Class Action Lawsuit Loans
Class action lawsuit loans are for class members who have their own lawyer and a filed case or pending settlement.
You could get $500 to $250,000+. If the class action fails, the advance is wiped out and you owe nothing.
To start, apply online or call. We confirm the details with your lawyer.
Do I qualify?
Yes, if your own lawyer can confirm a large claim.
- A lawyer represents you personally, not just the class as a whole.
- Your lawsuit is filed, or a settlement agreement is in progress. Bankruptcy trust claims (a claim paid from a fund set up in a bankruptcy) also count.
- Your lawyer expects your own share to be large enough to support an advance.
- Your case was brought in one of the 41 states we fund.
People call it a lawsuit loan. It’s a non-recourse advance, not a loan: if you lose, you owe nothing.
Credit scores, pay stubs and old debts play no part. Our state guide lists every state we cover; the filing state counts, not your address.
How it works
1. Apply
Use the form on our site, or phone 888-335-3537. We need the case name, your role in it and your lawyer’s details.
2. We check with your lawyer
Your lawyer tells us where the case stands and roughly what your share could be.
3. Get a clear answer
If we can fund the claim, you get written terms. If we can’t, we tell you why.
4. Get paid
After both of you sign, we send the money. Your lawyer pays us from the settlement before passing the rest to you.
Who Can Get Class Action Lawsuit Loans
A class action is one lawsuit filed for a whole group. The court must approve the class, any deal and the plan for splitting the money. Each step takes time, and many cases run two to five years.
Why most class members can’t be funded
One fund gets split among everyone in the class. In a data breach or refund case, each share may be a few dollars. That’s too small to advance against.
There’s a second problem. A company picked by the court often mails each member’s check, so no lawyer of yours handles the money.
Who can be funded
Class action lawsuit loans fit a few groups best, as long as a lawyer represents you:
- Named plaintiffs: the people who brought the case. They work with its lawyers and often carry it for years.
- People who opt out (leave the group deal and keep suing) by filing their own lawsuit. That case is yours alone, and we review it like one.
- Workers in wage or overtime class cases whose back pay is worked out one by one.
- Investors and fraud victims with large losses, when each payout follows what that person lost.
- Abuse survivors in group deals paid through a trust or state fund, like BSA claims and YDC claims.
You may have a mass tort instead
Often, the case is really a mass tort (many people hurt by the same product or exposure). There, each person keeps a claim and a lawyer of their own. Payouts follow each person’s injuries, which makes the claim far easier to fund.
Drug and product cases in the news are often mass torts. See our pages on defective drug claims and product liability claims, or the mass tort hub.
Questions we put to your lawyer
Your role in the case comes first, then whether the court has approved the class. We also ask if a deal is in place and how your share will be worked out.
What lowers or blocks an advance
If your share is small or hard to pin down, the advance shrinks or isn’t possible. A class the court hasn’t approved yet adds risk. If the deal is approved and the checks are close, an advance may not be worth its cost.
What the money is for
Most people put it toward rent or a mortgage, medical bills, utilities, groceries and getting to work.
Help for law firms
Firms carrying the cost of a class case can ask about our attorney funding. For the basics, see our guides to pre-settlement loans and to non-recourse funding.
Our full list of case types sits on the cases we fund hub.
Class Action Lawsuit Loans: Your Questions
Is a class action advance a real loan?
Not in the usual sense. You repay it from your share alone, and only when the case pays out. If the case is thrown out, the class isn’t approved or your claim is denied, you owe nothing.
Can any class member get funding?
No. Most shares are too small, and a court-picked company often pays members directly. Funding works best for named plaintiffs, people who opt out and members with large losses and their own lawyer.
How is a class action different from a mass tort?
In a class action, a single suit covers the group and the payout is shared. In a mass tort, you keep your own claim and lawyer, and your payout follows your injuries. That’s why mass tort claims are easier to fund.
If I opt out of the class, can I still get funding?
Often, yes. Once you opt out and file your own lawsuit, we review it like any other case. Opting out has deadlines and real tradeoffs, so decide it with your lawyer, not because of funding.
What decides my amount and the cost?
Your amount follows the size of your own share. We can’t quote a price here: it depends on the amount and how long the case runs. Your written offer shows the exact total before you sign.
Get Started With Class Action Lawsuit Loans
Named plaintiff, opt-out or member with a big loss: tell us where you fit. We’ll check the rest with your lawyer and give you a straight answer. It costs nothing to ask.
Advances are non-recourse, so no recovery means no repayment. We fund cases; we don’t practice law. Staying in a class or leaving it is a legal choice to make with your lawyer.
Sources
We checked this rule on October 22, 2026. Ask your lawyer what it means for your claim.
- Rule 23, Class Actions, Federal Rules of Civil Procedure, Legal Information Institute, Cornell Law School