Where the score comes from

Each source counts by its number of reviews. Only reviews written by people are scored.

Rating, volume, share of the score, six-month trend and fake-review risk for each source
Source	Rating	Reviews	Weight	6-mo	Fake risk
Trustpilot Imported Trustpilot reviews	3.6	60	100%		● Low

3.6 / 5 overall

60 reviews across 1 scored source

How fake risk works ⓘ

Reputation trend

Monthly average rating from reviews written by people · latest review Feb 2025.

Last 3 months: 1.5▲ 0.5
12-month avg: 1.5
All-time: 3.6
Category avg: 4.2

Monthly averageCategory average

How it compares

Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Investment Services.

Overall rating and review count for this company and similar companies
Company	Overall	Legit	Service	Value	Trend	Reviews
CIVIC Financial ServicesThis company	3.6 out of 5 (good)	100 out of 100	3.9 out of 5 (good)	2.0 out of 5 (poor)	—	60
International Card Services	4.2 out of 5 (good)	100 out of 100	3.3 out of 5 (fair)	—	—	1,200
Frontier Home Insurance	4.7 out of 5 (good)	100 out of 100	4.7 out of 5 (good)	4.7 out of 5 (good)	—	1,060
JustCover Travel Insurance	4.8 out of 5 (good)	100 out of 100	4.9 out of 5 (good)	4.7 out of 5 (good)	—	1,060
247 Home Rescue	4.8 out of 5 (good)	100 out of 100	4.7 out of 5 (good)	3.9 out of 5 (good)	—	1,060

Bottom line: CIVIC Financial Services is #5 of 5 on overall rating in this group. On value, Frontier Home Insurance scores higher (4.7 vs 2.0).

Reviews

60 reviews of CIVIC Financial Services. Filter by what matters to you.

3.6ⓘ

Customer reviews (60)

0 reviews in the last 12 months

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Allan Smith

1 review

Jun 12, 2024

A circus on wheels - Use only if you're desperate

I used them ~2018 and it was stressful as I had to get multiple contract extensions with the seller. But we got through it and the rest was okay. Since then, they've gone bankrupt and were bought out by another bank. So they are not stable. I bought land to build on and started a refi for a construction loan with Civic. It's now been 7 weeks and they still have no idea what's going on. The virtual assistant processing the loan is a gopher between me and underwriting. They don't have a settlement statement to review and they don't know when closing is. I am burning time and money at the stake now waiting on them. I regret choosing to go with them, but I will update this review with whatever happens.

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Fuzzball

1 review

Jun 6, 2023

Overall a decent experience

Overall a decent experience, the reason I gave it only 3 stars is because I felt like I was dumped as a client, which kind of hurt. I gotta thank Civic truly since they helped me with my first HML and helped me get my foot in the door of real estate investing. The loan process for my first flip was shaky, ended up almost losing the property but not because of Civic, because of the insurance company taking more than a month to get us the insurance binder. The civic officer I was assigned to was a really nice guy, was always around answering my questions anytime of the day. I was a big noobie, so there was a lot of annoying questions I tossed his way and I do feel bad about it. But, he dealt with me, we manage to close on my first deal and it turned out to be a big success for me. After I closed on the property, I was ready to go straight into my second deal. I tried contacting my officer for a pre-approval letter, but couldn't get a reply from him. Went on a week of no reply so I just called civic customer support for that letter. A manager answered the phone, and literally just directed me into looking at another lending company because "our rates are really high right now, check these guys out instead" which definitely threw me off. I've never seen or heard of a manager directing a client off to a competitor, it just felt like I was being passed on and they didn't want to do business with me anymore, which stung since I really wanted to develop a proper business relationship. I ended up getting scooped by a new lending company, and they've been really cool with me and taking good care. I can't fault Civic for whatever issues they may be going through back end, since they're the primary reason I was able to get my foot in the door. I'll always be grateful for that, but I can get a hint and i'll be moving on. Goodluck! Edit- Just learned the company is now defunct, so it explains why I was tossed aside.

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Month	Average	Reviews
Jun 24	2.0	2
Jul 24	1.0	1
Aug 24	—	0
Sep 24	—	0
Oct 24	—	0
Nov 24	1.0	1
Dec 24	2.0	1
Jan 25	—	0
Feb 25	1.0	1

CIVIC Financial Services reviews & trust report

CIVIC Financial Services has a positive customer experience.

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Where the score comes from

Reputation trend

What people praise & complain about

Top praiseof 37 positive reviews

Top complaintsof 20 negative reviews

How it compares

Reviews

Customer reviews (60)

A circus on wheels - Use only if you're desperate

Overall a decent experience

CIVIC Financial Services FAQ

What types of investment services does CIVIC Financial Services offer?

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Alternatives to CIVIC Financial Services

International Card Services

Frontier Home Insurance

JustCover Travel Insurance

247 Home Rescue

eCapital Freight Factoring

Oodle Car Finance

The CrowdTrust Experience⭐

Civic is a real company but can improve

About CIVIC Financial Services