Process
Can I Get More Than One Cash Advance on the Same Case?
• 2 min read
Yes. Many claimants take multiple advances over the life of a case as new financial needs come up.
Each new advance is underwritten separately and adds to the total payoff at settlement. Most clients take two or three advances over the course of a typical case.
Starting with a smaller advance keeps your total cost lower. Only borrow what you need now — you can always come back if circumstances change.
There's no penalty or extra fee for returning for additional funding. The same simple process applies.
Why claimants take multiple advances
A case that takes 18 months to resolve goes through several financial 'seasons' for the claimant. Initial medical bills, lost income, rent through the holidays, an unexpected car repair, a final-stretch cash crunch as trial approaches — each of these can trigger a separate advance.
Most clients who take advances take more than one.
The math of starting small
Pre-settlement advance costs scale with how long the money is outstanding. A smaller first advance taken early plus a smaller second advance taken later costs less in total than one large advance held for the entire case.
Borrow only what you actually need each time. Coming back is easy.
How additional advances get underwritten
Each new advance is reviewed against the current state of the case and the total funding outstanding. If the case has developed favorably, additional capacity is usually available.
If circumstances in the case have weakened — for example, an unfavorable medical update — additional funding may be smaller or declined.
No penalty for returning
There is no fee or rate increase for taking additional advances. The same simple process applies.
Many of our long-running client relationships involve three or more advances on a single case.
Talk to AARC before you make a financial move you'll regret
Every situation is different, and the right answer depends on the specifics of your case, your timeline, and what you need the money for. The single best thing you can do is have a short, no-pressure conversation with someone who funds these cases every day.
Call AARC at (800) 297-3834 or apply online in about three minutes. There is no credit check, no obligation, and no cost to find out what you qualify for. If a cash advance isn't the right tool for your situation, we'll tell you that too.
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.
