Examples of our low interest rates for lawsuit loan amounts

The following examples depict the monthly and total interest rates during the life of a $5,000 lawsuit advance. Your actual interest rate may be different than the rates in these examples and will be based on the term of your settlement, the risks of your case, and other factors. If you don’t win your lawsuit in the two or three-year mark, your interest rate will stop.

See our pre-settlement funding eligibility criteria to learn more about how you can get a loan on your lawsuit.

Fixed rate pre-settlement loans - noncompounding

Settlement Date	Plaintiff Rates	Total Payment
3 months	2.95% - 3.4%	$442.50 - $510
6 months	2.95% - 3.4%	$885 - $1,020
1 year	2.95% - 3.4%	$1,770 - $2,040
1 year 6 months	2.95% - 3.4%	$2,655 - $3,060
2 years	2.95% - 3.4%	$3,540 - $4,080
2 years 6 months	2.95% - 3.4%	$4,425 - $5,100

The interest rate of a lawsuit loan is the percentage of the loan principal that a lawsuit lender like Baker Street Funding charges for borrowing plaintiffs to access the loan funds upon approval. On average, our settlement loan interest rates range from 28% to 41% per year, but this varies depending on the case.

Calculate your loan with our lawsuit loan calculator

Check out our lawsuit loan calculator and learn the approximate cost of your loan for your case.

What impacts a low interest rate on a pre-settlement loan?

Pre-settlement funding rates are based largely on case risk. The clearer the path to recovery, the more likely a plaintiff is to qualify for a lower rate. Underwriters look closely at liability, damages, insurance coverage, case timing, and how much net recovery may remain after attorney fees, liens, and prior advances.

A lower rate is more common when the case shows strong liability, documented injuries, solid insurance coverage, and a realistic settlement outlook. A higher rate is more likely when the claim involves disputes, prior injuries, limited coverage, complex damages, or a longer timeline to resolution.

The amount requested also affects pricing. A larger advance increases the funder’s exposure, even when it represents only a small percentage of the estimated case value. In a high-value claim, 10% can still equal a substantial amount of capital. If the case underperforms, is dismissed, or resolves for less than expected, the funder may take a significant loss or lose the investment entirely. That is why larger advances can carry more pricing risk.

In the end, the question is how likely the case is to recover, how much it may recover, and how long that recovery may take.

Interest rates from the average funding company

On February 17, 2026, our team reviewed pre-settlement advances that we buy out for plaintiffs who need additional funding and a better legal funding partner. We found that the average annual rate on those existing advances was 60%.

Rates from other funders ranged from 3.5% per month with compounding interest for the strongest cases to 5.0% per month with non-compounding interest for more difficult claims. Those rates are much higher than many plaintiffs expect, even when they are presented as “low-cost” options.

Based on our analysis, Baker Street Funding’s average buyout rate was lower than the average rate on the prior advances we reviewed (21% every six months, or 42% APR.)

Apply for Low-Rate Pre-Settlement Funding

Call (888) 711-3599 or apply online to find out whether you qualify for low-rate lawsuit funding through Baker Street Funding.

Low rates with a cap

Many approved applicants qualify for competitive lawsuit loan rates, and every approved plaintiff receives a rate cap. Once that cap is reached, no additional charges are added beyond the maximum amount in the agreement.

Non-compounding pricing on most cases

A representative example of an average lawsuit advance is $15,000 for a plaintiff with a personal injury case involving surgery, priced at 2.95% monthly simple interest. Because the rate is non-compounding, charges are based on the original funded amount rather than added on top of prior charges.

A better option for prior advances

We also help plaintiffs buy out high-cost prior funding from other companies. In many cases, that gives the plaintiff a chance to move into a more transparent funding structure with a lower overall lawsuit loan cost.

Ready to apply for lawsuit funding?

Baker Street Funding offers non-recourse lawsuit funding nationwide for qualifying plaintiffs involved in personal injury, civil rights, mass tort and employment lawsuits. Apply now to see if you qualify for pre-settlement funding with clear pricing, capped charges, and fast service. Our lawsuit finance team is here when you need us.