Process
Denied for a Lawsuit Loan: What to Do Next
• 2 min read
If one funder declines, that doesn't mean every funder will. Here's how to understand the denial and what to do next.
Funding denials usually come down to one of three things: documentation gaps in the case file, liability concerns, or coverage limits that don't support meaningful recovery.
Talk to your attorney about the specific reason. Often, providing additional documentation or waiting for a key milestone (e.g., a medical opinion) changes the answer.
Different funders have different appetites. A case declined by one funder may be approved by another, especially as the case develops.
AARC reviews cases declined by other funders regularly. Apply online or call (800) 297-3834 for a fresh look.
If the underlying case has genuine issues, an honest funder will tell you that — and that's information your attorney can use to strengthen the claim.
We aim to give straightforward answers, even when the answer is 'not yet'.
Frequently asked questions
- Does my attorney have to be involved?
- Yes. AARC works directly with your attorney's office to verify the case and coordinate repayment out of the eventual settlement.
- 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.
