Process
Documents Needed to Apply for a Pre-Settlement Loan
• 2 min read
Most claimants think funding requires reams of paperwork. The reality: your attorney provides most of it, not you.
From you: just the basics — name, contact info, accident date and state, attorney name and contact, and the amount you need. That's the entire application from the claimant's side.
From your attorney: the case file documents we need to underwrite — police report, medical records and bills to date, demand letter or filings, insurance policy info, and any settlement offers received.
You don't have to gather attorney documents yourself. We contact the office directly and request what we need.
What you don't need to provide: tax returns, pay stubs, bank statements, credit references, or proof of employment. None of that affects approval.
The application takes about three minutes. Most claimants have a funding decision within hours of the attorney returning the file.
Call (800) 297-3834 or apply online to start.
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.
