Get Cash in 24 Hours While Your Case Settles
Getting a lawsuit loan from 123 Lawsuit Loans is simple and fast. Our process takes the stress out of waiting for your settlement. You can get the money you need today without monthly payments or credit checks. Here’s exactly how it works from start to finish.
Ready to get started? Apply online now.
The Complete Lawsuit Loan Process
Step 1: Submit Your Application (5-10 Minutes)
Apply online or by phone in minutes. Our application is simple and straightforward. You don’t need perfect credit or employment verification. We just need basic information about you and your case.
What we need from you:
- Your name, address, and phone number
- Details about your accident or injury
- Your attorney’s name and contact information
- Estimated value of your potential settlement
- How much money you need right now
How to apply:
- Online application: Fill out our secure form on our website
- Phone application: Call (888) 123-LOANS and speak with a specialist
- Through your attorney: Many lawyers help clients apply directly
Application requirements:
- You must have a pending personal injury lawsuit
- You must be represented by an attorney
- Your case must have potential settlement value
- You must be at least 18 years old
The application is completely free. You have no obligation to accept funding if approved. Most people complete our application in under 10 minutes. We protect all your personal information with bank-level security.
What happens next: Once you submit your application, we contact your attorney within hours. Our team works fast because we know you need money quickly.
Step 2: Quick Case Review and Approval (Same Day)
We work directly with your attorney to review your case. Our funding experts have years of experience evaluating personal injury claims. We look at the strength of your case and potential settlement value to determine how much we can advance you.
Case evaluation factors:
- Liability strength (how clear the other party’s fault is)
- Injury severity and medical documentation
- Insurance coverage available
- Potential settlement range
- Timeline to resolution
Attorney cooperation process:
- We contact your lawyer within 2-4 hours of your application
- Your attorney provides case documents and details
- We review medical records, police reports, and case strategy
- Your lawyer confirms case facts and settlement potential
- Most attorneys are familiar with our process and happy to cooperate
Approval timeline:
- Strong cases often get approved within hours
- Most applications receive decisions within 24 hours
- Complex cases may take 2-3 business days
- We notify you immediately when approved
How much can you get: We typically advance 10-15% of your case’s estimated settlement value. For very strong cases, we might approve higher amounts. Our advances range from $1,000 to $100,000+ depending on your specific situation.
No approval fees: We charge nothing for reviewing your case. If we can’t approve your application, you owe us nothing. There are no hidden costs or surprise fees in our process.
Step 3: Get Your Cash (Within 24 Hours)
Money deposited directly into your bank account. Once approved, we move fast to get you the money you need. Most clients receive their funds within 24 business hours of approval.
Funding delivery options:
- Wire transfer: Money in your account the same day (most common)
- Overnight check: Next-day delivery to your address
- Direct deposit: Electronic transfer within 1-2 business days
What you need to receive funds:
- Valid bank account in your name
- Government-issued photo ID
- Signed funding agreement
- Your attorney’s cooperation
No restrictions on spending: Once the money is in your account, you can use it for anything you need. Most clients use lawsuit funding for:
- Rent or mortgage payments
- Car payments and transportation
- Groceries and daily living expenses
- Medical bills and treatment costs
- Utility bills and basic necessities
Zero monthly payments: You never make monthly payments to us. The money is yours to use while your case progresses through the legal system. You only pay us back when your case settles successfully.
What Makes Our Process Different
No Credit Checks Required
Traditional lenders check your credit score, employment history, and income level. We don’t care about any of that. Your credit score could be 500 or 800 – it doesn’t matter to us. We only care about the strength of your legal case.
Why we don’t check credit:
- Lawsuit funding is based on your case, not your finances
- Bad credit doesn’t predict case outcomes
- Many injury victims have financial struggles
- We take the risk, not you
No Monthly Payments Ever
Regular loans require monthly payments starting immediately. Lawsuit loans work completely differently. You make zero payments until your case settles. If your case takes two years, you still make no monthly payments.
Payment timeline:
- During your case: $0 monthly payments
- If you lose: $0 total payment required
- When you win: Payment comes from settlement only
Work Directly With Attorneys
We have relationships with thousands of attorneys nationwide. Most lawyers are familiar with our company and process. This makes approval faster and easier for everyone involved.
Attorney benefits:
- Clients can afford to wait for better settlements
- Reduces pressure to settle quickly for less money
- No interference with legal strategy
- Professional, cooperative process
Case Types We Fund
Personal Injury Cases
Motor vehicle accidents are our most common funding type. Car crashes, truck accidents, motorcycle collisions, and pedestrian accidents all qualify. We also fund rideshare accidents, bus crashes, and hit-and-run cases.
Slip and fall cases from dangerous property conditions get approved regularly. Wet floors, broken stairs, poor lighting, and unsafe walkways cause serious injuries. We fund grocery store falls, restaurant accidents, and workplace slips.
Medical malpractice cases involving doctor errors, hospital negligence, and surgical mistakes qualify for funding. Birth injury cases, medication errors, and misdiagnosis claims also get approved for advances.
Work-Related Injuries
Workers compensation cases qualify for funding in most states. Construction accidents, repetitive stress injuries, and workplace chemical exposure cases get approved. Third-party liability cases at work sites often qualify for higher funding amounts.
Wrongful Death Cases
Fatal accident cases involving family members qualify for lawsuit funding. Car crash deaths, medical malpractice deaths, and workplace fatalities all get funding approval. These cases often have higher settlement values and funding amounts.
Product Liability Claims
Defective product cases that cause injuries or illness qualify for funding. Dangerous drugs, faulty medical devices, and unsafe consumer products all get approved. Automotive defects and industrial equipment failures also qualify.
Required Documentation
From You (The Plaintiff)
Personal identification: Valid driver’s license or state ID card. We need to verify your identity and age for legal compliance.
Bank account information: Account and routing numbers for direct deposit. The account must be in your name for legal and security reasons.
Contact information: Current address, phone number, and email address. We need reliable ways to reach you throughout the process.
From Your Attorney
Case summary: Overview of the accident, injuries, and legal claims being pursued. This helps us evaluate case strength quickly.
Medical records: Documentation of your injuries and treatment. Hospital records, doctor reports, and treatment plans show injury severity.
Liability evidence: Police reports, witness statements, and accident reconstruction if available. This shows how strong your case is against the defendant.
Insurance information: Details about the defendant’s insurance coverage. Higher coverage limits mean larger potential settlements.
Case timeline: Expected timeline for settlement or trial. This helps us assess how long funding might be needed.
Approval Rates and Timeline
High Approval Rates
85% of complete applications get approved when we receive full cooperation from attorneys. Most denials happen because cases are too early in development or lack sufficient insurance coverage.
Factors that increase approval chances:
- Clear liability (other party clearly at fault)
- Documented injuries with medical treatment
- Adequate insurance coverage
- Experienced attorney representation
- Complete case documentation
Fast Processing Times
Same-day approvals happen for straightforward cases with responsive attorneys. Strong car accident cases with clear fault often get approved within hours.
24-hour standard applies to most applications. We review cases as soon as we receive complete information from your attorney.
2-3 day timeline for complex cases requiring additional review. Medical malpractice and product liability cases sometimes need extra evaluation time.
Rates and Repayment Terms
Transparent Rate Structure
Rates start at 2.9% monthly for the strongest cases. Most clients pay between 3.5% and 4.9% per month. Your specific rate depends on case type, strength, and expected timeline.
No compound interest: Our fees are simple and straightforward. We don’t compound interest or add penalty fees.
36-month fee cap: After three years, fees stop growing no matter how long your case takes. This protects you from unlimited fee growth.
Simple Repayment Process
Attorney handles repayment: Your lawyer sends our portion directly from the settlement check. You don’t handle the repayment process yourself.
No out-of-pocket payments: You never pay us from your personal funds. Everything comes from your settlement proceeds.
Clear settlement statement: Your attorney provides a detailed breakdown showing exactly what you receive after all deductions.
What Happens After You Get Funded
Using Your Money
No spending restrictions: The money is yours to use however you need. We don’t monitor your spending or require receipts.
Common uses for lawsuit funding:
- Housing costs (rent, mortgage, utilities)
- Transportation (car payments, insurance, gas)
- Food and basic living expenses
- Medical bills and ongoing treatment
- Debt payments to reduce financial stress
Staying in Touch
Regular case updates: We stay in contact with your attorney about case progress. You don’t need to provide updates yourself.
Additional funding available: If your case value increases or you need more money, we can provide additional advances.
No pressure to settle: We never pressure you or your attorney to settle quickly. We want you to get the best possible outcome.
Settlement Process
Attorney notification: Your lawyer contacts us when your case settles or you receive a judgment.
Final payoff calculation: We calculate the exact amount owed based on the funding date and settlement date.
Settlement distribution: Your attorney sends our portion from the settlement proceeds and distributes your remaining money.
Frequently Asked Questions
Will this hurt my case?
No, lawsuit funding will not hurt your case. The insurance company won’t know you received funding unless your attorney tells them. Many attorneys prefer clients who have funding because it removes pressure to settle too quickly.
What if my case takes longer than expected?
No problem. You still make no monthly payments. Our 36-month fee cap protects you from unlimited growth. Some cases take years – we understand and plan for this.
Can I get more money later?
Yes, additional funding is available. If your case value increases or you need more money, we can provide extra advances. Many clients receive multiple funding installments.
What if I already have some funding from another company?
We can still help. We provide additional funding on top of existing advances from other companies. Our company works around existing funding arrangements.
Ready to Get Started?
Apply Online Now
Complete our secure application in just 5-10 minutes. Provide basic information about yourself and your case. We’ll contact your attorney within hours to begin the review process.
[Apply Online Button]
Call and Speak With a Specialist
Talk to a real person who can answer your specific questions. Our funding specialists are available Monday through Friday, 8 AM to 6 PM Eastern Time.
Call (888) 123-LOANS
Questions About Your Case?
Not sure if your case qualifies? Call us and describe your situation. We can give you a quick assessment over the phone. There’s no obligation to apply.
What Happens Next
- Submit your application online or by phone
- We contact your attorney within 2-4 hours
- Case review completed within 24 hours
- Money in your account within 24 hours of approval
Get the money you need today. Your lawsuit settlement might be months or years away, but your bills won’t wait. Let us help you get through this difficult time with the financial relief you deserve.
Ready to take the next step? Call (888) 123-LOANS or apply online now. Our team is standing by to help you get the cash you need while your case settles.
123 Lawsuit Loans provides non-recourse pre-settlement funding to personal injury plaintiffs. Funding is subject to case review and approval. You only pay back if your case settles successfully. Rates and terms vary by case type and circumstances.
