If you are waiting on a personal injury settlement in New Jersey and your savings are running low, you do not have to choose between paying rent and waiting for fair compensation. America Lawsuit Loans advances you cash against your expected settlement so you can stay stable financially while your attorney fights your case. We provide New Jersey lawsuit loans to plaintiffs with a pending lawsuit in New Jersey.
Our feature is that we provide only non-recourse legal funding, which means that if your case does not settle in your favor, you owe us nothing.
Call 888-335-3537 or apply online. Most decisions come back the same day.
What is a New Jersey lawsuit loan?
A lawsuit loan is not really a loan. That is the first thing to understand.
It is a cash advance on the money your lawsuit is expected to produce. You get cash now. When your case settles, a portion of that settlement repays the advance. Lose your case, pay nothing. We absorb all the risk.
The formal name for this arrangement is pre-settlement funding. Every advance we offer at America Lawsuit Loans is non-recourse.
How it differs from a bank loan: A bank loan requires repayment, no matter what happens with your case. Miss a payment, and you damage your credit. Default, and they come after your assets. Pre-settlement funding works the opposite way. Repayment only happens if you win or settle. Your attorney handles it at closing. You never write a check yourself. That is the only type of funding we offer.
How it works
Step 1: Apply
Fill out the short online application or call 888-335-3537. We ask for your name, your attorney’s contact information, and a basic description of your case. About five minutes of your time. No credit check, no pay stubs, no bank statements.
Step 2: We talk to your attorney
We contact your attorney directly. They review the details with us: the strength of your claim, the liability picture, the expected settlement range. You are not on the hook for that conversation. We handle it.
Step 3: Money in your account
Once approved, funds go out by wire. Most New Jersey plaintiffs have cash in their account within 24 to 48 hours of approval. No application fee. No obligation to accept our offer.
Who qualifies?
Three things need to be true. That is all we check.
- You have an active personal injury lawsuit that has been filed or is in progress. Cases still being investigated but not yet filed do not qualify yet.
- An attorney is representing you on a contingency fee basis. Your attorney takes a percentage of your settlement instead of hourly fees. This is standard for personal injury cases.
- Your case has a realistic settlement value we can fund against. We evaluate the facts of the case, not your financial history. Credit score, employment status, and income are not factors.
About 95% of New Jersey applicants we review get approved. We find a way to help most people who apply.
What types of cases do we fund?
We work with most personal injury and civil litigation cases in New Jersey:
- Car and truck accidents, including rear-end crashes, DUI accidents, rideshare accidents, and commercial vehicle collisions
- Slip and fall cases at grocery stores, apartment buildings, parking lots, and icy sidewalks
- Medical malpractice, including surgical errors, misdiagnosis, birth injuries, and anesthesia mistakes
- Workplace and construction accidents: falls, scaffold collapses, heavy equipment injuries
- Product liability cases involving defective vehicles, dangerous drugs, or faulty consumer products
- Wrongful death cases, where surviving family members can apply on behalf of the estate
- Sexual abuse and harassment civil cases
- Workers’ compensation cases where funding is permitted
- Federal civil rights lawsuits
Not sure if your case qualifies? Call. We look at every application individually and will tell you within hours.
How much money can you get?
Two things determine your amount: the estimated value of your case and how far along the litigation is. New Jersey lawsuit loans from America Lawsuit Loans range from $500 to $750,000.
| Case Type | Typical Advance Range |
|---|---|
| Minor car accident | $1,500 to $10,000 |
| Moderate injury crash | $10,000 to $50,000 |
| Serious personal injury | $25,000 to $150,000 |
| Medical malpractice | $50,000 to $400,000 |
| Wrongful death or catastrophic injury | $100,000 to $750,000 |
These are rough guides, not guarantees. Your actual offer depends on your specific case. We will not offer more than your case can support, because an oversized advance does not serve you.
New Jersey personal injury laws that affect your case
A few things about New Jersey law are worth knowing before you apply.
Modified comparative negligence (the 51% rule)
New Jersey uses a modified comparative negligence system. If a court finds you were 51% or more at fault for an accident, you cannot recover damages. At 50% fault or less, you can still recover, but your award gets reduced by your percentage of blame. For funding purposes, this matters because it shapes the realistic value of your case and, therefore, what we can advance.
Statute of limitations
New Jersey has firm deadlines for personal injury claims. Miss them and your case is gone:
- Personal injury and medical malpractice: 2 years from the date of injury
- Property damage: 4 years from the date of the incident
- Wrongful death: 2 years from the date of death
If your deadline is approaching or you are not sure where things stand, that conversation with your attorney needs to happen today.
No-fault auto insurance (PIP)
New Jersey is a no-fault state for car accidents. Your own Personal Injury Protection coverage pays your initial medical bills regardless of who caused the crash. Minimum PIP in NJ is $15,000. Minimum bodily injury liability is $25,000 per person and $50,000 per accident.
Because PIP pays out first, many NJ accident plaintiffs also file a separate third-party claim against the at-fault driver. That third-party claim is what pre-settlement funding is based on.
Is this type of funding legal in New Jersey?
Yes. Pre-settlement funding is legal in the state. New Jersey does not formally regulate lawsuit funding companies yet, though the Legislature has looked at the Consumer Litigation Funding Act (Assembly Bill 3097), which would add disclosure requirements and rate caps if passed. We support that kind of transparency.
New Jersey accident statistics
New Jersey roads are congested and dangerous by any measure.
- More than 280,000 motor vehicle crashes are reported in the state each year
- In 2023, there were 573 fatal crashes resulting in 606 deaths on New Jersey roads
- About 22% of those fatalities involved an alcohol-impaired driver
- Routes 1, 9, 130, and the Turnpike consistently log some of the highest accident rates in the state
If you were hurt in one of these crashes and your lawsuit is active, funding may be available to you right now.
Why so many New Jersey plaintiffs use pre-settlement funding
Insurance companies are not in a hurry. They have lawyers, adjusters, and time on their side. The longer your case runs, the more your financial situation deteriorates. Bills pile up. You fall behind on rent. Eventually, you accept a low settlement just to end it. That is exactly what they are banking on.
Lawsuit funding breaks that dynamic. When you have money coming in, you can wait for the settlement your case actually deserves. Your attorney can negotiate from a position of strength. You are not forced into a bad deal by desperation.
The difference between an early lowball settlement and a properly litigated case can be tens of thousands of dollars. Sometimes much more.
With pre-settlement funding, you can:
- Pay rent or your mortgage without falling behind
- Continue medical treatment you might otherwise cut short
- Cover living expenses while you are out of work from your injuries
- Give your attorney the time and space to do their job right
New Jersey cities we serve
We fund plaintiffs across the entire state. Newark, Jersey City, Paterson, Elizabeth, Edison, Trenton, Woodbridge, Hamilton Township, Toms River, Clifton, Camden, Brick Township, Cherry Hill, Passaic, Middletown, Union City, Old Bridge, Gloucester Township, East Orange, Bayonne, Franklin Township, North Bergen, Vineland, Piscataway, New Brunswick, Irvington, Hackensack, Mount Laurel, West New York, Parsippany-Troy Hills, Perth Amboy, Howell Township, Freehold Township, Long Branch, Atlantic City, and every county from the Pinelands to the Hudson.
Wherever your case is in New Jersey, call us.
What sets America Lawsuit Loans apart
No credit check. No monthly payments while your case is active. If you lose, you walk away owing nothing. Most applicants get a decision within 24 hours, and we approve about 95% of the New Jersey cases we review. Your attorney handles repayment at settlement, you never write a check personally. We have been funding plaintiffs for over a decade.
A lot of funding companies have come and gone. We are still here because we fund fairly and we do not take on cases we cannot support.
Frequently asked questions
Can I get approved with bad credit?
Credit does not come into it. Our decision is based entirely on your case: the injury, the liability, the likely settlement. Bad credit, no credit, past bankruptcy, none of that affects your application.
How fast does funding actually happen?
Most New Jersey applicants get a decision within 24 hours. If approved, the wire typically goes out the same day or the next business morning.
Will the insurance company find out I took a lawsuit loan?
No. This is a private arrangement. The insurer, the defendant, and the court have no visibility into it and it has no effect on your legal strategy. Your attorney stays in complete control of your case.
Does my attorney need to be involved?
Yes, and that is by design. We contact your attorney directly to review the case and gather documents. We will not fund any case without their participation. Most attorneys are already familiar with how pre-settlement funding works.
What if my case settles for less than you expected?
Repayment is limited to your actual settlement proceeds. If you settle for less, the amount we collect adjusts to match. You will not owe anything out of your own pocket.
I already have funding from another company. Can I apply for more?
Sometimes. If your case has enough expected value to support a second advance, we may be able to help. Call and describe your situation and we will take a look.
What is the actual difference between a lawsuit loan and pre-settlement funding?
Most people use the terms the same way. Technically, a traditional loan requires repayment no matter what happens. Pre-settlement funding is non-recourse, meaning you only repay if you win or settle. Every advance we offer is non-recourse.
What if my case takes years?
Medical malpractice and catastrophic injury cases in New Jersey can take three to five years. Pre-settlement funding was built for exactly that. No payment deadlines. No monthly minimums. Repayment happens when your case ends, however long that takes.
Apply for a New Jersey lawsuit loan today
You have a case. You have an attorney. The missing piece is money to get through the wait without taking a bad settlement.
Call 888-335-3537 or fill out the lawsuit funding online application. Most decisions come back within 24 hours. No credit check. No payments while you wait. If you lose, you pay nothing.
