Star Funding A Scam Promises

Credit Star Funding promises 90% success

3. Suspiciously High Returns

Concerning my previous point, most Ponzi schemes promise ridiculously high return rates to its members. Legitimate loan companies or even banks don’t go beyond 10% of returns. 

However, Credit Star Funding promises as much as 60%, which is too high and too-good-to-be-true promises to fulfill. This is because it leaves you an impression where they get all the money. 

From there, you start becoming suspicious. You should be.

4. Expensive Opportunity Option

You have to spend $199 to prove your commitment to Credit Star Funding in exchange for allowing you to apply for loans. However, when you become one of its members, you don’t enjoy 100% of the loaned money. 


This is because the company will deduct 22% of the entire amount for generation fees. 

Let’s say, you applied for a loan worth $50,000. You don’t get the exact amount because they will take 22% from it. That gives you an $11,000 deduction.

Where does this go? Of course, for the members. This is an allegation, though, based on the responses of the members and other reviewers who shared their sentiments in the public domain.

5. Lots of Negative Reviews

If you take a look at these reviews, nobody said something nice against Credit Star Funding. Nobody seems to be impressed with their services. 

Is Credit Star Funding A Scam SERP

Google search results show no positive reviews about Credit Star Funding.

6. CEO's Bad History

As it turned out Riccardo Ferrari, the founder, and CEO of Credit Star Funding had a bitcoin mining company called BitClub Network, which was an alleged scam.

This is why people thought he could do the same with his new company. Do you think so? It's up to you to judge whether he will or not.

Is Credit Star Funding A Scam CEO

Riccardo Ferrari, founder and CEO of Credit Star Funding

Is Credit Star Funding a Scam?

Based on the allegations against Credit Star Funding, everybody appears to be suspicious about this company.

If we were to refer to the FTC guidelines to determine whether this MLM is indeed a Ponzi scheme, it qualifies because of its high returns worth 60%. 

Although the internet provides an overwhelming number of qualifiers Credit Star Funding possess, the company, in response, wrote an FTC disclaimer on the page stating that whatever they promote works.

Is Credit Star Funding A Scam Disclaimer

Credit Star Funding will not guarantee your income. That's for sure. So, why waste your time?

In an article published on the FTC blog, dishonest companies lure their victims to investing through its false promises. 

In return, what they do is take advantage of their members who failed to pay that month, leaving the fees and interests to grow. 

"Borrowers still owed money under the original loan terms, and sometimes even owed more money because of interest payments and late fees," according to the same source. 

Conclusion - Is Credit Star Funding Worth It?

No, it’s not going to be worth your time and money, as well as the risk needed to join this multi-level marketing company for several reasons. 

Firstly, this could be a scheme and the reviews from other people could be right. What disappoints me is that though Credit Star Funding presented itself as a reputable loan company, it's not. 

I scoured the internet looking for trusted review sources from customers or former members, sharing their experiences with the company. However, I failed. 

Its Facebook page only has 46 likes and nobody has ever written a review about the loan company. 

In addition to that, no complaints were raised on the Better Business Bureau (BBB), although they earned a good score (an A+). 

That said, it’s not difficult to distinguish a good business opportunity to make money. You don’t need to risk a lot of money to become financially independent. 

Yes, making money online enables you to travel around the world and an ultimate freedom but you must be willing to work for it.

All you have to do is to take action, click the green button below and learn the step-by-step process.

Unlike Credit Star Funding, you don’t need to deal with suspicions and doubts because the #1 recommended opportunity works.

It works for Roope Kiuttu, the founder of Your Online Revenue LLC and it does the same for others who followed the system. 

If this sparks your interest versus the opportunity Credit Star Funding offers you, click the green button below and get started today. 

Now that I shared my thoughts on my “Is Credit Star Funding A Scam?” post, it’s time to turn the table and ask about your experience, in general.

What kinds of experiences do you have with making money with Credit Star Funding? Is it worth your time, money, and effort?

Do you prefer to begin earning your first passive income through affiliate marketing or you instead invest your time, money, and effort into income-generating opportunities like this?

Let me know in the comments below! 🙂

If you need any help to get started making money online, don't hesitate to ask in the comments below and we'll be happy to help you out! 

By Mecyll Gaspary

Hi, I'm Mecyll! I'm a full-time writer in Your Online Revenue, dedicated to dig into the world of making money with Roope. When I'm not spending time writing reviews, I'm writing novels and blog posts on my own website.

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