Process
Minimum and Maximum Pre-Settlement Advance Amounts
• 2 min read
AARC funds amounts from $500 to $100,000+. Here's how to think about the right amount for your situation.
Minimum advance amounts are typically $500 to $1,000 — enough to make a meaningful difference without the administrative cost outweighing the benefit.
Maximum advance amounts depend on case strength and expected recovery. Cases with catastrophic injuries and strong liability can support $100,000+ advances.
The right amount is the minimum you need to cover the actual financial need. Borrowing less reduces total cost and preserves more of the eventual settlement.
If you're unsure how much to take, walk through your immediate needs (rent, medical, transportation, lost income) and ask for that amount. You can always come back for a second advance if circumstances change.
AARC's underwriters can help you size the right amount during the application conversation.
Call (800) 297-3834 or apply online to discuss your specific situation.
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.
