United Finance Insurance Review & Complaints: Life & Disability Insurance

United Finance Co is a consumer finance company that offers a limited number of insurance products, including unemployment insurance. Our United Finance review reveals an A+ rating with the Better Business Bureau.

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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 place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 24, 2022

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United Finance

Financial Strength

Oregon-based United Finance Company is primarily a consumer finance company offering small loans for vehicles and more. Though not really an insurance company, 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 and frequently small used lots.

A branch of United Finances known as Financial Insurance Factors handles the group’s insurance products, the types of coverage mainly being credit life insurance and supplemental 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 is a roadside assistance plan that also includes travel discounts and assistance.


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.


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 from customers regarding 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 in terms of customer satisfaction.

The Bottom Line

United Finance likely sells their insurance products as add-ons to people who are taking out personal 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.

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