Process
What Makes a Lawsuit Loan Application Get Approved
• 2 min read
Funders approve based on case merits, not credit. Here's what underwriting actually looks for.
Liability: Is it clear who caused the accident? Strong liability documentation (police report assigning fault, witness statements, video evidence) significantly improves approval odds.
Damages: Are the injuries documented and consistent with the claim? Medical records, imaging, treatment notes, and lost wage documentation all matter.
Coverage: Is there insurance or assets to collect from? An at-fault driver with state minimum coverage and no umbrella has a low cap on recovery.
Attorney: Is the case represented by experienced PI counsel? Strong attorneys produce better recoveries, which makes the case more fundable.
Venue: Plaintiff-friendly venues generally support stronger recoveries. Defense-friendly venues require stronger underlying liability and damages to support funding.
If your case checks these boxes, approval is straightforward. Call (800) 297-3834 or apply online.
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.
