Learn More About Legal Funding With Uplift
We give lawsuit loans to plaintiffs in need. Unlike traditional loans, lawsuit loans come with no strings and no spending restrictions. We advise our clients to only take what they need for living or medical expenses.
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What is Legal Funding?
Legal funding is an advance against the expected proceeds from a legal claim. Typically, legal funding is structured as a non-recourse purchase of equity. The legal funding company is repaid (with interest) only if the underlying claim is successful.
Our Low, Simple Rates
At Uplift Legal Funding, we exclusively charge simple, non-compounding rates. We frequently offer rates as low as or lower than 17.5% semi-annually. We can give you an instant, guaranteed quote on your case on your first call.
You can even use our lawsuit loan calculator to see how much legal funding from Uplift costs over time.
Legal funding is only repaid from your settlement. Because legal funding is non-recourse (only pay if you win your case), regulation is different from normal loans. Unfortunately, many lawsuit loan companies can get away with charging high, compounding rates or ridiculous fees.
Do I Qualify for Legal Funding?
Qualifying for pre-settlement legal funding with Uplift Legal Funding depends on three factors:
- Quality of your case
- Stage of your case (how long has your attorney been pursuing the case?)
- Your attorney’s cooperation
Getting approved for pre-settlement legal funding
Uplift case managers evaluate each application on a case-by-case basis. Give us a call to see if you qualify in as little as 2 minutes!
Injured plaintiffs are often forced to settle quickly for less than their case is worth. At Uplift, we think that is wrong. Our mission is to help you have enough to get by while the case settles for what you deserve.
No two cases are alike. Uplift case managers review documentation provided to us by your attorney. We do this quickly and efficiently given our industry experience and expertly trained underwriters. Generally, the higher the case value, the more you qualify for.
Once approved, we can get the funds to you within 24 hours.
We work with your attorney
Uplift can only fund you after our case managers have reviewed documentation pertaining to your personal injury case. The faster your attorney cooperates with our case managers, the quicker we can get you the settlement loan you need!
Learn More About Lawsuit Loans
Repayment entirely depends on the success of your case. You will never have to pay anything back if you do not win.
If you take out lawsuit settlement loans and win your case, your attorney will pay back the advance when he/she distributes the settlement.
This means that there is no reason to check credit or employment status. The only things that matters are the quality and value of your case.
Because the process is so simple, it usually takes no more than a week to get a legal advance from most reputable settlement loan companies. Uplift offers funding in 24 hours for most claimants.
To learn more about low-cost funding from Uplift, visit our legal funding guide.
The first step to getting a lawsuit loan is learning. Learn about what a fair rate is (ask your law firm). Learn about the benefits, potential risks, and costs associated with lawsuit funding. Below are a few excellent resources for plaintiffs. We have done our best to make these informational and helpful to plaintiffs and promise they will save you time, stress, and money.
- Lawsuit Funding – How it Works
- How do I Choose a Lawsuit Funding Company
- Pros and Cons of Lawsuit Loans
Understand your case and its value
You wouldn’t sell a used car without consulting Kelley Blue Book, don’t get pre-settlement funding without understanding case value. Consult your attorney. If your case has very clear liability and high damages, you should not settle for a compounded interest rate nor the usual fees other companies put on your contract. Knowing the strength of your case will give you leverage when you negotiate the terms of the advance.
Lawsuit settlement loans can be expensive, but with Uplift Legal Funding they don't have to be
And don’t let anybody tell you otherwise. A settlement advance is an investment in your case. Because it is not a loan, some funding companies charge extremely high rates and fees.
Always weigh other options before choosing a legal advance. Pre-settlement loans should be a last resort as they can take a large chunk out of your eventual settlement.
A lot of lawsuit cash advance companies charge whatever rate they want. There is little oversight of their rates and fees because legal funding is not a loan.
What to look out for
- Large upfront fees - we charge $0 in upfront fees
- Compound interest - we only charge simple, non-compounding rates
- Unclear contracts - our contract meets or exceeds industry standard disclosure requirements - we have a payoff table and clear terms on the front two pages
- Rude employees - our staff is knowledgeable and friendly - we keep you informed while processing your request
At Uplift, we have a rate match guarantee. Send us a contract from another company, and we will beat it.
Taking out a lot of legal funding can impact your settlement
Lawsuit cash advances are always costly, no matter which company you get them from. If you take too much money out, you will regret it later.
Remember to only take what you need, not the maximum you qualify for. You will thank yourself later when you get a larger portion of your settlement back.
Uplift Legal Funding offers installment options for your monthly needs. We can help you make a funding plan so you don't have to take out a large amount upfront.
Not all cases qualify
Some cases are easy for settlement loan companies to review. Some are very difficult. The more complicated your case is, the less likely you will qualify for funding.
Some lawsuit loan companies only offer car accident lawsuit loans. Ask the funder how often they work on your type of case to save you time.
Uplift covers most cases, from car accident loans to medical malpractice to employment claims.
It can be tough to find good, honest legal funding companies
It really is tough to find an honest lawsuit loan company. At Uplift Legal Funding, we strive to be the “good guys” of the litigation funding industry.
How Lawsuit Loans Help Plaintiffs
While there are some clear drawbacks to getting large lawsuit loans, the benefits can easily outweigh the costs if you need the money. Uplift is a reputable company that strives to be on the plaintiff’s side. Working with us helps reduce a lot of the usual costs and difficulties associated with traditional lawsuit loans.
Help cover living or other expenses
A settlement loan has no spending restrictions; you can use them for medical bills or living expenses.
If you have been injured, are out of work, and really need the money, legal funding can be a life saver.
Whether you need the money to cover rent, a mortgage, tuition, or anything else, having the extra cash in a time of need can be a breath of fresh air.
Peace of mind
Personal injuries are stressful. Lawsuits are stressful. Legal funding can help relieve the financial burden your injury has placed on you by enabling you to get back to life as usual. Sometimes, this alone can be worth more than gold. Being freed from financial woes can help you focus on what’s important – your recovery.
There is no repayment unless you win your case. If you lose the case, you will not repay a cent of the money advanced to you by a lawsuit funding company. If you win your case, your law firm will pay us back from your settlement proceeds.
Help you fight against early settlement pressure
Insurance companies know your injury has impacted your finances. Often, they try to take advantage of this by settling early for less than your case is worth.
Personal injury case loans can help you get a better settlement if you would otherwise have needed to settle early to cover bills and living expenses.
An advance on your settlement can give you bargaining power against the insurance company because your attorney will be able to spend more time seeking the full value of your case.
No credit or employment checks and a fast, easy process
Settlement advances on your lawsuit are not actually considered loans. Unlike traditional lending companies, lawsuit funding companies do not check credit or employment history. Because there is no personal liability for the money borrowed, all that matters is the quality of your case.
If your attorney can quickly supply the requested information, you should be able to get approved fast. If your attorney has sent across the required information, and a company is taking too long, look somewhere else.
Pre-Settlement Lawsuit Loan FAQs
A lawsuit loan is a non-recourse cash advance on a pending claim. You only pay back a lawsuit loan if your claim is successful.
Lawsuit loans help injured plaintiffs pay for bills while awaiting settlement.
Lawsuit loans are different from traditional loans because you have no personal liability to repay the loan. If you win your case, your attorney will give us the portion of the settlement we are due. If you lose your case for any reason, the money is yours to keep – no strings attached!
This is called “non-recourse” funding. Many plaintiffs find this helpful because they are unable to cover expenses while injured and perhaps out of work. It is tough to know how long it will take to reach a fair settlement, so it is important to find litigation loans with the lowest rate possible.
We never check your credit or employment history because you are not personally liable to repay lawsuit advances. This makes the process relatively quick compared to traditional loans.
Review for approval is based on the estimated value of your personal injury case, and we can generally offer up to 10% to 15% of that value upfront.
We provide pre-settlement lawsuit loans on nearly all personal injury cases. In short, three aspects qualify you for lawsuit loans:
1. You were injured in an accident that was not your fault
2. You are above the age of 18
3. You have hired an attorney to pursue your claim
To get pre-qualified, apply online or give us a call toll-free at (800) 385-3660.
We only ask you for basic details like your first name, last name, claim type, state, and attorney's contact details. We will give you a call for a free consultation and get the rest of your case info from your law firm.
If you’re qualified for funding on your case, Uplift will reach out to your attorney to collect information and determine approval. Approval for financial assistance depends on the following factors:
1. Liability – who was at fault for the accident? If you were not at fault for the accident or mostly not at fault, this shouldn’t be an issue.
2. Damages – what injuries do you have as a result of the accident? If you have clear injuries resulting from your accident, you have clear recoverable damages.
3. Insurance coverage – is there a good insurance policy to go after? Most of the time there is. Insurance coverage is usually indicative of the maximum value of your claim.
In short, liability, damages, and insurance coverage are the main aspects pre-settlement funding companies review to determine approval on your claim.
Uplift is a nationwide provider of pre-settlement and post-settlement funding. There are only a few states that we cannot fund.
For a full list of states we fund, check our states page. If we can’t help you because we can’t fund in your state, we will always try to point you in the right direction to a company that can.
Lawsuit loans from Uplift Legal Funding range from $500 – $1,000,000+. We can advance up to a maximum of 15% of the value of your case pre-settlement. For settled cases, we can offer larger amounts.
Typically, we counsel clients to think about this question in a different way: “How much cash do I need?.” Lawsuit funding is not cheap. At Uplift Legal Funding, you’ll always get low, simple rates, but we ask that you do your best to limit the amount of funding you get over the course of your case.
Do your best to cut expenses as much as possible and only take what you need – you’ll be glad when you get a larger settlement later.
Uplift Legal Funding offers wire transfers and direct deposit to major banks, Western Union, and overnight checks.
Electronic options get you same-day funding. The overnight check gets you funds within 24 hours of approval.
We work with you to get the money, and we never charge up-front fees. We do not require you to have a bank account.
At Uplift Legal Funding, we focus on helping plaintiffs. We put all terms on the first page of our contract and always include a schedule that shows in dollar terms how much is due at any given date.
We require your attorney to review and sign your funding contract. We are very happy to answer any questions you or your attorney have.
Don’t sign an unclear contract! Learn about your case and the funding industry before you get a loan.
If you lose your case, remember that you are not personally liable to repay a cent. The money is yours to keep.
Unlike other lawsuit loan companies, Uplift Legal Funding has a no-obligation process and charges ZERO upfront fees to review your case for funding.
Let’s set the record straight on this one. You technically never pay back pre-settlement funding. If you win your case, your attorney pays us the amount we are due from settlement proceeds.
If you lose your case, neither you nor your law firm pays a dime!
Case advances can be expensive, but they do serve to take some risk out of your case by giving you an upfront payment.
Unlike many other legal funding companies, Uplift Legal Funding is on the plaintiff’s side. We understand that having a personal injury is tough. Insurance companies use this so you settle quickly for far less than you deserve. Just like your attorney, Uplift is here to level the playing field between big insurance companies and plaintiffs.
The Uplift Legal Funding Guarantee
If you’ve spoken to other lawsuit cash advance companies in the industry, you understand that they can be very unfriendly and even rude to clients.
We are different.
At Uplift Legal Funding you will get the help you need with the service you deserve.
We urge plaintiffs to take a less-is-more strategy when it comes to legal funding. Take only what money you need at low rates, with no upfront fees.
See More Resources for Plaintiffs and Attorneys on Our Blog
- Best and Worst States for Aspiring Lawyers: An OverviewA recent study commissioned by Uplift Legal Funding has pinpointed the top and bottom states for upcoming lawyers, evaluating factors like education expenses, employment opportunities, academic performance, and general well-being. Table of Contents show 1 Highlights 2 Study Overview 3 Top Performing States 4 Lowest Performing States 5 Sources Highlights Study Overview Uplift Legal Funding … Read more
- Personal Injury Loans | Financial Lifeline for Injured PlaintiffsTable of Contents show 1 Personal Injury Cases We Fund 2 Why You Should Consider a Personal Injury Loan 3 When to Get a Personal Injury Loan 4 How Personal Injury Loans Work 5 The Pros Outweigh the Cons 6 What to Consider When Applying for a Personal Injury Loan 7 Personal Injury Loan Requirements … Read more
- The Beginner’s Guide to Settlement Financing in 2022Settlement funding goes by many names, including pre-settlement funding, lawsuit loans, legal cash advances, and litigation financing. Table of Contents show 1 What Is Settlement Financing? 2 Who Might Need Settlement Financing? 3 How Does Settlement Funding Work? 4 How Does Settlement Financing Differ from a Bank Loan? 5 What If Your Case Settles for … Read more
- How To Get Your Settlement Money EarlyIf you are under financial duress while waiting for a personal injury settlement, you may have wondered how you can access settlement money early. Table of Contents show 1 How Can You Access Your Settlement Funds Early? 2 Why Do Plaintiffs Need to Access Settlement Funds Early? 3 What Is Pre-Settlement Funding? 4 How Pre-Settlement … Read more
- Pre-Settlement Funding Without My Attorney’s ConsentIf your personal injury claim is dragging on and you are faced with mounting medical bills at the same time as losing income, you may be considering pre-settlement funding. If so, you might be wondering whether you can get a lawsuit loan even if your attorney doesn’t agree with this decision. Table of Contents show … Read more