Get cash before your lawsuit settles: Are financial struggles making it hard to wait for your lawsuit settlement?
You’re not alone. Many plaintiffs face months or even years of financial stress before they receive compensation.
A cash advance on a pending lawsuit, also known as pre-settlement funding or pending lawsuit loans, can provide the financial relief you need without the risks of traditional borrowing options.
Unlike bank loans and those from credit unions, this is a type of non-recourse legal funding, meaning:
- No credit checks
- No monthly payments
- No repayment unless you settle or win your case
🟢 Apply now and you can get cash in your account in little as 24 hours. We work fast to get you approved at Express Legal Funding.
What Is a Cash Advance on a Pending Lawsuit?
A lawsuit cash advance, also known as pre-settlement funding, is a financial arrangement where plaintiffs receive a portion of their expected settlement before their case concludes.
Unlike traditional loans, this advance is non-recourse, meaning you only repay if you win or settle your case.
How Can You Spend a Lawsuit Cash Advance?
A lawsuit cash advance provides immediate financial relief, helping cover essential expenses while your case is pending. You can use the funds for:
- Rent or mortgage payments to avoid eviction or foreclosure
- Medical bills and ongoing treatment for accident-related injuries
- Car payments or transportation costs to maintain mobility
- Daily living expenses like groceries, utilities, and childcare
Many plaintiffs rely on pre-settlement funding to stay financially stable while their attorneys negotiate a fair settlement.
How to Get a Cash Advance on a Pending Lawsuit
Applying for pre-settlement funding is simple, and most approvals happen within 24 hours once your attorney provides the necessary case details.
Step 1: Apply Online or By Phone
- Fill out a quick application—no upfront fees or credit checks required. There is no obligation to accept your funding offer.
Step 2: Your Attorney Provides Case Details
- The legal funding company contacts your attorney to review case details.
- You do not need to provide personal financial information.
Step 3: Approval Process (Often Within 24 Hours)
The funding company evaluates:
- Case strength and liability
- Expected settlement amount
- Medical expenses and damages
Step 4: Receive Pre-settlement Funds via Direct Deposit or E-Check
- Once approved, you can receive the lawsuit funds in as little as 24 hours.
- Funds are deposited directly into your bank account or sent as a printable check to your email with instant funding options.
Get lawsuit cash funding in as little as 24 hours—apply now.
Do You Qualify for a Lawsuit Cash Advance?
To qualify for a lawsuit cash advance, you must:
- Have a pending lawsuit with a potential cash settlement
- Be represented by an attorney on a contingency fee basis.
- Have a strong case with clear liability (high likelihood of winning or settling)
Common Cases That Qualify:
- Car accidents and personal injury lawsuits
- Slip and fall accidents
- Medical malpractice claims
- Workers’ compensation cases
- Wrongful death and product liability lawsuits
📞 Not sure if your case qualifies? Call Express Legal Funding for a free consultation.
👉 Toll-free: (888) 232-9223
Availability of Lawsuit Cash Advances by State
Lawsuit funding is available in most states, but some states have restrictions or regulations that limit or prohibit pre-settlement funding. Certain states, such as Arkansas, Colorado, and West Virginia, have stricter rules that may prevent funding companies from operating.
If you’re unsure whether you qualify based on your location, check with a reputable funding provider or consult an attorney.
How to Check If You Qualify for Legal Funding in Your State
State laws can change, and some require consumer legal funding companies to operate under specific licensing and government regulator oversight. Before applying, it’s best to
- Consult with a lawsuit funding provider to see if they operate in your state.
- Ask your attorney or law firm whether lawsuit funding is permitted in your jurisdiction.
- Review your state’s consumer finance laws or check with local legal aid organizations.
⚠ Important: Even if lawsuit funding is available in your state, always review the contract terms and repayment structure before accepting a cash advance on your case settlement.
How to Discuss Lawsuit Funding With Your Attorney
Your attorney plays a crucial role in the lawsuit funding process, as they must provide case details and communicate with the funding company.
Some attorneys may have concerns about lawsuit advances, so it’s important to approach the conversation strategically:
- Understand Their Perspective: Some attorneys worry that too much funding could reduce your final settlement. Others prefer clients to avoid funding to prevent financial pressure during settlement negotiations.
- Explain Your Need for Funding: Be clear about why you need a cash advance (e.g., rent, medical bills, daily expenses) and how it can help you avoid accepting a low settlement out of financial desperation.
- Ask for Their Guidance, Not Just Approval: Instead of simply asking for permission, involve them in the decision. For example, “I need financial relief while my case is ongoing. What’s the best way to approach lawsuit funding?”
- Choose a Reputable Funding Company: Attorneys may be more cooperative if you work with a company known for transparency and fair terms.
- Ensure They Provide Case Information: Your attorney will need to share case details, expected settlement value, and damages for approval.
- Address Repayment Concerns: Show your attorney that you understand the costs and repayment terms, and ask if they’d like to review the contract before signing.
Bottom Line: Lawsuit funding can be a valuable financial tool, but keeping open communication with your legal representation helps ensure it aligns with your best interests.
How Large of a Cash Advance Can You Get on a Pending Lawsuit?
The size of the lawsuit cash advance you can receive depends on the value of your case and the expected settlement amount.
Lawsuit funding range: $500 to $500,000
- Larger settlements result in higher cash advance potential for plaintiffs.
How Are Lawsuit Cash Advance Amounts Determined?
The amount you can receive as a cash advance for your pending lawsuit is typically based on a percentage of your expected settlement.
Underwriters at lawsuit funding companies assess these details:
- Case type and severity of injuries
- The strength of your case (liability determination and available evidence)
- Insurance coverage limits (high insurance policy limits = higher settlements)
- Projected settlement value (higher settlements = higher funding)
- Medical expenses and lost wages (economic damages)
- Non-economic damages (pain and suffering, loss of consortium, emotional distress)
- Attorney involvement and case progress
Average Lawsuit Cash Advance Amounts by Case Type
| Case Type | Average Lawsuit Cash Advance Amount | Factors Considered |
|---|---|---|
| Minor Car Accident | $1,000 - $2,500 | Property damage, soft tissue injuries |
| Severe Car Accident | $10,000 - $50,000 | Medical bills, lost wages, long-term recovery |
| Medical Malpractice | $20,000 - $100,000+ | Surgery costs, long-term disability |
| Slip & Fall | $2,500 - $15,000 | Severity of injuries, insurance coverage |
Apply now to see how much you qualify for.
Advantages and Drawbacks of Lawsuit Cash Advances
Use the following table to understand the unique benefits and potential downsides of getting a cash advance on a pending lawsuit.
Pros and Cons of a Lawsuit Cash Advance
| Pro/Con | Details |
|---|---|
| Pro | Get cash now instead of waiting months or years for a settlement. |
| Pro | No credit check or employment verification required. |
| Pro | Risk-free—if you lose your case, you owe nothing. |
| Con | Higher costs than traditional loans due to the risk taken by the funding company. |
| Con | Some companies charge hidden fees—always read the contract carefully. |
| Con | Not all cases qualify—approval depends on case strength. |
Understanding Lawsuit Funding Costs
While lawsuit cash advances provide financial relief, they come at a higher cost than traditional loans. Pre-settlement funding fees typically range from 2% to 4% per month, depending on the funding company and case details.
📊 Example Cost Breakdown:
- If you receive $5,000 in pre-settlement funding at a 3% monthly fee, and your case settles in 12 months, your total repayment amount would be approximately $7,150.
- Breakdown: $5,000 principal + ($5,000 × 3% × 12 months) = $7,150
🔎 Learn more in our guide to help you secure the most favorable terms: Lowest Cost Pre-settlement Funding
⚠ Important: Avoid Hidden Fees in Lawsuit Funding
Before signing, ask:
- What is the total repayment amount?
- Are there monthly compounding fees?
- Is there a cap on repayment?
Choosing a lawsuit funding company with transparent pricing ensures you don’t overpay when your case settles.
How to Choose the Best Lawsuit Funding Company
Not all legal funding companies are the same. Look for a provider that offers:
- Low, transparent rates with no hidden fees
- No monthly payments—repayment only after settlement
- Direct lending rather than using brokers to avoid extra fees
- Fast approvals with no credit check
🚨 Avoid Deceptive Lawsuit Loan Practices and Hidden Fees
- Some companies offer low upfront rates but charge multiple compounding monthly fees that skyrocket repayment costs.
- Always read the fine print before signing any funding agreement.
Get lawsuit cash funding with a trusted provider—apply today. Discover how you can qualify for a same-day pre-settlement loan.
FAQs – About Cash Advances on Pending Lawsuits
How long does it take to receive lawsuit cash advance funds?
Most approvals happen within 24 hours once your attorney provides the necessary case details. However, the timeline may vary based on:
- Attorney responsiveness: Some cases take longer if attorneys are slow to respond.
- Case complexity: Simpler cases (e.g., car accidents) are approved faster than complex cases (e.g., medical malpractice).
Lawsuit Cash Advance Approval Times by Case Type
Fastest approvals: Car accident loans and slip and fall lawsuit loans
Slower approvals: Medical malpractice, wrongful death cases
Do I need good credit or a job to qualify for a cash advance on my lawsuit?
No. Unlike traditional loans, lawsuit cash advances are not based on credit or employment status.
Funding approval is based on:
- The strength of your case (evidence, liability, and damages)
- Estimated settlement value (higher settlements = higher funding amounts)
Example: John, a delivery driver injured in a slip-and-fall accident, had bad credit and no job. He was approved for $7,500 in pre-settlement funding within 24 hours.
What happens if I lose my case?
If you lose your case, you owe nothing—the funding company absorbs the full lawsuit cash advance as a loss, having taken on the financial risk.
Some people mistakenly believe lawsuit cash advances work like loans, but they are non-recourse funding, meaning:
- No obligation of repayment if you lose
- No collection agencies or debt payments
This makes lawsuit cash advances a safer alternative compared to traditional loans.
Can I get multiple lawsuit advances?
Yes, you can get more than one cash advance on a lawsuit, but your eligibility for additional funding depends on the following:
- Your case’s progress: If your case value increases, you may qualify for more funding.
- How much funding you already received: Most companies limit advances to 10-20% of your expected settlement.
👷♂️ Example: Juan, a construction worker injured in a scaffolding accident, initially received $10,000. Six months later, after his case value increased, he received an additional $15,000 in funding.
Need more funding? Ask before committing to the full amount upfront.
Do lawsuit cash advances have fees?
Yes, lawsuit cash advances have fees, which vary by provider and case length. Common charges include funding fees, interest rates, and compounding costs, which may increase over time. Because lawsuit funding is non-recourse, you only repay if you win or settle your case.
To avoid hidden costs, carefully review your funding agreement and choose a company with transparent pricing.
Are lawsuit cash advances more expensive than traditional loans?
Yes, lawsuit cash advances are generally more expensive than traditional loans because funding companies take on higher risk, as repayment is only required if you win or settle your case.
How to Compare and Choose the Best Lawsuit Cash Advance
Use this table to compare lawsuit cash advance options and identify key factors like funding speed, fees, repayment terms, and red flags to avoid.
Choosing the Best Lawsuit Cash Advance Company
| Factor | What to Look For | Red Flags to Avoid |
|---|---|---|
| Transparency | Clear, upfront pricing with a detailed breakdown of costs | Vague or hidden fees that are not disclosed until after approval |
| Repayment Terms | Non-recourse funding—only repaid if you win or settle | Monthly interest charges or repayment required regardless of case outcome |
| Application Process | Quick and straightforward application with no upfront fees | Lengthy or complicated process with hidden fees for applying |
| Funding Speed | Approvals typically within 24-48 hours | Delays in approval or disbursement that can take weeks |
| Lender Type | Direct funding company (no intermediaries) | Brokers or third-party lenders that add extra fees |
| Customer Support | Responsive and knowledgeable team that explains terms clearly | Limited or unclear communication, making it difficult to get answers |
| Industry Reputation | Positive client reviews and a strong track record | Negative reviews, complaints, or unresolved issues with past clients |
Before signing, ask:
- What is the total repayment amount?
- Are there monthly compounding fees?
- Is there a cap on repayment?
Pro Tip: Select a lawsuit funding company with clear, upfront pricing to avoid hidden fees and unexpected costs.
Will a lawsuit cash advance affect my credit score?
No. Obtaining a lawsuit cash advance does not impact your credit score because:
- No credit checks are required for approval.
- Repayment is based solely on your case’s outcome—if you lose, you owe nothing.
Since there is no monthly repayment obligation, a lawsuit cash advance will not appear on your credit report or affect your debt-to-income ratio.
What should I consider before accepting a lawsuit cash advance?
Before proceeding with an advance on your pending lawsuit, consider:
- The total repayment amount – How much will you owe if your case settles?
- The reputation of the company – Are they transparent and trustworthy legal funding company?
- The impact on your final settlement – Will funding take too much of your compensation?
⚖️ Always discuss your options with your attorney before accepting a pre-settlement cash advance on your case.
Are there alternatives to lawsuit cash advances?
Yes, alternatives to lawsuit cash advances include:
- Personal loans: If you qualify, these may have lower costs.
- Borrowing from family or friends: Interest-free, but can create personal strain.
- Negotiating payment plans for expenses: Some creditors allow flexibility.
Each lending option has its pros and cons, so it’s important to evaluate based on your financial needs.
📚 Read more in our guide: 15 Alternatives to Lawsuit Loans: Pros, Cons, & How to Apply
Conclusion: Get Lawsuit Cash Relief Today for Your Pending Lawsuit
Waiting for a lawsuit settlement can be stressful, but you don’t have to struggle financially in the meantime. A lawsuit cash advance can help cover your bills and keep you afloat while your lawyer fights for a fair settlement.
Get a Lawsuit Cash Advance: Funds in as Little as 24 Hours
Additional FAQs: Comprehensive Insights on Lawsuit Cash Advances
What is a lawsuit cash advance?
A lawsuit cash advance, also known as pre-settlement funding, is a financial arrangement where plaintiffs receive a portion of their expected settlement before their case concludes. Unlike traditional loans, this advance is non-recourse, meaning repayment is only required if you win or settle your case.
How does a lawsuit cash advance differ from a traditional loan?
Unlike traditional loans, lawsuit cash advances do not require credit checks or employment verification. Repayment is contingent upon the success of your case; if you lose, you owe nothing. This non-recourse nature distinguishes it from conventional loans, which require repayment regardless of the outcome.
Are there any fees associated with lawsuit cash advances?
Yes, while lawsuit cash advances provide immediate financial relief, they often come with more fees than traditional collateral-based financing, like a home mortgage. It’s crucial to review the terms carefully and understand any associated costs before proceeding.
How is the amount of the cash advance I get on my lawsuit determined?
The amount you can receive as a cash advance on your lawsuit is typically a percentage of your expected settlement. Funding companies assess factors such as the strength of your case, potential settlement value, and associated damages to determine the advance amount.
What types of cases are eligible for lawsuit cash advances?
Many types of civil cases qualify for a lawsuit cash advance, including personal injury claims, medical malpractice, premises liability, workers’ compensation, and more. Eligibility depends on your case’s specifics and the funding company’s policies.
Will a lawsuit cash advance hurt my credit score?
No, obtaining a lawsuit cash advance will not hurt your credit score. Since there are no credit checks involved and repayment is contingent upon your case’s outcome, your credit history remains unaffected.
How do I apply for a lawsuit cash advance?
To apply, you’ll need to contact a lawsuit funding company like Express Legal Funding. The application process requires you to provide details about your case and have your attorney’s cooperation. The funding company will review your case information, and if approved, you can receive funds typically within 24 hours.
Is there a limit to how much I can borrow through a lawsuit cash advance?
While the amount varies based on your case’s specifics, funding companies often limit advances to a certain percentage (generally, 10-20%) of your expected lawsuit settlement to ensure you retain a portion of the final amount.
What happens if my case takes longer than expected to settle?
If your case duration extends beyond initial expectations, the terms of your cash advance remain unchanged. Since there are no monthly payments, you won’t face additional financial strain during prolonged litigation. You can also consider applying for additional advance funding to tide you over until your case settles.
Can I seek multiple funding offers from different companies?
Yes, you’re free to explore offers from multiple funding companies. However, it’s crucial to inform each company about any existing advances to ensure transparency and compliance with the terms of your prior signed legal funding agreement.
What should I consider before I apply for a lawsuit cash advance?
Before you apply, consider the fees involved, the reputation of the funding company, and how the advance might impact your final settlement. It’s advisable to discuss this option with your lawyer to ensure it aligns with your best interests.
Are there alternatives to lawsuit cash advances?
Yes, alternatives to lawsuit cash advances include personal loans, borrowing from friends or family, or negotiating payment plans for expenses. Each option has its pros and cons, so it’s essential to evaluate them based on your financial situation.
How do I choose the right lawsuit funding company for me?
Look for lawsuit funding companies with transparent terms, competitive rates, positive client reviews, and a track record of ethical practices. It’s beneficial to consult with your lawyer for recommendations and to thoroughly research potential companies.
Will a lawsuit cash advance influence my attorney’s handling of my case?
No, obtaining a cash advance on your lawsuit should not affect your attorney’s strategy or decisions regarding your case. However, it’s essential to keep open communication with your attorney about any funding arrangements.
Can I negotiate the terms of a lawsuit cash advance?
In some cases, lawsuit funding companies may allow minor adjustments to the terms, but most adhere to standard pricing models due to institutional lending restrictions. If you’re concerned about pricing, compare offers from multiple companies before committing.
