Eligibility
Pre-Settlement Funding for Unemployed Injury Claimants
• 2 min read
Without a job, you can't get a bank loan. Pre-settlement funding doesn't care.
Unemployment — voluntary or involuntary — locks claimants out of traditional credit at exactly the moment they need it most.
Pre-settlement funding doesn't require proof of employment, income, or any traditional credit factors. Approval depends on the case alone.
If your injury caused the unemployment, that lost income is itself a damage component of the underlying claim. Funding bridges the gap while the claim is litigated.
AARC funds qualifying cases regardless of employment status. Same-day decisions, non-recourse, no monthly payments.
Call (800) 297-3834 or apply online for a decision based on your case, not your employment.
We work directly with your attorney throughout the process.
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.
