Eligibility
Pennsylvania Lawsuit Loans for Injury Claimants
• 2 min read
Philadelphia, Pittsburgh, and across Pennsylvania, injured claimants use pre-settlement funding to bridge the long wait for trial-friendly venues.
Philadelphia is widely considered one of the most plaintiff-friendly venues in the country, but that comes with longer wait times — many cases sit on the trial list for 24 to 36 months.
Pennsylvania uses modified comparative negligence with a 51% bar, and full tort vs limited tort election under the Motor Vehicle Financial Responsibility Law affects what damages you can recover. Both add complexity that lengthens negotiations.
AARC funds Pennsylvania personal injury cases statewide — Philadelphia, Pittsburgh, Allentown, Erie, Harrisburg — based on case strength, not credit.
Common Pennsylvania case types funded include auto accidents on the Schuylkill Expressway and PA Turnpike, SEPTA bus and rail injuries, premises liability, medical malpractice, and product liability claims.
Funding amounts scale with expected case value. Catastrophic injury and trucking cases support five- and six-figure advances; standard auto cases generally fund in the low five figures.
Apply online or call (800) 297-3834 for a same-day funding decision.
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.
