STATES
Pre-Settlement Funding by State
Pre-settlement funding is legal in most of the country, but the rules that shape your case are not the same everywhere. Filing deadlines, auto insurance fault systems, negligence rules and funding regulations all change by state, and each one affects whether a claim can be funded and how much an advance can be. This page compares those rules across all 50 states, including the nine where we cannot currently fund, so you know what applies to your injury case before you apply.
Funded in 24 to 48 hours · No credit check · Owe nothing if you lose · Funding injury plaintiffs since 2010
Last reviewed: September 24, 2026
Find Your State
Pick your state for deadlines, insurance minimums, negligence rules and funding details specific to your case. States marked not available have a page explaining why we cannot fund there.
Northeast
- Connecticut (not available)
- Maine
- Massachusetts
- New Hampshire
- New Jersey
- New York
- Pennsylvania
- Rhode Island
- Vermont
South
- Alabama
- Arkansas (not available)
- Delaware
- Florida
- Georgia
- Kentucky (not available)
- Louisiana (not available)
- Maryland
- Mississippi
- North Carolina
- Oklahoma
- South Carolina
- Tennessee
- Texas
- Virginia
- West Virginia (not available)
Midwest
West
- Alaska
- Arizona
- California
- Colorado (not available)
- Hawaii
- Idaho
- Montana
- Nevada (not available)
- New Mexico
- Oregon
- Utah
- Washington
- Wyoming
Compare Funding Rules by State
The table covers the four rules that matter most when we evaluate an injury claim. Regulated states are a good thing for plaintiffs: those statutes set disclosure standards, cancellation windows and, in some states, caps on charges. Scroll sideways on a phone to see every column.
| State | Injury filing deadline | Auto fault system | Negligence rule | Funding regulation | ECO availability |
|---|---|---|---|---|---|
| Alabama | 2 years | At-fault | Contributory | No funding-specific statute | Available |
| Alaska | 2 years | At-fault | Pure comparative | No funding-specific statute | Available |
| Arizona | 2 years | At-fault | Pure comparative | No funding-specific statute | Available |
| Arkansas | 3 years | At-fault | Modified comparative (50% bar) | State treats advances as loans (rate rules apply) | Not available (state law) |
| California | 2 years | At-fault | Pure comparative | Regulated (plaintiff protections apply) | Available. California regulates legal funding, and our contracts follow California requirements. |
| Colorado | 2 years (3 years for motor-vehicle injuries) | At-fault | Modified comparative (50% bar) | State treats advances as loans (rate rules apply) | Not available (state law) |
| Connecticut | 2 years | At-fault | Modified comparative (51% bar) | State treats advances as loans (rate rules apply) | Not available (state law) |
| Delaware | 2 years | At-fault (mandatory PIP add-on) | Modified comparative (51% bar) | No funding-specific statute | Available |
| Florida | 2 years (claims accruing on or after 24 Mar 2023; 4 years before) | No-fault (PIP) | Modified comparative (51% bar); pure comparative for medical negligence | No funding-specific statute | Available |
| Georgia | 2 years | At-fault | Modified comparative (50% bar) | Regulated (plaintiff protections apply) | Available. Georgia regulates legal funding, and our contracts follow Georgia requirements. |
| Hawaii | 2 years | No-fault | Modified comparative (51% bar) | No funding-specific statute | Available |
| Idaho | 2 years | At-fault | Modified comparative (50% bar) | No funding-specific statute | Available |
| Illinois | 2 years | At-fault | Modified comparative (51% bar) | Regulated (plaintiff protections apply) | Not available (we do not operate here yet) |
| Indiana | 2 years | At-fault | Modified comparative (51% bar) | Regulated (plaintiff protections apply) | Available. Indiana regulates legal funding, and our contracts follow Indiana requirements. |
| Iowa | 2 years | At-fault | Modified comparative (51% bar) | No funding-specific statute | Available |
| Kansas | 2 years | No-fault (PIP) | Modified comparative (50% bar) | Regulated (plaintiff protections apply) | Available. Kansas regulates legal funding, and our contracts follow Kansas requirements. |
| Kentucky | 1 year (2 years for motor-vehicle injuries) | Choice no-fault | Pure comparative | State treats advances as loans (rate rules apply) | Not available (state law) |
| Louisiana | 2 years (injuries on or after 1 Jul 2024; 1 year before) | At-fault | Modified comparative (51% bar) for incidents on or after 1 Jan 2026; pure comparative before | No funding-specific statute | Not available (we do not operate here yet) |
| Maine | 6 years | At-fault | Modified comparative (50% bar) | Regulated (plaintiff protections apply) | Available. Maine regulates legal funding, and our contracts follow Maine requirements. |
| Maryland | 3 years | At-fault | Contributory | State treats advances as loans (rate rules apply) | Available |
| Massachusetts | 3 years | No-fault | Modified comparative (51% bar) | No funding-specific statute | Available |
| Michigan | 3 years | No-fault (PIP) | Modified comparative (51% bar) | No funding-specific statute | Available |
| Minnesota | 6 years (negligence); 2 years for intentional torts | No-fault | Modified comparative (51% bar) | No funding-specific statute | Available |
| Mississippi | 3 years | At-fault | Pure comparative | No funding-specific statute | Available |
| Missouri | 5 years | At-fault | Pure comparative | Regulated (plaintiff protections apply) | Not available (we do not operate here yet) |
| Montana | 3 years | At-fault | Modified comparative (51% bar) | Regulated (plaintiff protections apply) | Available. Montana regulates legal funding, and our contracts follow Montana requirements. |
| Nebraska | 4 years | At-fault | Modified comparative (50% bar) | Regulated (plaintiff protections apply) | Available. Nebraska regulates legal funding, and our contracts follow Nebraska requirements. |
| Nevada | 2 years | At-fault | Modified comparative (51% bar) | Regulated (plaintiff protections apply) | Not available (we do not operate here yet) |
| New Hampshire | 3 years | At-fault | Modified comparative (51% bar) | No funding-specific statute | Available |
| New Jersey | 2 years | Choice no-fault | Modified comparative (51% bar) | No funding-specific statute | Available |
| New Mexico | 3 years | At-fault | Pure comparative | No funding-specific statute | Available |
| New York | 3 years | No-fault | Pure comparative | Regulated (plaintiff protections apply) | Available. New York regulates legal funding, and our contracts follow New York requirements. |
| North Carolina | 3 years | At-fault | Contributory | State treats advances as loans (rate rules apply) | Available |
| North Dakota | 6 years | No-fault | Modified comparative (50% bar) | No funding-specific statute | Available |
| Ohio | 2 years | At-fault | Modified comparative (51% bar) | Regulated (plaintiff protections apply) | Available. Ohio regulates legal funding, and our contracts follow Ohio requirements. |
| Oklahoma | 2 years | At-fault | Modified comparative (51% bar) | Regulated (plaintiff protections apply) | Available. Oklahoma regulates legal funding, and our contracts follow Oklahoma requirements. |
| Oregon | 2 years | At-fault (mandatory PIP add-on) | Modified comparative (51% bar) | No funding-specific statute | Available |
| Pennsylvania | 2 years | Choice no-fault | Modified comparative (51% bar) | No funding-specific statute | Available |
| Rhode Island | 3 years | At-fault | Pure comparative | No funding-specific statute | Available |
| South Carolina | 3 years | At-fault | Modified comparative (51% bar) | State treats advances as loans (rate rules apply) | Available |
| South Dakota | 3 years | At-fault | Slight/gross comparative (barred if plaintiff’s fault is more than slight) | No funding-specific statute | Available |
| Tennessee | 1 year | At-fault | Modified comparative (50% bar) | Regulated (plaintiff protections apply) | Available. Tennessee regulates legal funding, and our contracts follow Tennessee requirements. |
| Texas | 2 years | At-fault | Modified comparative (51% bar) | No funding-specific statute | Available |
| Utah | 4 years | No-fault | Modified comparative (50% bar) | Regulated (plaintiff protections apply) | Available. Utah regulates legal funding, and our contracts follow Utah requirements. |
| Vermont | 3 years | At-fault | Modified comparative (51% bar) | Regulated (plaintiff protections apply) | Available. Vermont regulates legal funding, and our contracts follow Vermont requirements. |
| Virginia | 2 years | At-fault | Contributory | No funding-specific statute | Available |
| Washington | 3 years | At-fault | Pure comparative | No funding-specific statute | Available |
| West Virginia | 2 years | At-fault | Modified comparative (51% bar) | Regulated (plaintiff protections apply) | Not available (state law) |
| Wisconsin | 3 years (2 years for motor-vehicle wrongful death) | At-fault | Modified comparative (51% bar) | No funding-specific statute | Available |
| Wyoming | 4 years | At-fault | Modified comparative (51% bar) | No funding-specific statute | Available |
We do not currently provide funding in Arkansas, Colorado, Connecticut, Kentucky or West Virginia because of those states’ laws on legal funding. We also do not currently operate in Illinois, Louisiana, Missouri or Nevada, though funding is legal there. Each of those states has a page with the details.
Why Your State Changes Your Funding
Statute of limitations
Every state gives an injured person a fixed window to file a lawsuit. Miss it and the claim is usually gone, no matter how strong the facts. That deadline matters to funding for two reasons. First, we can only advance money against a claim that can still be filed or is already on file, so a case close to its deadline needs an attorney moving on it before we can help. Second, the deadline shapes how long a case is likely to run, which affects the total cost of an advance. If your accident was more than a year ago, contact your attorney about the filing deadline today, then apply.
At-fault vs. no-fault, and negligence rules
In an at-fault state you claim against the driver who caused the crash, and their insurer. In a no-fault state your own policy pays initial medical bills, and you can only sue the other driver once your injuries pass a threshold. Both systems can support funding, but no-fault cases sometimes take longer to reach a claim against the at-fault party. Negligence rules matter even more. Under pure comparative rules you can recover even if you were mostly at fault. Under modified rules you lose everything at 50 or 51 percent fault. Under contributory rules, any fault at all can bar recovery. Because an advance is usually 10 to 20 percent of expected case value, a rule that lowers case value lowers the advance.
State funding regulations
A growing number of states have passed consumer legal funding statutes. They typically require funders to register or hold a licence, spell out every charge in plain language on the contract, give you a window of several business days to cancel without penalty, and require your attorney to acknowledge the agreement. Some also cap charges or stop them accruing after a set period. Regulation is protection, not a barrier: it means the contract you sign has been shaped by rules written for plaintiffs. Where a state regulates legal funding, our contracts follow that state’s requirements.
How Funding Works in Every State
The process is the same in each state we serve. You apply online or by phone. We contact your attorney to confirm the case, liability and expected value. If approved, you sign a funding agreement written to your state’s rules, and funds are sent by ACH or wire, usually within 24 to 48 hours. Advances typically run 10 to 20 percent of expected case value, from $500 to $250,000 or more. Repayment comes only from your settlement. If you lose, you owe nothing. See how it works and who qualifies for details.
Injury Cases We Fund
We fund individual injury claims. Pick your case type for eligibility, typical advance sizes and what your attorney will need to send us.
For mass tort, institutional abuse, commercial or employment claims, see our sister company America Lawsuit Loans.
Frequently Asked Questions
Is pre-settlement funding legal in every state?
It is legal in most states. Some states regulate it with registration, disclosure and cancellation rules, and a few treat advances as loans or restrict them in ways that keep us from operating there. The table above shows the position in each state we have a page for, and the list under it names the nine states where we do not fund.
Does my state’s statute of limitations affect funding?
Yes. We advance money against claims that are filed, or can still be filed, inside the deadline. If your deadline is close, your attorney needs to file first. The deadline also affects how long the case may run, which affects the total cost of the advance.
What is the difference between a regulated and an unregulated state for me as a plaintiff?
In a regulated state the funding contract must follow statutory rules: plain-language disclosure of every charge, a cancellation window of several business days, attorney acknowledgment and, in some states, caps on charges. In an unregulated state those protections come from the funder’s own contract and general consumer law. Our contracts follow each state’s requirements either way.
Can I get funding if my state is no-fault?
Yes. No-fault rules govern who pays your first medical bills, not whether you can get an advance. Once your injuries pass the state’s threshold and your attorney has a claim against the at-fault driver, the case can be evaluated for funding like any other.
How much can I get in my state?
Advances usually run 10 to 20 percent of the expected case value, from $500 to $250,000 or more. The amount depends on liability, damages, insurance limits and your state’s negligence rule, not on where you live. Apply and we will give you a figure after speaking with your attorney.
Important: Pre-settlement funding is a non-recourse advance against a pending claim, not a loan. Repayment is owed only from the proceeds of your case; if you recover nothing, you owe nothing. Rules, deadlines and costs vary by state and change over time. The information on this page is general, was last reviewed on September 24, 2026, and is not legal advice. Confirm the deadline that applies to your claim with your attorney. Funding availability, amounts and terms are subject to state law and case evaluation.
Apply for funding in your state today
Free, no-obligation case review. Decisions in 24 hours, funding in 24 to 48 hours.