Car Accident Loans Made Simple: Get Quick and Easy Funding After an Accident


With Uplift, you don’t have to choose between low rates and fast funding when you get a car accident loan

We give you both.

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    Car Accident Loans from Uplift Legal Funding

    Car accident lawsuit loans help plaintiffs get back on their feet before their case settles

    Uplift Legal Funding offers low-cost car accident loans with simple rates to plaintiffs nationwide. We are able to approve cases as soon as the same day of the auto accident and offer several same-day and overnight options for delivering your funds.

    The physical and economic damages caused by a car accident can be severe. Some personal injury claims can take years to resolve. If you are unable to work after your accident, lawsuit loans can help. Uplift helps plaintiffs get by financially before their case settles.

    If you’re the victim of a car accident and need money for living expenses, apply online, or give us a call anytime at (800) 385-3660.

    How car accident loans work

    Step 1 - Apply Online or Call - get your lawsuit loan application started in minutes

    1. Apply Online or Call

    Get started in minutes – apply online or call us at (800) 385-3660.

    Step 2 - We Review Your Legal Claim - Uplift Legal Funding contacts your attorney and reviews your case

    2. We Review

    We contact your attorney and review your accident claim. This only takes a few hours.

    Step 3 - You Receive Funds - Uplift Legal Funding provides pre-settlement lawsuit loans as soon as the same day you apply

    3. You Get Cash

    You and your lawyer review and sign our agreement. We send your funds the same day!

    As featured on

    Get $500 to $250,000+ as soon as today

    Can I really get a car accident loan in less than 24 hours after the accident?

    The short answer is a resounding yes – Uplift Legal Funding offers 24-hour lawsuit loans to plaintiffs nationwide.

    The long answer… is still yes. However, we do need your attorney’s help to move the process of getting a loan after the accident along.

    How do we do it? Basically, when you apply with Uplift Legal Funding for a loan on your car accident settlement, we immediately email and call your legal attorney. Our email contains a basic information request regarding the accident claim. When we call your attorney, we try to discuss this information with them over the phone as well.

    If we can speak with your attorney over the phone, we can sometimes approve your case in a matter of hours. If we can’t reach your attorney via phone, we can still get your accident loan processed within 24 hours as long as your attorney provides information via email or calls us back to discuss the vehicle accident case.

    For requests less than $10,000, our review process for the loan takes minutes – not hours. For requests of more than $10,000, our review process can take a few hours. In any case, the primary hang-up on most requests is getting documents and information from the legal office. To help with the turnaround time, always let your attorney know that you’ve applied with Uplift Legal Funding and give them consent to provide any information we need for a review of your case.

    How much does a car accident lawsuit loan from Uplift Legal Funding cost?

    Uplift Legal Funding is dedicated to providing clear information about the costs of pre-settlement lawsuit loans and post-settlement loans. A representative can provide you with an instant quote on the cost of automobile accident loans during your first call with us.

    In general, Uplift Legal Funding provides simple, non-compounding rates on the car accident loan for as low as 15% every 6 months. Click here to check out our lawsuit loan calculator and see how much a car accident loan will cost based on your requested advance amount. The car accident loan calculator also gives you an idea of how Uplift Legal Funding compares to typical competitors who use compounding interest rates on their loans instead of simple interest rates.

    Car accident settlement loans can be immensely helpful after an accident if used correctly and in moderation. For interested plaintiffs, Uplift Legal Funding is proud to offer rolling monthly contracts to cover ongoing expenses for the duration of your lawsuit.

    Get Risk Free Funding For Living Expenses

    Legal funding and loans on your car accident claim can provide quick and easy financial relief. The funds are yours to spend as you wish, but most plaintiffs use the money to fund daily living expenses after the accident, such as:

    • Medical bills
    • Legal fees
    • Rent payments
    • Car payments
    • General living expenses

    Best of all, pre-settlement auto accident loans from Uplift Legal Funding are 100% risk-free. You repay nothing if you lose the case. If for any reason, your accident claim case falls through without settlement, Uplift will allow you to keep the money free of charge.

    Qualifying for car accident settlement loans

    Learn more about what qualifications we require for car accident loans

    All types of vehicle and traffic-related lawsuits qualify for auto accident loans. Injury due to the negligence of another driver automatically pre-qualifies you for legal funding from Uplift.

    To qualify for a car accident cash advance, you must be over the age of 18, have hired a legal attorney on a contingency basis, and have a valid legal claim against an insurance company or self-insured entity.

    Bodily injury and other types of damages are necessary in order to estimate the value of a potential accident lawsuit settlement. The value of your traffic accident settlement is directly related to your damages. Assuming there is enough insurance coverage, if you have serious injuries, you are likely to qualify for more funding and loans.

    There are many types of auto accidents that will qualify you for funding, but the most common fund types include:

    How do loans for a car accident work?

    Step 1 - Apply Online or Call - get your lawsuit loan application started in minutes

    1. Apply Online or Call

    Get started in minutes – apply online or call us at (800) 385-3660.

    Step 2 - We Review Your Legal Claim - Uplift Legal Funding contacts your attorney and reviews your case

    2. We Review

    We contact your attorney and review your case. This only takes a few hours.

    Step 3 - You Receive Funds - Uplift Legal Funding provides pre-settlement lawsuit loans as soon as the same day you apply

    3. You Get Cash

    You and your lawyer review and sign our agreement. We send your funds the same day!

    Processing your car accident lawsuit loan request - how does it work?

    First, give us a call or apply online. Once we have your information, we will reach out to your law firm to get some basic case info regarding the auto accident. Based on the feedback from your law firm, we can estimate a conservative settlement amount. A typical pre-settlement car accident loan can range from $500 to $250,000. The higher your case value, the larger the car accident lawsuit loan you can get.

    Getting a car accident loan through Uplift Legal Funding is not only fast- but also easy. We have quality service and friendly staff standing by for a free consultation on your auto accident loan.

    We understand the challenges you face during an injury lawsuit and have made our application and approval processes for loans quick and easy. Accident victims often have to experience red tape at various levels during the claim process.

    That’s why we avoid time-consuming paperwork and get you the lawsuit cash advance that you badly need to put your life back on track.

    We never check your credit score or current employment status. All that matters is the strength of your motor vehicle accident case.

    When you submit the application for a car accident loan, we work tirelessly to get your funds as fast as possible. In many cases, we can offer same-day advances for auto accident loans. Call a friendly representative at (800) 385-3660 or apply online today!

    Benefits and costs of pre-settlement vehicle accident loans

    Benefits of loans for a car accident

    Benefits and Costs of Car Accident Loans

    There are many benefits to pre-settlement auto accident loans. Sometimes, accident victims are in bad financial shape after an injury. Our funding can help you get higher settlement values from insurance companies by not settling early. It will also ease the stress of financial hardship.

    We never check your credit and don’t care about your employment history because there are no monthly payments for accident loans. For settlement funding, all that matters is your case.

    Because lawsuit cash advances are non-recourse, lawsuit cash advances are a risk-free way to take equity out of your auto accident settlement. You get upfront cash, and if you lose your personal injury case, you pay back nothing.

    We also handle most of the process with your attorney – all you have to do is apply – and your attorney has to sign (and therefore review) your funding contract.

    Our clients typically use accident funding for the following reasons:

    • Cover living expenses
    • Cover additional medical expenses
    • Mortgage payments
    • College / school payments
    • Child support
    • Rent payments
    • Past-due bills

    A car accident loan can be very helpful if used responsibly. Pre-settlement funding can be expensive in general, and it is important that you understand this before signing anything.

    Costs of loans for a car accident

    Though car accident settlement loans do help many personal injury plaintiffs, there are large costs to taking a lawsuit loan.

    Because these loans are non-recourse (no personal guarantee to pay back), they are very expensive. Because of the risk involved (if your case doesn’t settle, we get nothing), funders often charge very high rates.

    Also, many plaintiffs tend to take out a larger car accident cash advance than they need. It is important to only take exactly what you need and nothing more. With some companies, any money you take out could cost you more than double at settlement time.

    One of the best ways to get an idea of what an auto accident loan actually costs is to learn about why compound interest can be dangerous and do the math.

    At Uplift, our team reviews tons of auto accident lawsuits. This experience ensures you a better rate on accident settlement loans than competing funding companies.

    Common types of auto accident collisions

    Uplift proudly provides car accident settlement loans on all kinds of accidents, from fender benders to severe commercial vehicle accidents. We do require that your claim is against an insured party or a driver who has a policy with an insurance company. Below is a list of the most common types of accidents we provide funding on:

    Car accident lawsuit loan FAQs

    Car Accident Loan FAQs

    Uplift is committed to helping plaintiffs make the right decisions when it comes to car accident settlement loans. We’ve compiled an accident loan FAQ with the most common questions about accident loans. To learn more about your car accident lawsuit specifically, check out our auto accident lawsuit FAQs.

    What are car accident loans?

    Car accident loans are a contingent advance against the proceeds from your case. Unlike typical loans, a car accident loan is not repaid if your case is not successful.

    Why choose Uplift Legal Funding for a car accident loan?

    Uplift Legal Funding specializes in auto accident loans, and we offer some of the lowest rates in the industry. We have a fast and easy application process – it only takes one minute to apply for accident loans. We work directly with your auto accident attorney to get you the funding you need.

    Our goal is to get you approved within minutes of speaking with your legal attorney. Keep in mind that a car accident settlement loan from Uplift Legal Funding is 100% risk-free. This means that in the event you lose your case, you repay nothing.

    How long do car accident loans take to process?

    In many cases, a car accident cash advance can be arranged same-day. Uplift needs the help of your personal injury lawyer to make that happen.

    At Uplift, we understand the urgency of your auto accident loan request, and we try our best to get all plaintiffs funding within 24 hours or less. In some cases, we can provide funding within minutes of talking to your attorney.

    How do I qualify for a pre-settlement car accident loan?

    Approval for car accident lawsuit loans typically involves three factors:

    • Liability – who was at fault for the accident?
    • Damages – what medical, economic, and other damages have you sustained?
    • Insurance Coverage – which insurance carrier is liable, and how much coverage do they have?

    Legal funding companies can typically review your case during a short phone call or email correspondence with your attorney.

    How much cash can I qualify for?

    We provide car accident loans as small as $500 and up to $250,000.

    After reviewing your case (liability, damages, insurance, and previous advances), we determine a value for your case. We can usually advance up to 15% of the total value of your vehicle accident case.

    How does a legal funding company assess the value of my car accident claim?

    The value of an auto accident claim is not black and white. Determining this value involves looking at various factors, including the nature of the injuries as well as the economic losses sustained from the accident. The amount given to these factors is a result of a thorough look at the car accident injury, medical records and history, medical treatments, and talking with the plaintiff’s physician.

    Another determining factor includes the validity of the claim. Is there enough evidence that points to the negligence of the defendant? The more evidence there is, the more value is placed on the claim.

    What is the interest rate on an auto accident cash advance?

    Legal funding costs vary from company to company and case to case. Some companies are very expensive. According to NOLO, funding companies charge 27% and 60% per year. This is true of some reputable companies, but others charge as much as 500% in one year! 

    At Uplift Legal funding, we charge rates as low as 15% every 6 months with simple interest (no compounding).

    Is a “car accident loan” really a loan?

    Even though they are similar to loans, a car accident loan is not really a traditional loan. The main reason that they are not really loans is that litigation funding is contingent or non-recourse, meaning that you do not pay anything back if you do not win your case.

    Because loans on your car accident settlement are “no-risk” or “no-win, no-pay” – they do not qualify as loans in most states.

    Do I need to have an accident attorney to qualify? What part does my attorney play?

    To qualify for an auto accident loan, you must have hired an attorney on a contingency basis (no-win, no-pay).

    Your attorney helps us review your case by providing relevant documentation and information. Your attorney is also in charge of paying back your advance if your case settles favorably.

    Can your lawyer give you a loan?

    In some states, lawyers are legally and ethically allowed to advance money to their own clients. Many states forbid lawyers to charge interest on these advances, so this can actually be a much cheaper way to cover living expenses.

    Though attorneys may be allowed to provide funding, many lawyers do not do so because this can complicate the attorney-client relationship.

    Can I get a loan on a car accident settlement?

    Yes, you can! Many companies provide pre-settlement funding to injured plaintiffs. At Uplift Legal Funding, we offer both pre and post-settlement funding. Unlike most companies, we charge low, simple rates with no compounding. Give us a call today to learn more about your legal funding options.

    What can I use the money from my pre-settlement auto accident loan for?

    The best part of lawsuit funding is you can use it for whatever expenses you may have. Lawsuits against insurance companies can take time. While waiting, you’ll still be responsible for day-to-day expenses even if you are out of work. Below are just a few examples of what you can use the accident loan for:

    Are car accident loans right for me?

    If you are out of work due to your injuries and short on cash, an accident loan may be right for you. It is important to take only what you absolutely need to cover important living expenses while waiting for your claim against the insurance company to settle.

    What are common injuries after a car accident?

    Common injuries sustained in a car accident can range from soft-tissue injuries to serious, permanent injuries. Treatment can range from chiropractic care to serious surgeries. At Uplift Legal Funding, we have experience reviewing car accident claims arising from the following common car accident injuries:

    • Soft-tissue injuries
    • Bone fracture
    • Traumatic head and brain injury
    • Herniated disk
    • Soft tissue or crush injury
    • Burn injury
    • Disfigurement and scarring injury
    • Amputation
    • Spinal cord or back injury
    • Wrongful death (a loved one’s death)
    • Loss of consortium

    How do I get a car accident cash advance on my case?

    There are only four steps that stand between you and your cash advance:

    1. Apply – apply for an accident loan on our website
    2. Uplift contacts your accident lawyer – we contact your attorney to collect information on the case
    3. We review – we review the case documents provided by your lawyer
    4. Get cash – we send you your cash advance within 24 hours of applying

    This entire process can happen in as little as 24 hours. We want to make sure accident victims are confident and comfortable, so we keep you informed about each step we take during this process.

    Do I need to find a funding company that provides car accident loans near me?

    You do not need to find a funding company in your area. Uplift Legal Funding provides funding nationally and offers a completely paperless process:

    • Online or phone application
    • Emailed document requests to your attorney
    • E-signature for you and your lawyer
    • Wires and Western Union for delivery of funds

    How many auto accident settlement loans can I get?

    There are really two answers to this question.

    You can technically get as many advances as your case value will support. If you have a strong case, you can qualify for a large amount or many smaller advances.

    However, you cannot get many advances with different lawsuit loan companies. While it is always possible to refinance your existing pre-settlement advance, the new company must “buy out” the prior company.

    How will I get my money from my pre-settlement accident loan?

    Uplift offers two paperless and one paper method of receiving your funds.

    The two paperless options are direct wire to your account and Western Union. We also offer overnight checks as a backup option.

    Uplift advises that you opt for either the direct wire or the Western Union options. This is so you can get your cash as quickly as possible. If you do not have a bank account, please opt for a paper check or Western Union. You can cash Uplift checks for $7 at any Wells Fargo location.

    What other types of loans and financial assistance are available after a car accident?

    Before applying for pre-settlement loans, we encourage plaintiffs to try other options. Here’s a list of ideas to get you started:

    1. Establish or change your budget – the first thing to do is to get on track with a responsible budget that will see you through to the conclusion of your case
    2. Borrow from friends or family – if you can do this with no interest, this is always the best, but not necessarily the easiest option
    3. Take a personal loan from your bank – if you have good credit, this could be a great option
    4. Tap your home equity – if you own property, it is possible to take equity out of your house. This might be tough to swallow, but it comes with remarkably better rates and terms than legal funding.
    5. Ask your lawyer – in some states, lawyers are allowed to lend money to clients as long as the loans have 0% interest.

    Uplift Legal Funding

    Uplift Legal Funding offers financial support to plaintiffs involved in ongoing lawsuit settlements. We offer fast and easy pre-settlement car accident loans with low rates to plaintiffs nationwide.

    We offer a lowest rate guarantee for your car accident settlement loan (call for details). That means we will beat any contract a competitor offers.

    Contact us at any time toll-free. Our phone number is (800) 385-3660 or apply online today!

    Read more about car accidents and car accident loans

    Managing Member at Uplift Legal Funding
    Jared Stern is an experienced financial professional with six years of experience in the pre-settlement funding industry. After graduating from UC Berkeley with a degree in economics in 2014, Jared began his career in Morgan Stanley's mergers and acquisitions investment banking division. After working with another pre-settlement funding company for two years, Jared founded Uplift Legal Funding in 2017 to give injured plaintiffs a better choice in lawsuit loans. Check Jared out on: LinkedIn | Legal Reader | Attorney At Law Magazine
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