Car Accident Loans

Pre-settlement auto accident loans —to get you one step ahead.

No-risk pre-settlement auto accident loans help plaintiffs with pending lawsuits regain possession of their lives and control their settlement outcome. Get $1,500 to $1mm in advance of your car accident settlement by tomorrow. Apply to qualify.

Car accident loans

What are car accident loans?

Pre-settlement loans for auto accident victims are risk-free cash advances in the form of a check or a wire borrowed against pending settlements or awards.

A pre-settlement auto accident loan is a widely known term used to describe non-recourse funding for auto accident claims. This type of financing should not be considered a loan in the traditional sense because pre-settlement car accident loans are not secured by property, such as a house or a car, and credit history or employment verification is not required to underwrite the loan. Just as your fee agreement with your contingency attorney, if, for any reason, you don’t successfully settle your legal case, you won't be responsible for the re-payment of the advance. Obtaining legal funding on your accident claim is an investment into the outcome of your motor vehicle accident lawsuit.

Same day accident loans

See how auto accident loans work.

We have made the process easier than anyone else. See how easy it is to get financial assistance after a car accident.

Advantages of automobile accident loans.

Pre-settlement car accident loans from Baker Street Funding could be a lifeline for personal injury victims in need of financial help now. Fund your case with Baker Street Funding and get a quick car accident settlement loan coupled with simple and low interests and capped rates. And, if you need more funding but have a current loan with a different company, we provide additional advances to plaintiffs who want a better service and a lower rate with our previous funding refinance program. This has helped us become one of the best pre-settlement funding companies nationwide. 

More reasons to love Baker Street Funding auto accident loans.

Taking an auto accident lawsuit loan from Baker Street Funding could help you get a head start on your future with a quick, safe, and non-invasive approach.

Instant help​

Get all of your questions answered instantly. Our clients' satisfaction is based upon our approval rate, live updates, and speedy process.

Quick process

Experience the fastest automobile accident pre-settlement funding process and results. Receive your cash advance by tomorrow.

5-star ratings

See our 5-star reviews! Major media outlets have recognized us as an industry leader for our loans on car accident settlements —worldwide.

Safe funding

Obtain a safe and efficient auto accident pre-settlement loan from a top-rated legal funding firm. We win this game with you.

Apply for a pre-settlement car accident loan in seconds.

Baker Street Funding provides next-day funding to car accident victims in need of quick advance. Get a risk-free cash advance from your lawsuit settlement while your case is still pending. Call us to apply at (888) 711-3599

Surgery loans for auto accident victims.

Do you need surgery as a result of your car accident?

At Baker Street Funding we provide medical funding to plaintiffs with accident cases in connection with auto accident lawsuits and who are unable to afford medical procedures due to the privatization of health insurance or personal injury protection coverage.

If your doctor has recommended a surgical procedure to treat an injury from a motor vehicle accident, we can provide you with the lawsuit financial assistance to cover for it. This funding service for car accident victims gives you access to the quality healthcare you need, and that you could not access before. Additionally, medical providers are compensated quickly and fairly (pre-operation) and you can receive a pre-settlement loan while recovering from your medical treatment.

Pre settlement loan auto accident

Car accident settlement loans—settled cases.

Car accident loans for settled cases. Get an auto accident settlement loan that fits your life.

You are probably expecting a fast settlement payment, but even they can drag on for months. Car wreck loans for settled claims could bring financial relief to plaintiffs waiting for delayed payments from the insurance.

Car accident settlement loans could help bridge those financial gaps allowing plaintiffs to cover post-settlement expenses while waiting for the settlement check to be released. Take a cash advance for your settled motor vehicle accident case —and get a fast funding process in as little as 12 hours.

Get an auto accident settlement advance(s) with rates as little as 1.5%

Baker Street Funding offers affordable auto accident settlement advance services to plaintiffs with settled to car accident personal injury cases.

Loans for accident settlements are risk-free

Loans for accident settlements are non-recourse financing contracts and are technically not loans. You will not be billed if your case doesn't reach a conclusion or you don't end up getting paid.

See how much you can get from your accident lawsuit.

Baker Street Funding is the type of automobile accident loan company that provides much larger cash advances against potential car accident settlements to plaintiffs in need of immediate financial assistance.


This is a wrongful death case. The victim died as a result of an intoxicated driver with a construction vehicle.



The plaintiff had 3 neck surgeries and is now disabled due to a truck that crashed into the bus while on a red light. 



This is a settled case. The plaintiff won his case and borrowed money against his pending award.


You can too get a fast auto accident cash advance.

Simple lending process

Not like other lawsuit loan companies we called. We took out 2 accident loans. Baker Street Funding lending process was easy! It took a total of 2 days to get our car accident loan.

Jason Ramos

I recommend them 100%​

I applied for a car accident lawsuit loan. I was insolvent and desperate I couldn’t walk, I needed money quick and they quickly helped. I was surprised that it was easy. I recommend them 100%.

Mark Johns

Extremely helpful and fast

The 3 car accident loans I took out were extremely helpful!! I really just wanna say thank you to Baker Street Funding. I will recommend friends and family to you.

Mr. Mialls

Super easy and helpful​

Within seconds of hitting the “Enter” button, I had a call! The next day I literally had the approval for my accident loan and money deposited in my account the day after. Super easy and so helpful!

Cindy Agatha

Apply for a pre-settlement auto accident loan.

Apply for a low-interest rate pre-settlement car accident loan in a matter of seconds. All applications are answered within 2 hours or less.

See our services.

Our experts are ready to answer any questions you may have about your needs. We understand you are going through a difficult situation and we are here to help you get the best funding rates for your auto accident lawsuit. Call us at (888) 711-3599 to learn more about lawsuit funding for car accidents.

Car accident lawsuit funding FAQ.

Same-day settlement loans for accident victims provide them with the money they need within 12 hours or less to pay for their necessary expenses today while waiting for their settlement check to arrive. Same-day accident loans are exclusively for settled cases. To fund a motor vehicle accident case the same day, your attorney needs to contact us immediately and send the case required documentation that same day. Baker Street Funding occasionally provides car accident loans the same day and in as little as 6 hours after receiving the settlement agreement from the lawyer in charge. If you are interested in getting a same day accident loan, please contact your attorney now and have him contact us at (888) 711-3599 to get you funded today.

If you don’t have an attorney, we suggest you hire one soon. Car accident lawsuit funding companies do not fund accidents if an attorney has not been retained. We will only qualify your accident case for a cash advance if you have been injured in a motor vehicle accident and have retained an attorney. If your case is strong enough, we may help you get the money you need.

You may be able to qualify for a loan against your pending auto accident claim if you have an active car accident lawsuit, you have an attorney’s representation, you were injured due to the negligence of another driver, and you live in a fundable state. Your lawsuit must involve the insurance company or self-insured entity.

There are many ways that a car accident loan can be helpful. A pre-settlement loan for auto accidents helps put difficult cases in a better position so you and your lawyer can focus on properly preparing your lawsuit to WIN BIG. A car accident lawsuit loan can provide you with the money you need while your attorney focuses to obtain the best compensation for you. Insurance companies are known to delay settlements, so a pre-settlement auto accident loan can help you move ahead with your finances while your case is still pending an offer from the insurance or trial.

The money can be used for indispensable matters. Pre-settlement loans for auto accidents represent a perfect way for personal injury victims to get back on track with their finances while pursuing a fair settlement. ​ A car accident loan can help you sustain yourself while your case is pending in court. Auto accident settlement cash advances can be used for the most basic needs such as:

  • Medical bills for treatments the insurance/lawsuit won’t cover.
  • General living expenses will also need to be paid.
  • If you can’t work you can’t earn money to pay for food or general bills.
  • Additionally, some people have car payments or need to pay for shelter.

If you need surgery as a result of your accident, we will negotiate a cash price for your surgical procedure with the medical provider to get you the care you need and help maximize your motor vehicle case’s value. We create custom individually tailored solutions for car accident plaintiffs and their attorneys to provide the best possible medical outcome for their claim.

Yes! You can receive a pre-settlement loan for your accident case if it has a settlement value of over $50,000.

The first thing you need to do is apply for the advance, and then we will review your legal battle with your lawyer including any settlement offers. If you get approval, you will be eligible to borrow a portion of the estimated case value.

Baker Street Funding is extremely well-capitalized, and there is no limit to what we can fund. Pre-settlement loans for auto accidents typically vary between $1,500 to $750,000. Generally, the cases that get larger amounts are those who have suffered catastrophic injuries, and the defendant is insured for more than one million dollars. Lawsuits against the state, such as police car accidents, where the victim has suffered permanent injuries and disabilities, also get funded top amounts. 

An auto accident cash advance is as easy as 1-2-3. Baker Street Funding is one of the fastest legal accident loan companies; we provide funding for car accident victims in a matter of 24 hours or less.

  • The approval of your accident loan is determined by underwriting in less than 48 hours.
  • Most requests are approved within 24 hours of receiving the case file. Many times, a plaintiff is approved as soon as the legal funding company speaks to the attorney.
  • With the cooperation of your attorney, the process takes one business day. Baker Street Funding is a top-rated car accident loan company that often offers injured victims funds within the next business day.

When you’re injured in a car accident, dealing with the at-fault party’s insurance company can be exhausting, stressful, and debilitating. You may be left without income and tempted to take whatever low-ball amount the insurance adjuster offers you. 

When everything seems not to be working in your favor, then a pre-settlement loan from your auto accident lawsuit could help you recover financially.

Simply put:

  • When you are at a point where you are in major need of money to take care of your most essential needs, then maybe you should consider applying for a car accident settlement loan.
  • A car accident cash advance can help take care of your financial liabilities and put you in a better position when dealing with the defendant’s insurance company so you don’t settle for a minimum offer.
  • If your case for any reason doesn’t resolve, you, the plaintiff, will no longer owe the advanced pre-settlement funds.

No, you won’t have to pay back the accident advance if your case loses trial. Lawsuit settlement loans for victims with settled accident cases that end up in bench or jury trial are advances from that potential pending judgment collection, and they are safe regardless of the outcome of the findings of the law because non-recourse financing means that you are exempt from paying a dime if you don’t win your case in court.

Rates: Baker Street Legal Funding provides lower rates than other companies, especially to cases referred by attorneys. Depending on how risky the accident case is, the rates could vary between 1.5% to 3.34% per month (non-compounding), ending in the third year.

Risks: A car accident lawsuit cash advance from your pre-settled or settled case is not a loan. A loan has to be paid back; non-recourse funding is not paid back if the case doesn’t end up in a successful resolution, which happens to settled cases sometimes when the defendant appeals. Lawsuit settlement loans for car accident victims are advances from the prospects of a settlement. These are safe regardless of the outcome of the situation because non-recourse financing for auto accidents is safe, meaning, if you don’t recover from your case, you will not be responsible for the loan.​ The lending company will take the loss. You will only repay the car accident loan if and when your case is settled in your favor, and this is written on the contract you and your attorney dually execute. 

Rate Non-compounding starting at 24% p/year
Terms 2-3 year cap
Funding time 24-48 hours
Amounts $1,500 up to $2mm

Auto accident pre-settlement loans for dummies.

The accident loans guide.

This guide will help you learn some of the detailed facts on how accident loans work, why funding companies exist, and some of the in-depth statistics about accidents and injuries in the United States. 

The topics we will cover are:

  • Full list of motor vehicle accidents we fund
  • Is an auto accident settlement advance right for you?
  • The car accident cash advance evaluation process
  • Automobile accident statistics
  • The insurance company and loans on car accident settlements
  • Car accident loans near you

Baker Street Funding provides legal funding for any type of motor vehicle accident lawsuit.

The following list contains some of the claims we mostly invest in:

Baker Street Funding provides accident financing for some of the following bodily injuries.

All victims with bodily injuries caused by traffic, air, or water-related negligence are welcomed to apply.

How car accident victims are affected after a car crash.

Car crashes can leave victims injured for prolonged periods. Motor vehicle accidents can have a significant financial impact because they take years to settle in most cases. Many accident victims cannot pay for their most essential needs, such as food and shelter. Out of desperation, they may feel pressured to take an undervalued settlement from the insurance.

Why do pre-settlement auto accident loans exist?

Pre-settlement loans for accidents exist to help plaintiffs get through financial difficulties with ease and get as many car accident loans as you may need (upon approval) until you successfully conclude your accident claim. Legal funding companies approve motor vehicle accident victims with advances against their pending lawsuits because an underwriting team of lawyers strongly believes your case is strong enough to win and pay back the cash advance.

Figuring out if an accident loan is what you need.

To make it easier for you, we have come up with some fundamental questions on why loans for car accident settlements may be the right fit: Is your ability to work close to impossible because of your injuries? We recommend applying for a car accident lawsuit advance only if you are at the point where you cannot work. Car accident settlement loans should only and solely be your last choice when all other options are not available. If your essential needs are met, then it is best to wait for your case to settle. Is the defendant’s insurance company blocking you from getting a better settlement? The truth of the matter is, if you can afford the insurance company’s delays, then you should not get a car accident loan(s). But if you are under massive debt due to the prolonged insurance settlement setbacks, then a car accident loan can help you. At the same time, you can wait for a better settlement offer.

1) Case Evaluation

At Baker Street Funding, we analyze your car accident case details with efficiency. An underwriter with extensive auto accident claim experience will review your motor vehicle case to determine its value. After the qualification process is approved by our legal funding team specializes in motor vehicle accidents, your case will enter the evaluation stage.
  • Most of our car accident cash advance requests are approved within 24 hours of receiving your case file.
  • Many times we can approve you as soon as we speak to your attorney.
  • All auto-accident pre-settlement advance advances are no more than 10% of your car accident lawsuit’s value for pre-settled accident claims and no more than 50% for settlements.

2) Approval

The approval amount for a car accident loan will depend on some of these factors: the nature and severity of your injuries, the faulty element, the complexity of your case, insurance limits, and the ability to let your case go to trial, which has more risk.

3) Approved bodily Injuries

Approved injuries include head and brain injuries, neck and back injuries, amputation, burn injuries, amputation; soft tissue injuries and broken bones; herniated disks; disfigurement, and scarring.

4) Legal funds

Once the car accident funding company gives your case a fair value, you will immediately receive a phone call from one car accident loan expert. If you decide to take the car accident advance, we will formulate a settlement funding contract for you and your attorney to execute. Lastly, upon dual execution of the accident loan agreement, we will send you the funds either by check, wire, or to your attorney’s office. Remember that after the auto accident lawsuit funding company has carefully determined your chance of winning your lawsuit, you can have more hope in your case because the moment you get approved and receive the upfront car crash lawsuit cash advance, you might as well say your claim is as good as won.

Auto accident causes.

Most personal injury cases in the USA involve motor vehicle accidents. It usually happens when a driver is not following the rules; therefore, the careless driver could be held accountable for injuries caused by a car accident he initiated. Exceptions apply to “no-fault” states meaning drivers can only seek compensation from their insurance unless the accident caused serious injuries. Emergency rooms get about $2.5 million Americans annually injured in motor vehicle accidents. $18 billion in a lifetime of medical costs are to blame on auto accidents. Over 1,000 people suffer life-changing injuries on the road every day of the year. Over 33,000 people are involved in fatal auto accidents each year, according to the NSC.Leading causes of motor vehicle accidents:

  • Drinking and driving
  • Texting and driving
  • Speeding
  • Falling Asleep While Driving
  • Poor Road Conditions

Injuries that motor vehicle accident victims suffer the most.

A car accident can leave you with lifelong painful injuries that can lead to job loss, the oppression of following your daily activities, and even permanent disability, which is why auto accident lawsuit loans become a lifesaver for injured plaintiffs. Common injuries include whiplash and other neck injuries; spinal cord and back injuries; concussions and other head injuries; knee, ankle, and leg injuries; and brain and back injuries.

How the insurance works and how it affects your accident lawsuit.

There is a reason why settlement funding companies always ask for one crucial piece of document, and that’s the defendant’s insurance policy. The value we give your case depends on the rules that govern every state.

Pure contributory fault:

Pure contributory fault is the insurance company’s favorite regulation. It determines the % of who was negligent within the accident. Under its rules, whatever was the amount you were negligent for, that amount will limit your recovery. In other words, if they decided that you were 92% at fault, your benefit is that you would still be able to recover 8% of your damages from the defendant’s insurance company.

50% modified comparative fault:

If you are 50 percent or more at fault for an accident, you cannot seek compensation for your injuries. Any less than 50 percent and you can collect, subtracting which percent was your fault.

51% modified comparative fault:

If you are 51 percent or more at fault for the accident, you cannot collect damages. This means if you’re hurt in an accident, and it was partially your fault, you still have a right to seek damages.

Uninsured motorist injury claim:

This type helps pay for harm when the other party doesn’t have liability insurance.


Regardless of who is at fault, this type of insurance covers medical costs. In no-fault states, personal injury protection (PIP) is required, and drivers are limited in their right to sue other drivers; therefore, PIP will not compensate you for pain and suffering.

Legal funding for car accident lawsuits helps plaintiffs, but does it help the insurance company?

An insurance company, in general, wants to offer you the least amount possible for your accident. Often, victims of motor vehicle accidents find themselves in challenging positions from losing homes, not working, and struggling to pay the main essences of life, such as electricity or food. Insurance companies have methods on how to get you to accept the least amount possible for your accident. Although pre-settlement funding for car accidents brings many benefits to struggling injured plaintiffs, some insurance companies don’t see it as beneficial for business. They end up paying plaintiffs more money if the victim can wait for better personal injury compensation. Accident victims who receive funds to support themselves can often say no to the insurance company’s undervalued offer and end up settling for a higher amount. This is the fundamental reason why insurance companies are against the car accident loan market.

Pre-settlement auto accident loans and negative advertising from insurance companies.

There are articles online advertising how they care for plaintiffs; at the same time, they intend to take down the auto accident loan industry out of existence. Therefore, the plaintiff will have no choice but to settle for less. Don’t allow insurance companies to get away with offering you an offer that does not reflect the true value of your case. Apply today for an auto accident settlement advance and get the help you need FAST.

Remember, insurance companies are against car accident loans because we help victims like you.

Accident legal funding eligible states.

We provide settlement loans for auto accident claimants in the states listed below. Baker Street Funding has minimum accident legal funding amounts for some states as per company policy. Please be noted that automobile accident loans are provided only in the United States of America.

*We provide funding for personal injury, employment/labor, and civil rights lawsuits in the following states:

Arizona, Alabama, Alaska, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, NevadaNew York, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming.

  • We currently fund Colorado at a minimum of $75,000.  Case value must be at least $750,000+. 
  • We currently fund North Carolina at a minimum of $25,000. Case value must be at least $250,000+. 
  • We currently fund South Carolina at a minimum of $100,000. Case value must be at least $1,000,000+. 
  • We currently fund in Nevada at a minimum of $20,000. Case value must be at least $200,000+.
  • We currently fund in Illinois at a maximum of $40,000. Case value must be at least $400,000+.
  • We currently fund in Tennessee at a minimum of $10,000. Case value must be at least $100,000+.
  • We currently fund in Arizona at a minimum of $20,000. Case value must be at least $200,000+.

*Litigants with corporate disputes are eligible to receive funding in every state in the United States (and eligible countries).

*Funding for attorneys is provided in most states. Please get in touch with us to find out if your state is eligible.

*Worker’s compensation claims are funding only in the following states: Alaska, Connecticut, Florida, Iowa, Louisiana, Montana, Rhode Island, Washington, and Wyoming.

Rate Non-compounding starting at 2.95% p/month
Limit 2 – 3 year cap
Funding time 24 hours
Funding amounts $1,500 up to $2,000,000
Risks None

Get legal funding for your accident lawsuit today.

Pre-settlement funding is available for any type of personal injury lawsuit. Give us a call to see if you can get approved for personal injury pre-settlement funding.

Select a legal funding service to get started. 

Attorney Requests

Lawsuit Loans

Litigation Funding

Personal Injury Loans

Settled Case Loans

Surgery Funding

Or just call us at 888.711.3599 to apply.