Eligibility
Getting Pre-Settlement Funding With Bad Credit
• 2 min read
Credit score doesn't factor into pre-settlement funding decisions. Here's why — and what does matter.
Pre-settlement funding companies don't pull credit reports because credit score has no bearing on whether your case will recover.
AARC's underwriting looks at liability, damages, insurance coverage, and attorney representation. Past financial behavior doesn't enter the calculation.
Bankruptcy, foreclosure, collections, late payments — none of those affect funding eligibility on a strong injury case.
This makes pre-settlement funding particularly valuable for claimants who would be locked out of traditional credit during their case.
Apply online or call (800) 297-3834 — credit history doesn't matter, only your case does.
Same-day decisions are routine when your attorney returns the case file promptly.
Frequently asked questions
- What do I need to apply?
- An active personal injury claim, an attorney representing you on contingency, and your attorney's contact information. That is it.
- Is a pre-settlement cash advance a loan?
- No. It is non-recourse funding tied to your personal injury claim. There are no monthly payments, and if your case does not recover, you owe nothing.
- Do I need good credit or a job to qualify?
- No. AARC does not run a credit check and does not require employment or income verification. Approval is based on the strength of your claim and your attorney's representation.
- How fast can I get funded?
- Most approved applicants receive funds in as little as 24 hours once AARC has the case documents from your attorney.
- How much does it cost?
- AARC uses a flat fee rather than compounding monthly interest. Typical advances are $500, $750, or $1,000, and the illustrative payoff at settlement is 2x the advance amount.
About the author
Written by the funding team at AARC — Accident Advance & Resource Center. AARC underwrites pre-settlement cash advances for personal injury claimants and works directly with plaintiff attorneys across 45 states. Our team reviews case documentation daily and writes from that firsthand experience.
This article is general information, not legal or financial advice. Always confirm details with your attorney. Contact AARC or call (800) 297-3834 with questions about your specific case.
