Eligibility
Illinois Lawsuit Loans for Personal Injury Claimants
• 2 min read
Cook County remains one of the busiest plaintiff venues in the country. Pre-settlement funding lets Illinois claimants wait without folding.
Cook County's Law Division handles tens of thousands of injury cases annually, and the wait from filing to trial routinely exceeds two years. Pre-settlement funding lets Illinois claimants stay financially stable during the wait.
Illinois uses modified comparative negligence with a 51% bar, and the state's two-year statute of limitations on personal injury claims keeps attorneys moving quickly to file.
AARC funds Illinois injury cases — auto, trucking, premises liability, medical malpractice, construction — with no credit check and same-day decisions in most cases.
Common case types funded include I-90 and I-55 trucking crashes, CTA bus and L-train injuries, Chicago premises liability, and Illinois Pesticide Act / dram shop claims.
Construction injury cases brought under the Illinois Workers' Compensation Act often have parallel third-party claims that support pre-settlement funding while the case is litigated.
Apply online or call (800) 297-3834 for a same-day decision on your Illinois case.
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.
