Lawsuit Loans

 Non-recourse lawsuit loans while your case is pending.

A lawsuit shouldn’t drain your savings while you push for a fair outcome. Our lawsuit loans are non-recourse cash advances, so you can get funds without credit checks or job verification. Focus on recovery and your case—not bills—and repay only if you win, with rates starting at 2.95% monthly

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  •  No-risk structure (non-recourse): Repayment is only from your settlement or verdict, not out of pocket.
  • No credit checks: Approval is based on your case and your attorney—not your credit score or employment.
  • Fast funding: Once approved, funds can be sent the same day (based on case stage and attorney response time).
  • Scalable support: Advances from $1,500 to $2.5M, typically up to 10% of expected recovery (state rules apply), or up to 20% for settled claims.

Get approved in as little as 24 hours.

Apply for a lawsuit loan with low rates starting at 2.95% monthly (simple), with a 3-year cap, so more of your settlement stays yours. Get a decision in as little as 24 hours after your attorney sends the case documents. Funding can go out the same day you sign after approval. 

Check My Eligibility

You see your rate, cap, and payoff estimate in writing before you sign.

No hidden fees | No out-of-pocket fees to apply | No penalties.

Lawsuit loan funding, pre-settlement cash advance, financial assistance for legal battles

Beyond the terminology: understanding lawsuit loans.

“Lawsuit loans,” “advance funding,” or “pre-settlement funding” all describe non-recourse cash advances against your potential settlement. You’re not personally liable if the case falls short, offering true protection.

Funding providers vary slightly in terms, but core perks remain the same: ease bills for financial relief, heal steadily with peace, and repay only from a win. Choose wisely—review costs and expectations  to make decisions that best fit your life circumstances

How lawsuit loans work.

Lawsuit loans from Baker Street Funding start with a quick case review by our experts, focusing on merit through your attorney—no credit hurdles. Once approved, funds arrive fast, easing bills without influencing your claim. It’s non-recourse, so risks stay with us.

Risk free legal funding
protection

Why choose lawsuit loans for fair settlements?

If you’re involved in a lawsuit, then you know that waiting for your settlement money can seem miles away. Legal proceedings drag on, bills pile up and your savings dwindle. On top of that, insurance companies often delay settlements, pressuring you into an undervalued settlement.

Our lawsuit loans provide non-recourse cash to cover essentials, giving you strength to hold out for what you truly deserve. This support not only eases your stress but also empowers your attorney to negotiate from a position of strength.

Don’t let financial strain dictate the outcome of your case. Apply for a lawsuit loan with Baker Street Funding today, and take a step toward recovery—without the distractions.

Funding at every stage of your lawsuit.

Access cash when you need it most, at key points in your lawsuit. Pre-settlement funding bridges gaps early, advancing against your expected award before resolution. For later stages, settlement loans draw from your confirmed check or judgment, offering stability as closure nears.

funding for all stages

How to apply for a lawsuit loan.

step 1

Apply online

Begin online or call (888) 711-3599. Share case basics and attorney details—we handle the rest with care.

step 2

Evaluation

Our team collaborates with your lawyer to assess eligibility, focusing on your claim’s strength for fair support.

step 3 

Approval

Once approved, review and sign the non-recourse funding contract—simple terms protect your peace.

step 4 

Cash

Funds transfer same-day via bank or next-day check—most see relief within hours, easing immediate pressures.

Facing mounting bills amid your claim? Secure non-recourse lawsuit loans without credit checks. Request yours and regain control.

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Lawsuit loans in every state

Here is how you can use your pre-settlement funds.

Use your cash advance for anything you need, like:

  • Medical Bills. Reduce stress while you recover.
  • Living Expenses. Keep up with daily costs, from groceries to utility bills, so that your quality of life doesn’t suffer.
  • Rent or Mortgage Payments. Stay secure in your home by making housing payments on time.
  • Debt Payments: Manage bank loans or credit card debts that could escalate if left unattended.
  • Child Support: Consistently meet your family’s obligations.

** Restrictions: Lawsuit loans cannot be used to fund any illegal or unethical activities. It is also prohibited to use them to pay your attorney’s fees. Some states may have additional restrictions or limitations on how lawsuit loan funds can be used.

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Lawsuit loans with low rates

Low-interest lawsuit loans—financial freedom without the risk.

Discover low-interest lawsuit loans that offer true financial freedom without the risk. With no-win-no-pay terms, flexible funding, and dedicated support, you can focus on winning your case with confidence. Apply now for the stability you deserve.

Available in 42 states (fast turnaround + support)

Our lawsuit cash advances are available in 42 states. Once approved, you can get funds quickly and work with one specialist who stays with you through the process.

  • Fast turnaround: Same-day funding after approval is available when you sign your agreement before 4:00 PM ET (bank wire timing and cutoff rules vary).
  • Dedicated support: Partner with a dedicated funding specialist throughout your case.
  • Flexible options: Choose monthly support or a lump sum based on what your case supports.
  •  Extra Funds for Unexpected Costs. You can request additional funding later, subject to review.

Lowest rates (as low as 2.95% monthly simple interest) with a 3‑year cap.

You’ll see your rate, your cap, and your estimated payoff before you sign. No hidden fees, no out-of-pocket costs, and no penalties.

  • Rate caps: For predictability, charges stop after the cap period (commonly 2–3 years), even if the case takes longer.
  • Clear pricing: Your rate interval stays consistent for the term, so you can estimate payoff more easily.
  • Attorney-referral savings: If your attorney refers your case, you may qualify for a reduced rate (when available).
  • Buyouts/refinancing: If you already have funding, you can request a payoff review to see if lower-cost terms are possible.

Consumer protections and ethical policies.

Clear terms matter, but so does how you’re treated. Our process is built to protect your privacy, avoid pressure, and keep your case in your attorney’s control.

  • Ethical communication: No pressure tactics or harassment to push a contract.
  • Cancellation window: You can cancel within 5 days (where applicable).
  • Privacy-first: We don’t interfere with your litigation and we protect your sensitive information.
  • No quid pro quo: We don’t pay for attorney referrals or accept commissions from attorneys or staff.
Ethical funding

The benefits of our risk-free lawsuit loans.

Unlock unparalleled financial freedom with our non-recourse lawsuit loans—funds when you need them, with no strings attached.

  • No repayment if you lose: If there’s no recovery, you don’t repay the advance.
  • No income or credit checks: Funding decisions focus on the case and attorney cooperation.
  • Asset protection: Because it’s non-recourse, you’re not pledging personal assets as collateral.
No risk pre-settlement lawsuit funding

Baker Street Funding specializes in risk-free lawsuit loans with the lowest rates, designed to keep more of your settlement in your pocket—just as it should be. Get competitive interest rates on your lawsuit settlement loans starting as low as 2.95% monthly (non-compounding).

Apply now

Compare lawsuit loan rates.

Ever look at “lawsuit loan rates” online and think, okay… but what does this actually cost me?
You’re not alone. When you’re injured and bills keep coming, the last thing you need is a contract that feels like a riddle.

Pre-settlement funding (also called a lawsuit loan or lawsuit cash advance) gives you money before your case settles. It’s non-recourse, which means repayment comes only from your settlement or verdict. If you don’t recover money in your case, you don’t repay the funding.

Now here’s the part most people miss: the “rate” is only one piece of the puzzle.
Interest type, caps, fees, and payoff math decide whether funding stays reasonable—or gets expensive fast.

Read More

Baker Street Funding vs. other lawsuit funding companies.

The chart below shows common terms people compare when they’re shopping for lawsuit funding. Exact offers vary by case, and your attorney reviews the funding terms before funds go out.

 Baker Street FundingOther Lawsuit Funding Companies
Funding Amount Range$1,500 – $2.5MMUp to $250,000
Cap3-year capNo cap (varies)
Interest Rate TypeSimple interest in most casesOften compounding (varies)
Monthly Interest Rate Range2.95% – 3.4% 3% – 5% (varies)
Turnaround Times24-48 hours 5–7 days (typical)
Out-of-pocket fees to apply$0May charge fees (varies by contract)
Fee transparencyPayoff terms disclosed in writing before you signTerms/fees may be harder to compare (varies)
Customer servicePersonalized supportVaries
Unique FeaturesNationwide reach, funding buy-out optionsVaries

You don’t pay anything out of pocket. If your case doesn’t result in a recovery, you don’t repay the advance

What Makes Lawsuit Loan Rates “Good” or “Bad”

Simple interest vs. compounding

This is the biggest “hidden” cost driver in lawsuit loans.

  • Simple interest grows in a straight line. It’s easier to estimate your payoff amount.
  • Compounding interest can grow faster because interest can build on top of interest, depending on how the contract is written.

If you’re comparing lawsuit loan companies, don’t stop at the rate. Ask:
“Is the interest simple or compounding—and how often does it compound?”

That one question protects you from the “it looked affordable… until it wasn’t” scenario.

A repayment cap protects you when a case takes longer

Lawsuits can drag. Insurance companies stall. Defendants fight. Courts run on court time, not your time.

A repayment cap puts a limit on how long charges can grow.
Without a cap, the payoff can keep climbing the longer the case stays open.

If you’re searching “lawsuit loans near me” because you need breathing room, a cap matters because it helps keep the funding from swallowing your settlement.

Fees and “extras” can change the real cost

Some companies advertise a rate, then add fees later.

You want straight answers on:

  • application fees
  • underwriting fees
  • processing or origination fees
  • monthly “maintenance” fees
  • wire fees
  • contract add-ons

If the numbers change after you ask for the total payoff math, treat that like a red flag.

Turnaround time matters when rent is due

When you’re injured, timing isn’t a minor detail.

If you’re dealing with:

  • overdue rent or mortgage
  • car payments
  • utility shutoff notices
  • medical copays and prescriptions
  • missed paychecks

…then speed becomes part of the value. A faster decision and funding timeline can stop a bad month from turning into a crisis.

Cost of living changes the funding amount people request

Here’s something most companies don’t say out loud: funding needs aren’t one-size-fits-all.

A plaintiff in a high-cost state often needs more support to cover basics like rent, transportation, and childcare. In more rural states, the requested amount may be lower—but the stress can feel exactly the same.

Either way, you’re trying to solve the same problem: staying financially stable while your case moves forward.

Questions To Ask Any Lawsuit Loan Company Before You Sign

If you want to protect yourself, ask these questions word-for-word:

  • Is the interest simple or compounding?
  • Is there a repayment cap? If yes, what is it?
  • Do you charge application fees, processing fees, origination fees, maintenance fees, or wire fees?
  • Can I see a payoff example based on different settlement timelines?
  • Does my attorney review and approve the funding contract before funding?
  • Can I take a smaller amount now and request more later if needed? (if applicable)

If a company dodges these questions or rushes you, that’s your sign.

Disclaimer: This content is for informational purposes only and does not constitute legal advice. Pre-settlement funding is non-recourse and is repaid only from the proceeds of a successful settlement or verdict. Terms vary by case and are subject to attorney review and applicable state rules.

Lawsuit loans for plaintiffs

Need a lawsuit cash advance to cover your expenses while waiting for your settlement? Fund your case with Baker Street Funding and experience favorable terms that let you move forward without sacrificing your financial compensation.

Apply now
types of claims

Types of civil lawsuits Baker Street Funding supports.

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Types

Qualifying for a lawsuit loan: essential criteria.

See Criteria
Better funding

Maximizing Your Lawsuit Loan: funding factors.

See Factors

Your state, your funds—a guide to regulations.

We understand lawsuit delays can add uncertainty—rest assured, lawsuit loans are fully legal nationwide as non-recourse advances. Unlike traditional loans, they’re purchase agreements repaid only from your settlement, exempting them from acts like Truth in Lending in most states. 

At Baker Street Funding commit to fairness everywhere. We meet local rules in regulated areas and adopt federal guidelines voluntarily elsewhere, shielding you from hidden risks.

*Settlement loan availability and rules vary by state. Terms follow applicable state rules and attorney review.

Read More
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North East
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South East
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Midwest
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Southwest
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West
cases

Don’t let state-specific regulations delay your case. Protect your rights with tailored funding solutions and apply now for your lawsuit loan.

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Attorney review required.

Client testimonials: real stories of success with our lawsuit loans.

Explore firsthand accounts from clients across the country and see how we can help you too.

“Baker Street Funding definitely came through for my son during a difficult time. They are professional, yet listen to personal needs and respond accordingly.”

Ms. Lane

rates stars

Fast lawsuit funding when you need it.

Get fast, low-rate lawsuit funding with Baker Street. Call (888) 711-3599 to speak with a U.S.-based specialist and apply in minutes. No hidden fees, no commitment—just simple interest and transparent terms. Apply today and take control of your finances

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lawsuit loans with no risk

Lawsuit loan FAQ.

Yes, you can potentially borrow money against your future recovery through pre-settlement funding. This type of funding allows you to access cash upfront while your case is pending.

Pre-settlement funding, also known as a lawsuit loan or legal financing, provides you with a cash advance based on the estimated value of your lawsuit. The repayment is handled by your attorney, who deducts the agreed-upon amount from the resolution of your dispute through a court decision or settlement agreement.

Learn more about how pre-settlement funding works and how repayment is handled.

Here’s the timeline most people care about:

  • Your attorney sends the case documents** we need to evaluate your claim.
  • Decision usually takes 24–48 hours after we have the documents.
  • After approval, once you sign, funds can go out the same day if it’s before 4:00 PM ET, depending on bank wire cutoffs and your bank’s processing.

No, you must have a lawyer representing your case to qualify for a lawsuit loan. Your attorney must also agree to work with Baker Street Funding and sign the necessary documentation.

Learn more: The importance of attorney consent.

To qualify for funding, your case must have a minimum anticipated settlement value of $50,000. 

Cases with lower values might not be eligible for funding.

Learn more about the minimum case value required for a lawsuit loan.

Yes, your credit score and employment status do not affect your eligibility for a lawsuit loan. Baker Street Funding focuses on the strength of your case, not your personal financial history.

Learn more about how your credit and employment status don’t affect your eligibility for a lawsuit loan.

With a “no-win, no-pay” policy, you won’t be required to repay the loan if you lose your case.

Interest rates at Baker Street Funding range from 2.95% to 3.4% fixed, per month. A fixed interest rate on a lawsuit loan stays the same for the life of the loan. However, your rate depends on how complicated and risky your case is—stronger cases tend to unlock lower rates.

Additionally, we cap the interest rate after 2-3 years. So even if your case takes more than two or three years to resolve, you won’t face any extra interest charges. Our caps are designed to protect you from high costs to help you retain more of your financial compensation when it’s finally time to repay.

Learn more: Use our lawsuit loan calculator to estimate your costs.

No. You pay $0 out of pocket to apply. Repayment comes only from your settlement if you win.

Here’s a closer review of our terms and conditions:

InterestNon-compounding starting at 2.95% p/month
Loan protection2-3 year cap
Funding time24 hours
Average legal funding amounts$10,800
Funding amounts$1,500 up to $2.5mm
Type of loanNon-recourse
Workers’ comp eligibilityDepends on the state
Personal injury claim eligibilityYes
Civil rights case eligibilityYes

Reputable lawsuit loan providers, like Baker Street Funding, have transparent terms with no hidden fees, and no penalties.

Yes, depending on your case value and outstanding balance from your previous advance, Baker Street Funding may be able to consolidate your existing loan and offer a new one at a lower rate.

As your case progresses, Baker Street Funding may be able to provide additional funding. While not all cases support multiple advances, 80% of claimants that come back for additional funding requests get approved.

Learn more about our flexible funding options and how you can receive additional funding as your case progresses.

 

If you’re looking for other ways to cover expenses while waiting for your settlement, you might consider disability payments, insurance proceeds, or help from friends and family.

Traditional banks don’t offer lawsuit loans, but you could explore personal loans through your credit union or local bank.

Learn more: How to get money while waiting for a settlement.

Lawsuit loans can be a valuable financial tool for plaintiffs facing prolonged legal battles. By providing upfront funding, these loans can help alleviate financial stress and allow you to stay focused in the fight without losing sleep over your bank balance. With a ‘no-win, no-pay’ policy, you only repay the loan if you win your case. However, they do come with interest and fees, which can reduce your final settlement.

Before applying for a lawsuit loan, it’s important to consult with your attorney to discuss the potential benefits and risks. Your attorney can provide personalized advice based on your individual case and circumstances, helping you weigh the benefits and costs to determine if this option is right for you.

Learn more: Pros and cons of lawsuit loans.

FAQ's

How to Choose the Best Lawsuit Loan Provider.

Choosing the right lawsuit loan company can make a difference in the outcome of your case. Here’s how to find the best provider.

  • Reputation and Experience Approval. Pick a reputable funding firm known for its integrity and expertise in personal injury litigation. A strong reputation usually signals high-quality service.
  • Approval Speed and Efficiency. Time is of the essence in a personal injury claim. Opt for a lawsuit loan company known for fast processing, without any fuss.
  • Funding Costs Matter. Check for lawsuit funding companies that clearly reveal all interest rates and fees from the beginning. Go with someone who offers clear, no-nonsense terms with capped and non-compounding rates.
  • Legal and Financial Guidance. Have your lawyer review the fine print of your arrangement and borrow only what you need.
EXPAND

Check out our lawsuit loan articles.

If you are seeking to understand your funding options during a personal injury case, our resources provide some important insights to help you make the most informed financial decision.

Resources

Ready to get cash?

Get a lawsuit loan and cover your expenses while you wait for your settlement.

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