Personal Injury Pre-Settlement Funding
Personal Injury Loans
Get cash now against your pending injury lawsuit. Approval in 24 to 48 hours, no credit check, and you pay back nothing if you lose.
Funded in 24 to 48 hours · No credit check · Owe nothing if you lose · All 50 states
$500 to $250,000+
Funding sized to your case strength and projected settlement, not to your credit.
Funded in 24 to 48 hours
Apply today and get a decision within a day of your attorney sending the file.
Lose and owe nothing
The advance is non-recourse. If your case fails, the debt is forgiven in full.
No credit, no income proof
Approval rests on your case file. Your job, income, and credit never factor in.
What Are Personal Injury Loans?
A personal injury loan is a cash advance tied to your pending injury lawsuit. It is not a bank loan. We advance money based on the expected value of your case, and when the case settles, repayment comes straight out of the settlement, not your savings or your paycheck. If your case loses, the advance is forgiven and you keep what you received.
You will also hear it called pre-settlement funding for injury victims, an injury lawsuit cash advance, a non-recourse injury claim advance, or legal funding for personal injury plaintiffs. They all mean the same thing. There are no monthly payments and no credit requirements. We look at your case, not your finances, so you may qualify regardless of your credit score or employment status.
The money is yours to use for whatever you need most, from medical bills and rent to groceries and everyday costs while you heal. For the full mechanics, see our guide on how pre-settlement funding works.
How Personal Injury Funding Works
Your focus should be on recovery, not paperwork. Most cases go from application to wired funds in two to three business days, and we handle the case side with your attorney.
1. Apply in 2 minutes
Submit the short form or call. Give us your contact details, your attorney’s info, and a quick note about your injury. No documents needed from you.
2. We review your case
Our team contacts your attorney for the records and reviews liability and likely value. You never gather paperwork yourself. Most decisions come within 24 hours.
3. Get your cash
Once approved, funds are sent directly to you, often the same day or the next business day. No upfront fees.
Who Qualifies for a Personal Injury Loan?
Approval comes down to three things: an attorney representing you on contingency, clear liability against the party that caused your injury, and documented injuries backed by medical records. Clear liability and documented injuries are the two biggest factors. If your attorney believes your case is strong, we can usually move quickly.
You usually qualify if
- An attorney is handling the case on a contingency fee
- Another party was mostly at fault, and it is documented
- You got medical treatment within a reasonable time after the injury
- Your case has not settled or been dismissed yet
You will not qualify if
- You are representing yourself (we cannot fund pro se cases)
- Liability is genuinely unclear, with no report and no witnesses
- You already accepted a final settlement offer in writing
- The filing deadline in your state has already passed
Not sure your case fits? You do not need to figure that out alone. Browse the case types we fund below, or just apply and let our underwriting team take a look at no cost.
Personal Injury Cases We Fund
If you have a pending lawsuit and an attorney representing you, there is a strong chance we can help. These are the case types we fund most often. Tap any one to read more.
Car accident loans
Rear-end, intersection, and distracted-driver crashes with clear liability.
Truck accident funding
Commercial and 18-wheeler cases with large policy limits and multiple defendants.
Motorcycle accident loans
Severe rider injuries that often support larger advances.
Slip and fall and premises liability
Falls caused by unsafe property conditions a property owner ignored.
Workplace and construction injuries
Third-party negligence claims arising from on-the-job injuries.
Medical malpractice and wrongful death
Negligent care and fatal-injury claims handled with care and discretion.
We also fund pedestrian and bicycle accidents, rideshare claims, dog bite and animal attack cases, product liability, and abuse and institutional claims. If your case looks unusual, apply anyway. Strong liability often matters more than the label on the file.
What Injured Clients Use the Money For
When you are hurt and out of work, the bills do not pause. An injury advance covers the gap between your accident and your settlement so you can keep your life steady while your attorney does their job. The money is yours to spend however you need:
- Rent or mortgage, so you avoid eviction or foreclosure
- Medical bills and treatment costs your insurance did not cover
- Replacing lost income while you recover
- Utilities, groceries, and daily living expenses for your family
- Physical therapy and specialist visits your recovery depends on
Whatever your most urgent need is, that is what the money is for. We do not tell you how to spend it, and there are no monthly payments to manage while your case is open.
Why Injury Settlements Take Longer Than People Expect
Here is the honest answer. Injury settlements take time because building a strong case takes time. Your attorney cannot calculate your full damages until your medical treatment is complete or your condition has stabilized. Settling before that point almost always means leaving money on the table.
Then the evidence has to come together. Medical records, expert reports, and witness statements all take time to compile and review. After that come the negotiations, and insurers rarely offer fair value on the first try, so skilled attorneys go back and forth through several rounds before reaching a fair number. If the insurer refuses to budge, litigation begins, and court schedules, discovery, and trial prep can add many more months.
This is not a flaw in the system. It is what thorough legal representation looks like. Insurance companies know that timeline is real, and they use the financial pressure it creates to push injured people toward a fast, low settlement. Pre-settlement funding removes that pressure so your attorney has the runway to fight for what your case is actually worth.
How Much Can You Get on a Personal Injury Case?
Approved advances usually land between 10% and 20% of the expected net settlement. Take a case worth $150,000 with $60,000 going to legal fees and costs. The net is $90,000, so a reasonable advance falls around $9,000 to $18,000. Here is how that plays out across common case sizes:
| Estimated case value | Net after fees & costs | Typical advance range |
|---|---|---|
| $25,000 | ~$15,000 | $1,500 to $3,000 |
| $50,000 | ~$30,000 | $3,000 to $6,000 |
| $100,000 | ~$60,000 | $6,000 to $12,000 |
| $250,000 | ~$150,000 | $15,000 to $30,000 |
| $500,000+ | ~$300,000 | $30,000 to $60,000+ |
Four things push the approved amount higher: the severity of your injuries, how clear the liability is, the size of the at-fault party’s insurance, and how close the case is to settlement. The only way to know your number is to talk to us. For the pricing detail, see our breakdown of pre-settlement funding costs and fees.
See What Your Case Qualifies For
Applying takes about two minutes and never touches your credit. Most clients hear back within 24 hours of their attorney sending the file.
Personal Injury Loan vs Other Ways to Get Cash
When money gets tight during recovery, most injured people weigh a few options. Here is how a pre-settlement advance compares with the usual alternatives.
| Option | Owe it if you lose? | Credit check? | Monthly payments? |
|---|---|---|---|
| Personal injury loan | No | No | No |
| Credit card | Yes | Yes | Yes |
| Personal bank loan | Yes | Yes | Yes |
| Borrowing from family | Yes | No | Often |
What happens if you lose your case?
You owe nothing. The agreement is non-recourse, so our right to repayment only exists if your case results in a settlement or judgment. If a jury rules against you, or the case falls apart, the advance is forgiven. Nothing goes to collections, nothing lands on your credit report, and the funder absorbs the full loss. That risk is also why the payback figure looks higher than a bank rate. For you, the trade is simple: a known cost if you win, and zero cost if you lose.
Why Injured Plaintiffs Choose ECO
ECO Pre-Settlement Funding has funded injured plaintiffs since 2010, helping thousands of people across the country stay afloat while their cases resolved. Our underwriters include former personal injury paralegals and case managers, so we read a file the way your attorney does and approve on the same factors your lawyer values: documented liability and verified damages.
- No-risk funding. You repay only if your case pays out.
- Fast decisions. Most applicants hear back within 24 hours.
- No credit checks. Your case is your qualification.
- Transparent terms. Clear, capped payback with no hidden fees or fine print.
- Direct attorney coordination. We handle communication with your legal team.
We exist to make a hard situation a little more manageable. Funding rules differ by state, with details on pages like California and Texas.
Frequently Asked Questions
What are personal injury loans?
They are cash advances based on the expected value of your personal injury lawsuit. You repay from your settlement only if you win. If your case does not pay out, you owe nothing. There are no monthly payments and no credit checks.
What types of personal injury cases does ECO fund?
We fund a wide range of cases, including car, truck, and motorcycle accidents, slip and fall and premises liability, workplace injuries, medical malpractice, wrongful death, abuse claims, and more. Call (800) 961-8924 to find out if your specific case qualifies.
Do I need an attorney to apply?
Yes. You must have legal representation to qualify. We contact your attorney directly to review the claim and determine eligibility, so you do not need to gather documents yourself.
How fast can I get funded?
Most applicants receive a decision within 24 hours of our team reaching the attorney. Funds are typically delivered the same day or the next business day after approval.
Will getting an injury loan affect my lawsuit?
No. Pre-settlement funding has no impact on your case or your attorney’s strategy. Your attorney keeps full control, and everything proceeds exactly as planned. The funder is a passive financial party.
Stop Letting Bills Make Your Legal Decisions
Every day that financial pressure builds is another day the insurance company gains leverage. A personal injury loan keeps you stable long enough for your attorney to fight for every dollar you deserve. You owe nothing if your case loses.