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The ins and outs of an accident loan

Accident loans allow accident victims to borrow against their settlement during their cases. The loan amount is directly correlated with the estimated monetary value of those accident cases. With that said, the size of the loan weight heavily on the extent of the clients' personal injuries and medical treatment as well as the circumstances surrounding the accident.

As the borrower, you do not need to make any monthly payments toward the loan. That's because you only have to pay it back along with "interest" (usage fee) in the event you should win a cash settlement from the case. Therefore, if you lose the case, you can get to keep the pre-settlement cash and owe nothing at all.

Clients who have been injured in accidents often can't return to work because of a disability. Even if the can go back to work, the might be placed on light or restricted duty by their doctor. These risk-free loans can help injured clients supplement their limited income until can return to work on a full-time basis and at full-duty.

Let's not forget about clients faced with a financial emergency. Many use the pre-settlement cash to pay for funeral costs, for car repair expenses, for medical bills, for a surgical procedure, and for educational school expenses. The infusion of cash can be a financial lifesaver to help them get back on their feet until the win a payout.




Pre-settlement funding requirements: Am I eligible?

In this section, we have outlined the lending requirements to help you determine whether or not you are eligible for a loan.

The 5 basic requirements for getting pre-settlement funding through can be found below. Here they are:

  1. You live in the United States (*50 states).
  2. You are 18 years of age or older.
  3. You are in the midst of an injury case or a wrongful death lawsuit.
  4. You hired an attorney to represents you for the case.
  5. The settlement check goes to your attorney's office at the end of the case (rather than directly to you).

If you can answer "yes" to all 5 points listed above, then you meet the minimum set of requirements to apply for a loan. Assuming pre-settlement funding is available in your area, your all set to submit your request for a cash loan.

*Please take notice that we do not fund any types of cases in the following states: Arkansas, Colorado, Illinois, Kentucky, Nebraska, Nevada North Carolina, South Carolina, & West Virginia. This list is subject to change at any time and without any prior notice (due to state regulations, which are out of our control, of course).



Borrowing from a settlement: How it works

The process of getting pre-settlement funds with an accident loan is actually fast and easy for clients looking to borrow money from their pending settlement. 

First: Fill out application on this page. (no credit check or upfront fees)

Second: We contact your attorney for some case information.

Third: The underwriter will decide the amount you get to borrow.

Fourth: The money is sent to you or deposited into your account.

Fifth: Repayment comes out the settlement proceeds.



Begin by completing the application. Fill out the form online or call us. This should take you no more than a minute or 2 to finish.



Next up, we collaborate with your attorney. This just means that our underwriter contacts your law firm for some basic case information. As you can imagine, cooperation by your lawyer is not only essential but required in this regard.



Last, our underwriter determines the amount of funds you can receive. If you accept the offer and terms, paperwork is sent to you and your attorney for review and signatures. Once the forms are signed and returned, a check is mailed to your or deposited into your bank account.

Ready to get started? Then, go ahead, and hit the "Apply Now" button below.




Personal Injury vs Workers Compensation Settlement Loans

Act today and get pre-settlement funding for your personal injury case or workers compensation claim pending settlement through AccidentLoan.NET in as little as 24 hours. Depending on the origins of your injury, we may be able to fund your personal injury claim or workplace accident case providing injury loans are allowed in your geographical area.

Personal injury settlement loans: Understanding the basics

What is a personal injury claim? If you suffered physical or bodily injuries because of negligence by a third-party and you're seeking financial compensation from the responsible person(s) or business, then you have a claim for personal injury. This type of loan (or cash advance) is allocated for personal injury clients with pending claims and repaid from the proceeds of a settled cased.

Workers comp settlement loans

Take workers compensation cases for instance. Workers' compensation claims have to do with workplace accidents and injuries on the job. Employees who are hurt at work or injured while performing the duties of their employment could qualify for workers compensation benefits. Unlike personal injury cases, negligence does not factor into the equation. Likewise, claimants does need to prove fault in order to get a cash settlement from their cases. Whether you need a cash advance or loan, give us a call to learn your options.





Case eligible for funding

Don't see your case? If you got injury and expect a settlement, then call us today.


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1 business day: That's how fast we can have the funds in the hands of personal injury claimants with settlements.


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Frequently Asked Questions (FAQs)

Get Answers to Commonly Asked Questions


What is an Accident Loan?

An accident loan is a loan for a set amount of money, repaid over a set period of time that relies upon the facts surrounding the accident as collateral for the loan.

Do I need to have an attorney to get pre-settlement funding?

Yes. You can only obtain pre-settlement funding with your lawyer's cooperation. Therefore, you must have already hired an attorney to represent you in the injury case. Without an attorney, you are ineligible to get or apply for a pre-settlement lawsuit loan.

How long does it take to get an accident loan?

It can take 1-2 business days or less to get an accident loan in the best case scenario. The fastest you can get the accident loan is the same day you apply.

How much can I borrow?

With an accident loan, you borrow money from your future expected settlement of your accident case. Depending on the estimated value of your case, you could take out as a much 15% of the settlement and between $1,000 and $75,000.

What if I have bad credit?

No worries: We do not run your credit or check your score.

Do I have to make any monthly payments?

No. These loans are repaid at the end of the case rather than on a monthly basis.

Do you offer funding for Workers' Comp Cases in my area?

Workers comp settlement funding is NOT available to claimants residing in or with cases pending in: AK, AL, CA, CO, DC, DE, GA, IL, KY, MD, MI, MS, NB, NC, NJ, NV, NY, OH, PA, SC, TX, and VA.

How will I get the money?

We can send the money to you 1 of 3 ways: A check by mail (overnight delivery), Western Union, or direct deposited into your bank account. The choice is yours.

What if I already got a pre-settlement funding from another loan company?

If you are in search for a second or even a third loan, we might be able to buyout the current lien and provide you with additional funding for your case.

What happens if i don't win settlement from my case?

Nothing happens. If your case does not result in a financial settlement or if you don't win monetary compensation in connection with claim, then the pre-settlement cash advance is yours to keep.

Does your company help personal injury victims in my state?

Accident loans, pre-settlement funding, etc are NOT available to plaintiffs with cases in or residents of: AK, CO, KY, IL, MD, NB, NC, NV, SC, and WV.