Get Cash Now From Your Car Accident Settlement
Why Is My Car Accident Settlement Taking So Long?
Your bills started the day of the crash. Your settlement could still be a year away. That gap is the whole problem, and the insurance company knows it.
A car accident claim takes time for real reasons. Your attorney usually waits until you reach maximum medical improvement, the point where doctors know how far you will recover, before putting a value on your case. Settle before then and you risk leaving money on the table for surgeries or therapy you still need. After that come the demand letter, the back-and-forth with the adjuster, and sometimes a lawsuit if the insurer will not pay fairly. Months pass.
Insurers count on that delay. A common tactic is to open with a lowball offer and wait, betting that lost wages and a stack of medical bills will pressure you into taking far less than your claim is worth. When you are behind on rent, even a bad offer starts to look tempting.
A car accident lawsuit loan removes that pressure. We advance part of your expected settlement now, so you can cover your bills and let your attorney hold out for a fair number. This is not a payout from the insurance company. It is an advance on the future value of your own case.
How Our Funding Works
- If you win or settle your case, your attorney repays us from the proceeds. You never write us a check yourself.
- If you lose your case, you owe us nothing and you keep the money we sent you.
We take the risk so you do not have to.
1. Apply online or call
Tell us a little about your accident and how much funding you need, then give us your attorney’s contact information. It takes about two minutes.
2. We talk to your lawyer
We contact your law firm for the basic documents about your claim, then review your case to decide how much we can advance. You do not pay for this review.
3. You get paid
Once approved, we send the contract to you and your attorney. After it is signed, we wire the funds to your bank account or send a check, often within 24 hours.
Car Accident Cases We Fund
Rideshare Accidents
Crashes as an Uber or Lyft passenger, or hit by a rideshare driver. See Uber accident funding.
Truck Accidents
Semi-truck and 18-wheeler crashes often mean severe injuries and larger claims. See truck accident funding.
Bus Accidents
Public transit, school bus, and charter bus crashes. See bus accident funding.
Pedestrian Accidents
Struck while walking, in a crosswalk, or in a parking lot. See pedestrian accident funding.
Motorcycle Accidents
Riders hurt by a careless driver usually face long recoveries and high medical bills while the case plays out.
Rear-End and Multi-Car
Rear-end, intersection, head-on, hit-and-run, and drunk-driving crashes where another party was at fault.
Who Qualifies for a Cash Advance?
- You have hired an attorney. We work directly with your law firm to verify your case, so we cannot fund people who are representing themselves.
- You have a pending claim. Someone else was at fault for the crash, and your lawyer is pursuing a settlement or lawsuit on your behalf.
If both are true, you are likely eligible for immediate funding. There is no credit score requirement, no income check, and no job history needed. We base everything on the strength of your case.
How Much Can You Get?
The amount depends on the estimated value of your claim. We typically advance roughly 10% to 20% of the expected settlement, so you still receive the large majority of your money when your case resolves.
For example, if your case is valued around $100,000, an advance is usually in the range of $10,000 to $20,000. Not sure what your claim is worth? We can review it with your attorney at no cost and no obligation.
- Rent or mortgage payments
- Medical and hospital bills
- Replacing or repairing your vehicle
- Lost wages and everyday living expenses
What Does It Cost?
Most funding companies will not say this plainly, so we will. A cash advance is not free. It costs more than a bank loan because we take on real risk. If your case settles for less than expected, or pays nothing, that loss is ours.
Before you sign with anyone, get the full payoff amount in writing, not just the rate but the actual dollar figure you will repay. Then have your attorney review it. With us there are no hidden fees and no application fees, and your lawyer sees every term before you accept.
Take an advance only for what you genuinely need now. If you can comfortably wait for your settlement, waiting keeps more of it in your pocket. Our job is to help you make the right call, not to push you into one.
Car Accident Lawsuit Loan FAQs
What is a car accident lawsuit loan?
It is a non-recourse cash advance against your future car accident settlement. You get part of your expected money now and repay it only from your proceeds when your case resolves. People also call it auto accident settlement funding or pre-settlement funding. Despite the name, it is not really a loan, because if your case pays nothing you owe nothing.
How much money can I get?
It depends on the estimated value of your claim. We typically advance roughly 10% to 20% of the expected settlement, so you keep the large majority of your money when your case resolves. On a case valued around $100,000, that is usually $10,000 to $20,000.
What if I lose my case?
You owe nothing. The funding is non-recourse, so if your case does not pay out, the loss is ours. You keep the cash we sent you, and your home, savings, and credit are never at risk.
Will this affect my credit score?
No. We never run a credit check. Your credit history has no impact on your approval, and applying does not show up on your credit report. Approval is based on the strength of your accident claim.
Do I still qualify if the accident was partly my fault?
Often, yes. Many states follow comparative negligence rules, which let you recover damages even if you share part of the blame, with your award reduced by your percentage of fault. As long as your attorney is pursuing a valid claim against another at-fault party, you may still qualify. Your lawyer can confirm how your state’s rules apply.
Can I get a second advance or a buyout?
Often, yes. If your case value supports it, you can request additional funding later as your case progresses. If you already have an advance from another company, we can sometimes do a buyout, paying off that company and giving you additional cash. Ask us to compare the numbers so you know exactly what you are getting.
How fast can I get funded?
Most approved applicants are funded within 24 hours. The main factor is how quickly your attorney’s office sends the documents we request, so let your lawyer know to expect our call.
Will taking an advance affect my settlement?
No. You and your attorney stay in full control of your case and every decision about settling it. We have no say in your legal strategy. Our advance is simply repaid from your proceeds at the end, after your attorney’s fees and any liens are handled.
