Eligibility
Can I Get a Lawsuit Loan Without an Attorney?
• 2 min read
Almost all reputable funders require attorney representation. Here's why — and what to do if you don't have one yet.
Reputable pre-settlement funding companies require attorney representation on a contingency basis. The attorney is the source of case documents, the conduit for communication, and the disbursing party at settlement.
Companies that fund cases without attorney involvement are rare — and the rates and terms on those products are typically much worse than standard pre-settlement funding.
If you don't have an attorney yet, AARC can refer you to vetted personal injury attorneys in your state. The referral is free, and the attorneys work on contingency — no upfront cost to you.
Once you have representation, the standard funding process opens up: no credit check, no monthly payments, same-day decisions.
Most claimants benefit from getting an attorney first and then exploring funding — both for the case quality and for the funding options.
Call (800) 297-3834 to ask about attorney referrals in your state.
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.
