Eligibility
Texas Pre-Settlement Funding for Personal Injury Cases
• 2 min read
Texas claimants use lawsuit loans to bridge the long gap between filing and settlement, especially in venues like Harris and Dallas counties where dockets are crowded.
Texas personal injury cases routinely take 18 to 30 months from filing to resolution, especially in busy venues like Harris, Dallas, Bexar, and Tarrant counties. During that wait, medical bills, rent, and lost income don't pause.
Pre-settlement funding lets injured Texans bridge the gap without taking on traditional debt. Approval is based on case merits — not your credit score, employment, or income — and repayment only happens if the case recovers.
Texas's modified comparative negligence rule (the 51% bar) means strong liability documentation matters more than ever. AARC funds Texas claims when there's a clear path to recovery, an attorney representing you on contingency, and insurance or assets to collect from.
Common Texas case types we fund include 18-wheeler crashes on I-10 and I-35, oil-field injuries, drunk-driver collisions, construction accidents, and dog bites covered by homeowner's insurance.
Funding amounts on Texas cases scale with expected case value. Trucking and catastrophic-injury cases routinely 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 on your Texas personal injury claim.
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.
