Lawsuit Loans

 Avoid Financial Hardship During Your Pending Lawsuit.

Facing a personal injury lawsuit shouldn’t mean financial ruin. Our no-risk lawsuit loans provide the financial support you need to pursue your legal claim. Apply now and secure the funds you need to fight for what’s right.

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  • Benefit from our no-win, no-pay pre-settlement funding. You only pay us back if you win your case. 
  • We offer lawsuit loans without credit checks or employment verifications—your financial history doesn't define your future with us.
  • Get funds as quickly as the same day you're approved, tailored to your case's value.
  • No matter if it's $1,500 or $2,500,000, we've got you covered for up to 20% of your anticipated settlement. (*State regulations may impact funding amounts).

Apply now and get started.

Apply for a lawsuit loan with low rates starting at 2.95% monthly (simple), with a 3-year cap, and get funding in as little as 24 hours. With Baker Street Legal Funding, you can rest easy knowing you’re in good hands. 

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Are you an attorney looking for funding? Learn more 
Looking for litigation funding? Learn more

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

Beyond the terminology: understanding lawsuit loans.

While the terms “lawsuit loan,” “advance funding,” and “pre-settlement funding” may sound different, they essentially refer to the same type of financial product. These products offer cash advances to plaintiffs in exchange for a portion of their potential settlement or judgment, and legally, plaintiffs are not personally liable if they lose their case.

While there may be minor variations in terms and conditions among different providers, the core concept remains the same. The key benefits include:

  • Financial relief: Cover everyday expenses while the legal process is underway.
  • Peace of mind: Concentrate on your legal fight, not your wallet.
  • Non-recourse protection: Repayment is tied to the settlement outcome, meaning you only repay the loan, plus interest, if you settle or win your lawsuit. There’s no personal liability.

When choosing a company, however, it’s important to understand the terms, total cost of the funding, as well as repayment expectations, to make decisions that best fit your life circumstances.

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How do lawsuit loans work?

Lawsuit loans, also called non-recourse lawsuit funding, are offered by specialized lending companies. These companies assess the potential value of your case based on that assessment. The funding is intended to help you out during the legal proceedings, not to influence the outcome of your case.

You can obtain a lawsuit loan at various stages of your legal process. For instance, pre-settlement funding allows you to access money before your case is officially resolved. In contrast, a lawsuit settlement loan lets you borrow money against your pending settlement check or lawsuit judgment. 

Risk free legal funding

Here is how to apply.

process 1

Apply

Start by submitting an application online or by calling our toll-free number: (888) 711-3599. Provide basic information about your case and your attorney's contact.

process 2

Evaluation

Your representative and our underwriting team will work with your attorney to evaluate your case and determine eligibility.

process 3

Approval

After your loan is approved, you and your lawyer will get a non-recourse funding agreement to review and sign.

process 4

Receive Funds

Once the funding agreement is complete, you'll receive your settlement loan via bank transfer the same day or a check via FedEx the next business day. Most of our clients receive their money within hours of approval.

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Dealing with a personal injury lawsuit can be a real drag, but getting financial help doesn’t have to be. Our personal injury lawsuit loans, which we like to call your legal lifeline, are here to get you cash fast and without the headache. From start to finish, the whole process can take less than 24 hours.

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Lawsuit loans in every state

Here is how you can use your 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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Your state, your legal loan—a guide to regulations.

Lawsuit loans are legal in the United States, but they are largely unregulated and are not subject to the same regulations as traditional loans. Why? Because they are non-recourse purchase agreements, meaning, plaintiffs bear no responsibility for the debt beyond the compensation that is awarded to them. As a result, lawsuit loans are not subject to the Truth in Lending Act or the Fair Debt Collection Practices Act.

However, depending on the state, lenders may still be subject to certain state-level regulations governing the conduct of legal funding companies, which means consumer protections vary from one state to another.

No matter which state regulations apply, Baker Street Funding prioritizes fairness and transparency in consumer legal funding. We adhere to all local legal requirements in regulated states and voluntarily follow federal guidelines in regions with few or no specific regulations to protect you from unforeseen liabilities.

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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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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

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

Our risk-free lawsuit loans offer a range of benefits, including no-win-no-pay terms, flexible funding options, and personalized support. Apply now and enjoy the peace of mind that comes with financial stability.

Lawsuit loans available nationwide.

Our cash advances are available in 42 states across the country. Get money for your lawsuit wherever you are.

  • Fast Lawsuit Loans. Receive cash in as little as 24 hours to cover unforeseen bills and turn financial stress into relief overnight.
  • Personalized Support. Partner with a dedicated loan specialist committed to providing the personalized assistance you deserve throughout your entire case.
  • Customized Funding Plans. Whether you need monthly support or a lump sum, our customizable financing plans allow you to choose the agreement that works best for you.
  • Extra Funds for Unexpected Costs. There's no limit to the number of times you can apply for our settlement loans. Simply call your dedicated specialist to request additional cash.
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24 hour funding

Low interest rates starting at 2.95%.

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).

  • Settlement Protection with Rate Caps. For greater predictability, you won't be charged any additional costs after the first two to three years, regardless of how long your case lasts.
  • Consistent Funding Costs. Your APR (Annual Percentage Rate) or 6-month interval stays locked in for the entire loan term, so you know exactly what to expect. 
  • Referral Discounts. Want an even lower rate? Ask your attorney to refer your case to us. Some of our clients have seen savings as high as 22% annually. We can help you save hundreds—or even thousands— of dollars on interest.
  • Loan Buyout Options. Unhappy with your current funding costs? We can match or buy out your existing settlement loan and offer you a better consolidated rate. 
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lawsuit loans with low interest rates

Transparent terms you can trust.

Experience fair dealings in every interaction. No hidden fees, no penalties, no upfront costs, and a surprise-free journey to securing your financial needs with ease.
  • Ethical Practices. Unlike other lenders, we never engage in soliciting or harassing calls to secure your signature on our contracts.
  • Cancellation Rights. Had a change of heart? Enjoy the flexibility to terminate your lawsuit loan agreement within 5 days.
  • Privacy-First Protection. Trust in our absolute discretion with all your sensitive information. Every aspect of your case and financial dealings remains secure and confidential with us.
  • No Quid Pro Quo. We do not pay or accept any commissions or other forms of compensation for referrals from attorneys or their employees. Our commitment to our clients remains our top priority, and we strive to provide the best possible service without any conflicts of interest.
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No hidden fees

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. In a legal fight, the repayment of a loan should be the least of your problems. With Baker Street Funding, if you don’t get a settlement or court award, you don't pay us back. It’s that simple.
  • No Income or Credit Checks, Total Freedom. Don't let a bad credit score or lack of income documentation deter you. Our lawsuit loans are designed with inclusivity in mind, irrespective of your financial past.
  • Full Asset Protection. Say goodbye to the fear of growing debt, or losing your assets. No matter how your case turns out, your personal property, and credit score stay safe and sound.
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No risk pre-settlement lawsuit funding

Choose the right lawsuit loan company to help you avoid predatory lending.

Pre-settlement advances from the best lawsuit loan companies in the United States help avoid the pitfalls of funding your case through predatory lenders. The best pre-settlement loan companies can close a transaction for you in as little as 24 hours. Being recognized as the best lawsuit funding company nationwide, Baker Street Funding prioritizes transparency and helps you find the right cash advance fast. 

 

 Baker Street FundingOther Lawsuit Lenders
Funding Amount Range$1,500 – $2.5MMUp to $250,000
Cap3-year capNo cap
Interest Rate TypeSimple interest2.95% – 5% (compounding)
Interest Rate Range2.95% – 3.4%3% – 5%
Turnaround Times24-48 hours5 – 7 days
Contract TermsCosts as advertisedMay have hidden fees or additional charges
Customer servicePersonalized client supportN/A
Unique FeaturesNationwide reach, loan buy-out optionsN/A
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 proceed with your lawsuit without sacrificing your financial compensation.
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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

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Secure your financial future today – apply for a lawsuit loan.

Applying for a lawsuit loan with low rates and transparent terms is a breeze with Baker Street lawsuit money lender. Simply call (888) 711-3599 to speak with one of our U.S.-based funding specialists, and your application can be completed in minutes.

Unlike other pre-settlement funding companies, we charge only simple interest. Know upfront the maximum you might owe, with no hidden fees. Your application carries no commitment until a contract is signed. Apply today for fast lawsuit cash advance approval.

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lawsuit loans with no risk

Lawsuit loan FAQ.

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.

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.

Yes, you can borrow money against your potential lawsuit settlement through a pre-settlement funding agreement. 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.

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.

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.

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.

Reputable lawsuit loan providers, like Baker Street Funding, have transparent terms with no hidden fees, and no penalties. 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 loan amounts$10,800
Funding amounts$1,500 up to $10mm
Type of loanNon-recourse
Workers’ comp eligibilityDepends on the state
Personal injury claim eligibilityYes
Civil rights case eligibilityYes
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 lender 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 lenders 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 lending arrangement and borrow only what you need.
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The Power of Lawsuit Loans: Securing a Fair Settlement.

Studies suggest that defendant’s insurance companies often use delay tactics to increase financial strain on plaintiffs, and minimize their legal expenses. These delays result in plaintiffs settling cases sooner, for less. Source: (Miceli, 1999; Feinman, 2008; Hubbard, 2018).

Plaintiffs often rely on legal funding to cover living expenses while waiting for their case to settle. A lawsuit loan can also help you avoid under-settling due to financial hardship, ultimately giving your attorney more leverage to negotiate a fair settlement and avoid unfavorable civil or insurance compensation terms.

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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 started? It’s easy.

If you’re currently involved in a lawsuit, then you know that waiting for your settlement money can seem miles away. Legal proceedings can drag on, leaving you in a financial limbo where bills pile up and your savings dwindle. But you don’t have to let financial uncertainty dictate the outcome of your lawsuit. With Baker Street Funding, you can secure the much-needed funds today, and focus on winning your case. 

Apply now to discuss how we can help you in this difficult time. And remember, if your lawsuit doesn’t pan out, you’re not on the hook for repayment. That’s right, if the victory isn’t yours, the lawsuit loan disappears into thin air. So why not give yourself the upper hand?

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Select a legal funding service to get started. 

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Lawsuit Loans

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Personal Injury Loans

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Settled Case Loans

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Or just call us at 888.711.3599 to apply.