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Common Lawsuit Financing Questions

How do I know if I am eligible for a cash advance?

If you are the plaintiff in a lawsuit (see Types of Lawsuits) and you are currently represented by an attorney, you may be eligible for a cash advance against the pending settlement of the lawsuit.

Upon completing the information form, we will contact you to discuss your case and will determine whether you are eligible — usually after discussing it with your attorney. There are no credit checks and you do not need a job

Why is this service valuable to me?

The most valuable service we offer you is financial flexibility. Many of our clients are faced with financial hardship due to the events that caused their lawsuit. Accordingly, many plaintiffs face pressure to settle their cases for less than fair value.

When you accept a cash advance from us, you allow your attorney to seek the highest possible settlement from the case.

Do I pay anything now?

No. You repay your advance and pay us our advance fee from the proceeds of your settlement, if and when the case settles. That’s the only fee you ever pay.

What happens if I ultimately lose my lawsuit?

Nothing. You keep your cash advance and you repay nothing to us.

How long does it take to get my cash advance?

You will generally have your funds in 24-48 hours from receipt of the required information from you.

Is this cash advance a loan? Are you extending me credit? Does it go on my credit report?

No, no and no. Since we share the risk of recovery from your lawsuit, this transaction is a cash advance, not a loan. Because it is not a loan, we are not extending you credit and this transaction does not appear on your credit report.

Disclosure Policy

The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender must show you the APR before you enter into the loan. States have laws limiting the APR that the lender can charge you. For Example: A typical $1,000 Personal Loan will incur interest a yearly APR of 30% which would make the payoff after one year approximately $1,300. For those that do not meet the minimum requirements for an installment loan, alternative loan solutions may be offered to you. Rates specified above are not applicable to alternative loan solutions. Please be sure your lender gives you the APR along with the other terms of your loan before you sign their agreement.
Our participating lenders may verify your social security number, driver’s license number, national ID, or any other state or federal identification and review your information against national databases to include but not limited to Equifax, Transunion, Experian, Teletrack or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. If they do, please know that this may lower your credit score. Some of our participating lenders will not perform credit checks with the three major credit reporting bureaus. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By submitting your registration through this website, you agree to allow participating lenders to verify your information and check your credit as described in their policies and terms.
Each participating lender has their own renewal policy. Some participating lenders will automatically renew your loans or will require your permission to renew your loan. Some participating lenders will not renew your loan. It is important for you to understand that extending the repayment period for a loan may result in additional interest, as well as other fees, which can greatly increase the total amount you pay back on a loan. Be sure to check if your lender automatically renews loans or requires your permission to renew the loan or will not renew. State laws often govern loan renewal policies. Be sure to know your state’s policies in regard to loan renewal and carefully read the lender’s terms before agreeing to and submitting your e-signature. Repayment terms range from 1 day to 3 years.
Each lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan be sure you read and understand the implications of making late payments. Also, each state has rules and regulations in place that payday lenders must follow when assessing fees for late payments.
If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by Federal and State law to use fair practices in their collection actions for a loan that has not been repaid. You are protected by the Fair Debt Collections Act, which includes limitation on how a lender may collect an unpaid balance including: – Not contacting you by phone before 8 am or after 9 pm. – Not harassing you or using abusive language towards you over the phone. – Not using deception to try to collect money from you. – Not threatening you with legal action if it is not permitted. * is not a lender. Only your lender can provide you with information about your specific loan terms, including the APR, renewal, payments and implications for nonpayment or skipped payments. Example Representative APRs have been provided by participating lenders, however are subject to change and could be higher or lower based on the lenders criteria and credit worthiness. Please review the loan terms provided by your lender.