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Common Questions

Lawsuit Loans Questions and Answers

We offer risk-free lawsuit cash advances to plaintiffs who are currently going through the litigation process and need to borrow money now, before getting their settlement.

There are many misconceptions about lawsuit loans. The insurance industry and various special interest groups have mounted an aggressive campaign to tarnish lawsuit loan companies and our financial products.

Our frequently asked questions page will answer many of the common lawsuit loans questions. The hope is to better educate you about lawsuit loans and dispel the myths and inaccurate surrounding it.

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1. What is a lawsuit loans?

A lawsuit loan is a descriptive term used to illustrate our lawsuit funding financial offerings available to accident victims and plaintiffs in the United States. A lawsuit loan is simply a risk-free cash advance from a future lawsuit settlement. The cash advance is secured by a pending settlement and not the borrowers personal ability to pay.

2. Is this like a bank loan?

No, a lawsuit loan is not a bank loan, or a loan at all for that matter. There is no credit check, no application fee, no employment requirements, and no monthly payments. Furthermore, unlike a bank loan, repayment or the paying back of the lawsuit loan is not absolute. There is no obligation to pay back the money that was advanced to you if your attorney does not win or settle the case. The term "loan" and "loans" are used to described advancing funds against the possible future proceeds of a settlement.

3. Am I eligible for a loan on my lawsuit?

You are eligible to apply for a lawsuit loan if you have an attorney representing you in a personal injury, wrongful death, medical malpractice, workers' compensation, or product liability lawsuit. Also, please check the most updated state-by-state list to see if lawsuit funding is available in your states.


4. Can I get a lawsuit loan without an attorney?

No. You must have hired an attorney on a contingency fee agreement.

5. What if I have no credit or bad credit?

That's fine, go ahead and put in your application. We are not concerned with your credit history or your credit score. Getting approved for a lawsuit loan is determined primarily by the merits of your case and the total amount of recoverable insurance.  

6. What is your lawsuit loan interest rate?

Don't fall for unscrupulous lawsuit loan companies advertising dishonest rates. Some companies will even go far as to outright lie about offering low rate lawsuit loans. We don't do that here. We won't lie to you about our rate and try to bait-and-switch you at the end. We proudly disclose our competitively priced usage rates, which for preferred cases fall between 2.75% to 3.25%, depending upon the facts of the case

7. How much money can I borrow?

We encourage plaintiffs to borrow only what that need. With that said, we have the resources to provide lawsuit cash advances as low as $500 and as high as $200,000. The amount of money we advance a specific case will depend on the merits and facts surrounding the case.

8. How long does this take?

We can have customers approved and checks mailed in 1 day. However, we also have the ability to provide same day funding as well. To find out if your case qualifies for same day lawsuit funding, simply call and ask for a phone consultation.

9. How do I get the money?

You have the choice of getting a check sent to your home by overnight delivery or the funds wired to your account.

10. What type of cases do you fund?

We provide lawsuit funding for personal injury cases such as car accident lawsuit loans, slip and fall lawsuit loans, tractor trailer accident lawsuit loans, and trip and fall lawsuit loans. We specialize in workers compensation lawsuit loans, wrongful death lawsuit loans, medical malpractice lawsuit loans, and defective product lawsuit loans.

11. How can I get started?

Getting started is easy. Please call us to speak with a live funding specialist or fill out the online application--it's fast & easy. Once, we receive your lawsuit loan application, we'll take it from there. An agent in our underwriting department will contact your law firm to gather some additional information about your pending lawsuit so we can proceed to underwrite your case and determine exactly how much money you can borrow from your pending lawsuit.

12. Is a lawsuit loan from your company really risk-free?

Yes. There is no obligation just for calling or submitting an application with our company. More importantly, you have nothing to lose--if you lose your case, you owe nothing. The lawsuit cash advance is paid back only if and when your attorney wins or settles with the insurance company or defendant.


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