Process
Multiple Pre-Settlement Advances on the Same Case
• 2 min read
Many claimants take two or three advances over the life of a case. Here's how repeat funding works.
There's no rule against taking multiple pre-settlement advances on the same case. Each new advance is underwritten separately and adds to the total payoff at settlement.
Most claimants who take repeat advances start with a smaller amount, then come back later as new financial needs arise (medical bills, rent shortfall, ongoing lost income).
Each new advance must fit within the case's expected recovery. As cases develop, expected recovery can grow (additional medical documentation) or shrink (liability problems), affecting available amounts.
There's no penalty or extra fee for repeat funding. The same process applies — fast underwriting, same-day decisions in most cases.
AARC tracks your overall funding cap to make sure repeat advances don't outpace your case's ability to repay.
Call (800) 297-3834 or apply online for a repeat advance.
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.
