Personal Injury Loans: Get Fast Cash in 24 Hours
Getting hurt in an accident can change your life in an instant. Personal injury loans from ECO Pre-settlement Funding give you the cash you need right now. Medical bills start piling up. You can’t work. Money gets tight fast. Your lawyer says your case looks good, but it could take months or even years to settle. What do you do in the meantime? We provide money based on your pending lawsuit. You get immediate relief from financial stress while you wait for your settlement. No credit checks. No monthly payments. If you don’t win your case, you don’t pay us back.
Quick Approval
100% Risk Free
No Credit Check
Lowest Rate
What Are Personal Injury Loans?
Personal injury loans are cash advances against your expected settlement. They’re not traditional loans at all. Banks require monthly payments and good credit. We don’t. Instead, we give you money now and get paid back only when your case settles.
Think of it like this. You have a $50,000 settlement coming, but it won’t arrive for 18 months. We can give you $5,000 or $10,000 today. When your settlement comes through, we take our portion directly from that money. You get the rest. Simple as that.
Different Names, Same Service
Most people call them personal injury loans, but the legal term is pre-settlement funding. Other names include lawsuit cash advances, legal funding, and litigation financing. They all mean the same thing. You get money now based on a lawsuit you expect to win later.
Risk-Free Funding
The key difference from regular loans is risk. With a bank loan, you have to pay back the money no matter what happens. With personal injury loans, the funding company takes all the risk. If you lose your case and get nothing, you owe nothing back.
How Much You Need?
Our Personal Injury Lawsuit Loans Success by the Numbers
98,000
Personal Injury Cases Funded
970 M+
Personal Injury Loans Offered
98%
Client Satisfaction & Cases Funded
24 Hrs
Average Approval Time After Review
Contact Us Now
Call ECO Pre-Settlement Funding at 1-800-961-8924 or complete our online application now. Our experienced team is standing by to help you get the cash you need while you wait for the justice you deserve.
Stop worrying about money and start focusing on getting your life back on track. We provide the funds to help make that possible. The sooner you contact us, the faster we can provide the cash flow you need. Don’t wait any longer – your settlement could still be months or years away. Get the money now with ECO Pre-Settlement Funding.
Need Cash Now? Don’t Wait for Your Settlement!
Get the money you need today to cover medical bills, living expenses, and more while your case is pending.
How Pre-Settlement Funding Works
The process is straightforward. You apply with basic information about your case. We review your lawsuit with your lawyer. If we think you have a strong chance of winning, we approve you for funding. The whole process usually takes 24 hours or less. Check How It Works!
Step-by-Step Application Process
Here’s exactly what happens. First, you fill out our application. This takes about 15 minutes. You provide your contact information, details about your accident, and your lawyer’s information. We don’t ask about your credit score, income, or employment status. Your case is all that matters.
Next, we contact your attorney. They send us documents about your lawsuit. We want to see police reports, medical records, and their opinion on how much your case might be worth. We also look at who caused your accident and whether they have insurance to pay a settlement.
Quick Review and Approval
Our team reviews everything and makes a decision. We look for cases with clear liability. That means it’s obvious someone else caused your injuries. We also want to see significant damages. Minor fender benders with small medical bills don’t qualify for much funding.
If we approve your application, we make you an offer. This includes the amount we’ll advance and our fee structure. Everything is explained clearly upfront. No hidden costs or surprise fees later. You and your lawyer review the terms together.
Once you accept our offer, we prepare the paperwork. Your attorney reviews the agreement and signs it with you. We then wire the money directly to your bank account. Most clients receive their funds within 24 hours of signing the agreement.
Benefits of Lawsuit Cash Advances
Personal injury loans solve immediate money problems. When you’re hurt and can’t work, bills don’t stop coming. Rent is due. Car payments continue. Medical bills arrive weekly. Credit cards max out fast. Funding gives you breathing room.
Peace of Mind During Recovery
The biggest benefit is peace of mind. Money stress makes recovery harder. When you’re worried about losing your house or car, you can’t focus on getting better. Cash advances remove that pressure. You can concentrate on healing and let your lawyer handle the legal work.
Stronger Negotiating Position
These loans also strengthen your lawsuit. Insurance companies know when people are desperate for money. They make lowball offers hoping you’ll take anything to pay bills. When you have funding, you don’t have to accept the first offer. Your lawyer can negotiate for full value.
Better Medical Care
Medical care improves too. Many doctors require payment upfront or limit treatment when patients can’t pay. With cash in hand, you can get the medical care you need. Better treatment often means faster recovery and higher settlements.
Complete Flexibility
Funding is flexible. There are no restrictions on how you spend the money. Pay rent, buy groceries, cover car payments, or handle any other expenses. Some clients use the money for additional medical treatment not covered by insurance.
Simple Application Process
The application process is fast and private. No credit checks mean bad credit won’t disqualify you. No income verification means being out of work doesn’t matter. And no collateral requirements mean you don’t risk your house or car. Your case strength is the only thing that counts.
Who Can Get Pre-Settlement Funding?
Most people with serious injury lawsuits can qualify for funding. You need three basic things. First, you must have a strong case with clear liability. Someone else caused your injuries through negligence or wrongful conduct. Second, you need significant damages. This means substantial medical bills, lost wages, and pain and suffering. Third, you must have a lawyer representing you on a contingency basis.
What Makes a Strong Case
Strong liability means fault is obvious. Car accidents where the other driver was drunk or texting qualify. Slip and fall cases where property owners ignored dangerous conditions work well. Medical malpractice cases with clear doctor errors are good candidates. The stronger the liability, the more funding you can receive.
Significant damages are important because funding amounts depend on settlement value. A case with $10,000 in medical bills might qualify for $1,000 to $2,000 in funding. A case with $100,000 in damages could qualify for $10,000 to $20,000 or more.
Attorney Requirement
Having an experienced attorney is required. Lawyers know how to build strong cases and negotiate fair settlements. They also understand pre-settlement funding and can work with us to process your application quickly.
Your Credit Doesn’t Matter
Your personal financial situation doesn’t affect approval. Bad credit is fine. Unemployment doesn’t matter. Previous bankruptcies won’t disqualify you. We only care about your lawsuit’s strength and value.
Case Types We Fund
ECO Pre-Settlement Funding provides cash advances for almost every type of accident case. Each case type has different funding potential based on typical settlement values and case complexity. Here’s what we commonly fund and what you can expect.
Motor Vehicle Accidents
Motor vehicle accidents are our most common funding type. Car accidents, truck crashes, motorcycle collisions, and pedestrian accidents all qualify. These cases often have clear liability through police reports and witness statements. Insurance coverage is usually available through auto policies. Funding amounts range from $1,000 for minor accidents to $100,000 or more for serious crashes with permanent injuries.
Property Accidents
Slip and fall cases on commercial property work well for funding. Grocery stores, shopping centers, restaurants, and hotels have business insurance to cover accidents. Cases need clear evidence of dangerous conditions like wet floors, broken stairs, or inadequate lighting. Funding typically ranges from $2,000 to $25,000 depending on injury severity and medical costs.
Medical Errors
Medical malpractice cases qualify for larger funding amounts because settlements are often substantial. Surgical errors, misdiagnosis, birth injuries, and medication mistakes create significant damages. These cases take longer to resolve but can qualify for $10,000 to $200,000 in funding. Strong medical expert opinions are essential for approval.
Construction Accidents
Construction accidents involving serious injuries get approved quickly. Scaffold collapses, crane accidents, falls from height, and equipment malfunctions cause severe injuries. Construction companies and equipment manufacturers carry large insurance policies. Funding amounts often range from $5,000 to $75,000.
Defective Products
Product liability cases against major manufacturers qualify for substantial funding. Defective medical devices, dangerous drugs, faulty auto parts, and dangerous household products create large settlements. These cases can take years to resolve but may qualify for $15,000 to $150,000 in funding.
Workplace Injuries
Workplace injuries beyond workers’ compensation sometimes qualify for funding. Third-party liability claims against equipment manufacturers, contractors, or property owners can be funded. These cases are complex but often result in significant settlements.
Animal Attacks
Dog bite cases with serious injuries qualify for funding. Attacks causing permanent scarring, disfigurement, or psychological trauma result in substantial settlements. Homeowner’s insurance typically covers these claims. Funding usually ranges from $1,000 to $15,000.
Wrongful Death
Wrongful death cases for surviving family members qualify for the largest funding amounts. Loss of income, funeral expenses, and pain and suffering create substantial damages. These emotionally difficult cases often settle for hundreds of thousands of dollars. Funding can range from $10,000 to $300,000 or more.
Violence Cases
Assault and battery cases with identifiable defendants who have assets or insurance can be funded. Bar fights, security guard violence, and police brutality cases sometimes qualify if there’s insurance coverage available.
Average Funding Amounts by Injury Type
Funding amounts depend on injury severity, medical costs, lost wages, and expected settlement values. Here’s what clients typically receive based on their injury type and case circumstances.
Minor Soft Tissue Injury
Injuries like whiplash, sprains, and minor cuts usually qualify for $500 to $5,000 in funding. These cases settle quickly, often within 6-12 months. Medical bills are typically under $15,000. Most clients need small amounts to cover immediate expenses while they recover.
Moderate Injury
Injuries requiring surgery or extended treatment qualify for $2,000 to $25,000 in funding. Broken bones, herniated discs, torn ligaments, and concussions fall into this category. Medical bills range from $15,000 to $75,000. Cases often take 12-18 months to settle.
Serious Injury
Injuries with permanent effects qualify for $10,000 to $100,000 in funding. Spinal cord injuries, traumatic brain injuries, amputations, and severe burns create life-changing damages. Medical costs often exceed $100,000. These cases can take 2-4 years to resolve.
Catastrophic Injury
Injuries resulting in permanent disability qualify for the largest funding amounts. Paralysis, severe brain damage, multiple amputations, and vegetative states create settlements in the millions. Funding can reach $200,000 to $500,000 or more. These complex cases often take 3-5 years to settle.
Wrongful Death
Wrongful death cases vary widely based on the deceased person’s age, income, and family situation. Young professionals with children create the highest settlements. Elderly retirees with no dependents result in smaller awards. Funding typically ranges from $15,000 to $300,000.
Medical Malpractice
Medical malpractice settlements depend on the type of error and resulting harm. Misdiagnosis leading to delayed treatment might settle for $50,000 to $200,000. Surgical errors causing permanent disability can reach millions. Funding usually ranges from $5,000 to $150,000.
Remember these are general ranges. Your specific funding amount depends on your case’s unique facts, your lawyer’s assessment, and the defendant’s insurance coverage. We’ve provided as little as $500 for emergency expenses and as much as $3 million for catastrophic injury cases.
Case Timeline Factors
Case timelines vary dramatically based on injury type, liability complexity, and settlement negotiations. Learning typical timelines helps you plan your funding needs and expectations.
Quick Settlement Cases
Simple car accidents with clear liability and minor injuries often settle within 6-12 months. Police reports show fault clearly. Insurance companies accept liability quickly. Medical treatment ends within a few months. These cases need smaller funding amounts for shorter periods.
Complex Accident Cases
Complex vehicle accidents involving multiple cars, disputed liability, or serious injuries can take 18-36 months. Accident reconstruction experts may be needed. Multiple insurance companies complicate negotiations. Extensive medical treatment delays settlements. These cases benefit from larger initial funding with possible additional advances later.
Property Cases
Slip and fall cases typically take 12-24 months to resolve. Property owners often dispute liability. Proving dangerous conditions requires investigation and expert testimony. Medical treatment for fall injuries can be extensive. Funding needs are moderate and predictable.
Medical Error Cases
Medical malpractice cases are among the slowest to resolve, often taking 3-5 years. Further, medical expert reviews take months. Discovery processes are lengthy. Hospitals and doctors fight hard against malpractice claims. These cases qualify for larger funding amounts over longer periods.
Product Cases
Product liability cases against major manufacturers can take 4-6 years or more. Federal agencies may investigate defective products. Class action lawsuits complicate individual settlements. Extensive testing and expert analysis is required. Maximum funding amounts are often needed.
Construction Cases
Construction accidents typically resolve within 18-30 months. OSHA investigations may delay proceedings. Multiple defendants including contractors, property owners, and equipment manufacturers complicate cases. Worker’s compensation liens must be resolved. Steady funding throughout the process is usually needed.
Factors That Affect Speed
Several factors can speed up or slow down your case timeline. Clear liability with overwhelming evidence speeds settlements. Disputed fault with conflicting witness statements slows everything down. Cooperative insurance companies settle faster than those that fight every claim. Experienced attorneys familiar with similar cases work more efficiently.
Your medical treatment timeline affects case speed. Cases can’t settle until you reach maximum medical improvement. Ongoing surgeries and rehabilitation extend timelines. Some injuries require months or years to fully understand long-term effects.
Court backlogs in your area impact timeline. Some courts schedule trials 2-3 years out. Others have faster dockets. Your lawyer knows local court schedules and can estimate timelines more accurately.
Real Client Success Stories
Real clients have used funding to survive financial hardship while fighting for fair compensation. Here are actual examples of how cash advances made the difference between accepting lowball offers and receiving full justice. Due to client privacy we have not used the full name and changed names, but the scenarios are true.
Maria’s Car Accident
Maria was rear-ended by a drunk driver while stopped at a red light. She suffered two herniated discs requiring surgery and couldn’t work for eight months. The insurance company offered $15,000 to settle quickly, knowing Maria was struggling financially as a single mother.
Maria applied for funding and received $8,000 to cover rent, car payments, and childcare while she recovered. With financial pressure removed, her lawyer negotiated for 18 months. The final settlement was $125,000. After paying medical bills, legal fees, and our funding costs, Maria received $89,000. Without funding, she would have accepted $15,000 out of desperation.
Robert’s Construction Accident
Robert fell from scaffolding when safety equipment failed. He suffered multiple fractures and a traumatic brain injury. Medical bills exceeded $200,000 within the first month. His employer’s workers’ compensation only covered basic expenses, and the equipment manufacturer denied liability.
ECO provided $45,000 in initial funding with additional advances totaling $75,000 over three years. Robert’s family maintained their home and lifestyle while he recovered. The case eventually settled against the scaffold manufacturer for $2.8 million. Robert received over $2 million after all expenses. The funding allowed him to pursue maximum compensation instead of settling early for hundreds of thousands less.
Jennifer’s Medical Malpractice
Jennifer’s surgeon removed the wrong organ during what should have been routine surgery. She required multiple corrective operations and suffered permanent complications. The hospital initially denied any wrongdoing and offered nothing to settle.
Jennifer couldn’t work and faced mounting medical bills from corrective surgeries. She received $35,000 in funding over two years while the case developed. Medical experts confirmed malpractice, and the hospital eventually offered $850,000 to settle. After expenses, Jennifer received $625,000. Without funding, she might have been forced to drop the case due to financial pressure.
David’s Truck Accident
David was crushed between two trucks in a loading dock accident. He suffered spinal injuries requiring multiple surgeries and permanent disability. The trucking company claimed David was at fault for the accident.
David received $25,000 in funding while his lawyer investigated and built the case. Surveillance video eventually proved the truck driver was texting and not watching where he was going. The case settled for $1.4 million. David received over $1 million after expenses. The funding allowed him to survive financially while proving his case.
Susan’s Slip and Fall
Susan slipped on a wet floor in a grocery store, breaking her hip and requiring replacement surgery. The store claimed they had just mopped the area and posted warning signs, though Susan saw no signs.
Susan received $4,500 in funding to cover expenses during six months of recovery and physical therapy. Her lawyer obtained surveillance video showing no warning signs were posted and the floor had been wet for over an hour. The case settled for $95,000. Susan received $71,000 after expenses. The funding allowed her to reject an early $12,000 offer.
Michael’s Wrongful Death
Michael’s wife was killed by a drunk driver leaving behind three young children. The drunk driver had minimal insurance, but the bar that overserved him had substantial liability coverage.
Michael received $50,000 in funding to maintain his household and care for his children while pursuing the difficult case against the bar. It took four years to prove the bar’s liability for overserving an obviously intoxicated customer. The final settlement was $3.2 million. Michael received $2.8 million to secure his family’s future. Without funding, he might have been forced to accept the drunk driver’s small insurance policy.
The Pattern of Success
These cases show how funding levels the playing field. Insurance companies and big corporations count on financial pressure forcing quick, cheap settlements. When accident victims have funding, they can fight for full compensation and achieve justice.
Every case is different, but the pattern is clear. Clients who use funding consistently receive larger settlements than those who settle quickly due to financial pressure. The funding pays for itself by enabling larger recoveries.
How Much Can You Borrow with Personal Injury Loans?
Funding amounts vary widely based on your case value. Most clients receive between $1,000 and $50,000, but we’ve provided much more for exceptional cases. The amount depends on several factors that we evaluate during the application process.
Your case’s total value is the main factor. If your lawyer expects a $100,000 settlement, you might qualify for $10,000 to $15,000 in funding. For a $500,000 case, you could receive $50,000 or more. We typically advance 10% to 20% of the expected settlement value, though this can vary.
The strength of your case matters too. Cases with clear liability and strong evidence qualify for higher percentages. If there’s any question about who caused the accident or whether you’ll win, we might offer less money or require additional documentation.
Time until settlement affects funding amounts. Cases expected to settle quickly might qualify for smaller advances since you won’t need money for long. Cases that could take years might qualify for larger amounts since you’ll need more support.
The defendant’s insurance coverage is crucial. Even a strong case won’t qualify for much funding if the person who hurt you has no insurance or limited coverage. We need to know there’s enough money available to pay both your settlement and our repayment.
Multiple funding rounds are possible. If your case takes longer than expected, you can apply for additional funding. Many clients start with a smaller amount and request more money later as their case develops.
We’ve provided funding ranging from a few thousand dollars up to $3 million in some instances. Large cases involving catastrophic injuries, wrongful death, or major commercial liability can qualify for substantial funding amounts.
Lawsuit Loans vs Bank Loans
These cash advances work completely differently than bank loans. Banks require monthly payments starting immediately. We require no payments until your case settles. Banks check your credit score and income. We don’t care about either. Banks want collateral like your house or car. We only need your lawsuit as security.
Payment Differences
Traditional loans have fixed repayment schedules. Miss a payment and you face penalties, damaged credit, and possible foreclosure. Lawsuit funding has no monthly payments at all. You only pay us back if and when you win your case.
Credit Requirements
Credit requirements are opposite. Banks want perfect credit scores and steady income. Cash advances are available to people with terrible credit, no income, and even recent bankruptcies. Your lawsuit’s strength is the only qualification that matters.
Approval Speed
Approval speed varies dramatically. Bank loans can take weeks or months with extensive paperwork and verification. Legal funding can be approved and funded within 24 hours with minimal documentation.
Risk Differences
The biggest difference is risk. With bank loans, you’re personally responsible for repayment regardless of what happens in your life. With legal funding, the company takes all the risk. If you lose your lawsuit, you walk away owing nothing.
Fast Application Process
Getting funding is fast and simple. The entire process from application to funding usually takes 24 hours. Here’s exactly what happens step by step.
Starting Your Application
Start by filling out our online application or calling our office. The application takes about 15 minutes and asks basic questions about your accident, injuries, and case status. We need your contact information, your lawyer’s details, and a brief description of what happened.
We don’t ask about your credit score, income, employment, or assets. These things don’t matter for approval. We also don’t require tax returns, bank statements, or other financial documents that banks demand.
Review Process
Once we receive your application, we contact your attorney immediately. Your lawyer sends us relevant case documents including police reports, medical records, expert opinions, and their assessment of case value and timeline.
Our team reviews everything within hours, not days. We look for clear liability, significant damages, adequate insurance coverage, and realistic settlement expectations. Most decisions are made the same day we receive complete documentation.
Getting Your Money
If approved, we prepare a funding agreement outlining the advance amount, fee structure, and repayment terms. Your attorney reviews this agreement and explains all terms before you sign anything.
After you and your lawyer sign the agreement, we wire funds directly to your bank account. Most clients receive money within 24 hours of signing, often sooner.
Common Questions About Personal Injury Loans
What if I lose my case?
If you don’t win your lawsuit, you don’t owe us anything. Legal funding is non-recourse, meaning the funding company takes all the risk. You only pay us back if you receive a settlement or court award.
How much does funding cost?
Our fees vary based on case complexity and expected timeline. All costs are disclosed upfront with no hidden charges. Fees are deducted from your final settlement before you receive the balance. We offer some of the most competitive rates in the industry.
Do you check my credit?
No. We don’t run credit checks or look at your credit score. Bad credit won’t disqualify you. Recent bankruptcies don’t matter. Your lawsuit’s strength is the only factor we consider for approval.
How long does approval take?
Most applications are approved within 24 hours. Simple cases with clear documentation can be approved in just a few hours. Complex cases or those missing documentation might take an extra day or two.
Can I get more than one advance?
Yes. If your case takes longer than expected, you can apply for additional funding. Many clients start with a smaller amount and request more money later as their case progresses and expenses mount.
Will this affect my lawsuit?
Not at all. We never interfere with your case or legal strategy. We don’t contact the other side or their insurance company. Your lawyer maintains complete control over all legal decisions.
What if my lawyer doesn't approve funding?
Your attorney must agree to work with us before we can provide funding. Most lawyers understand legal funding and work with funding companies regularly. If your lawyer objects, we can explain the process and address their concerns.
Can I use the money for anything?
Absolutely. There are no restrictions on how you spend the money. Pay rent, buy groceries, cover medical bills, make car payments, or handle any other expenses. The choice is entirely yours.
Do I need collateral?
No collateral is required for most advances. Your pending lawsuit serves as security for the advance. For very large funding requests, we might ask about additional assets, but this is rare.
How do you get paid back?
When your case settles, your lawyer pays us directly from the settlement proceeds before disbursing the remaining money to you. You never have to write us a check or make payments from your personal funds.
Will this reduce my settlement?
No, your total settlement amount does not change. Our fees come directly from your gross award before you receive the net balance. The defendant pays the same amount whether you have funding or not.
What about taxes on the funding?
Funding advances are not considered income for tax purposes. You don’t pay taxes on money you receive from us. When you repay us from your settlement, that’s also not a taxable transaction.
Why Choose ECO for Your Cash Advance
ECO Pre-Settlement Funding has helped thousands of accident victims get the money they need while waiting for justice. We’ve been in business for years and have an excellent reputation with clients and attorneys across the country.
Higher Approval Rates
Our approval rates are higher than most competitors. We say yes to cases other companies reject. Our experienced team knows how to evaluate complex cases and find funding solutions even in challenging situations.
Fair Pricing
We offer competitive rates and transparent pricing. All fees are disclosed upfront. No hidden costs or surprise charges later. We believe in fair dealing and honest communication with every client.
Fast Service
The application process is fast and hassle-free. No credit checks, income verification, or employment requirements. Most clients are approved and funded within 24 hours. Some receive money the same day they apply.
Excellent Support
We provide excellent customer service. Our staff answers questions honestly and treats every client with respect. We return phone calls promptly and keep you informed throughout the process.
Nationwide Coverage
ECO works with attorneys nationwide and has funded cases in states where personal injury pre-settlement loans are legal. Your lawyer probably knows us or has worked with us before. We make the process smooth for both clients and their legal teams.
Flexible Options
We offer flexible funding options. Start with a small amount and apply for more later if needed. We can structure funding to meet your specific needs and case timeline.
We Have Fast Approval Process
Most clients are approved and receive funding within 24 hours. Some get money the same day they apply. Fast approval means fast relief from financial stress and bill collector calls. Remember, funding is risk-free for you. If you don’t win your case, you don’t owe us anything. But if you do win, you’ll have the money you needed to survive the wait and fight for maximum compensation.
Call (800) 961-8924 or apply online
Talk to our funding specialist about your case
Get approved within 24-48 hours
Receive cash in your bank account
Our financial recovery shouldn’t wait for your legal recovery. Get the personal injury loan funding you need today.
Apply Now To Get Immediate Personal Injury Lawsuit Loans
Don’t let money problems force you into a bad settlement. Cash advances give you the financial breathing room to fight for full compensation. You can focus on recovery while your lawyer handles the legal work. The application process is completely confidential and takes just minutes to complete. We don’t check credit, verify income, or require collateral. Your case strength is all that matters for approval.