New Jersey Lawsuit Loans Made Easy

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Uplift » States » New Jersey Lawsuit Loans
Uplift provides lawsuit loans to plaintiffs in New Jersey

Lawsuit Loans Overview

Generally speaking, most personal injury plaintiffs in the state of New Jersey, are eligible for a settlement loan. The state is still reviewing regulations for consumer litigation loans, so regulations may be subject to change. A lawyer is allowed to help their client secure pre-settlement funding as long as the attorney doesn’t have a financial interest in the lending company.

Uplift Legal Funding provides non-recourse lawsuit loans across the Garden State, including in major cities like Newark, Jersey City, and Paterson. A non-recourse lender means that you don’t have to pay the funding back if you don’t get a settlement. There is no risk for you in taking out a lawsuit loan with us. Accidents happen, as such, we offer pre-settlement funding for most personal injury claims. With a population of 8,882,190, New Jersey is the 11th largest state in America. New Jersey also ranks 11th for per capita fatal injuries. Our lawsuit cash advances help plaintiffs get-by while waiting for their case to settle.

Quick Reference New Jersey Lawsuit Loan Facts

Average Funding Per Case in NJ

Uplift Legal Funding’s average funding per New Jersey claim is $14,764.

Available Funding Amount in NJ

Uplift Legal Funding can provide $500 – $1,000,000+ for a lawsuit loan in New Jersey.

New Jersey Fault Laws

New Jersey is a no-fault state, which means that car accident victims must first file a claim with their own insurance company. If their insurance company isn’t able to fully cover damages, then they may file a suit. In addition, for personal injury, New Jersey is a modified comparative fault with a 51% threshold, which means that if the plaintiff is found to hold more than 50% of the fault for the incident, damages may be reduced by relative negligence.

Statute of Limitations in NJ

Injuries have a 2-year statute of limitations and property damage has a 6-year statute of limitations. The statute of limitations for oral and written contracts in New Jersey is 6 years.

Minimum policy limits in New Jersey

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

Financial resources for New Jersey plaintiffs

You may find yourself unable to work after an accident. While you’re waiting for your settlement, you may not be able to pay your bills. If you’re waiting for a settlement from your personal injury suit to pay your bills, there are other options in addition to a pre-settlement loan.

Even with our low, simple rates, lawsuit loans can be expensive. If you just need a little extra help with bills, the state offers several resources for those in need. You can apply for many of these online.

  • The New Jersey: Financial Assistance For Families administers several programs for low-income families. Some of these programs include temporary cash loans, called the TANF program. Others can help with groceries, such as WIC (Women, Infants, and Children) or childcare expenses
  • Families who need low-income housing or help finding affordable housing may benefit from the New Jersey Housing Resource Center. It offers homelessness and eviction prevention, plus special programs for veterans and the disabled
  • Individuals without health insurance may apply for NJ Medicaid. Or, people who may have lost their insurance through their job due to the accident may receive Medicaid benefits
  • Low Income Home Energy Assistance (LIHEAP) provides utility assistance for low-income New Jersey families

If I have bad credit, can I still get a New Jersey pre-settlement lawsuit loan?

Yes! New Jersey lawsuit funding is uniquely designed to be risk-free, focusing on the merit of your pending lawsuit rather than your credit history. Unlike traditional loans, pre-settlement funding in New Jersey is based on the strength of your case. We don’t conduct a credit check or employment verification for approval. Additionally, lawsuit loans are secured on a contingency basis. The money is repaid only if you win your case and comes out of the settlement award. You won’t have a structured repayment plan, as you would for a personal loan or a paycheck advance loan.

Therefore, your loan amount and whether it’s approved is based on the case itself.

What do we consider when evaluating your case?

  • How clear is the case? Is it evident that one party is at fault? Or is the case a little murkier, with the causality of the incident subject to question?
  • How long has the case been in the court system, and what state is it at? Is this a newly filed case, or is it close to settlement?
  • Do we have all the information we need to make a decision? How quickly we’re able to approve settlement funding depends on how quickly we’re able to get the information we need from your lawyer

How can I get the best rate for settlement loans in New Jersey?

Finding the best funding company can be tricky. There are many legal funding companies in New Jersey, and each one will tell you they’ll give you the highest amount at the lowest rate. Comparing the merits of each settlement lender can be confusing, especially if you’ve never done this before. Every company claims they cover all types of personal injury loans, from a car accident to a dog bite. How can you tell which one is right for you?

Judging strictly by the numbers, the best lawsuit loan company is the one with the lowest interest rate. Research different companies, including which types of cases they cover and how quickly they can send your funds. Your attorney may also be familiar with settlement companies in New Jersey and can recommend reputable ones. Ask your lawyer what kind of terms a recommended lending company offers. Look for ones with simple interest instead of compound. Also, practice due diligence. There isn’t a ton of regulation for settlement funding companies. You may wish to contact your state’s department of commerce to check for complaints about different companies.

Many lawsuit lending companies will have information online, but it’s important to ask questions, too. Ask for your quote in writing, and make sure you understand all of the terms. Some pre-settlement companies will ask for your lawyer’s information before quoting you rates. Be wary of these companies, and make sure you have a quote firmly in writing before disclosing any personal information. Again, consult with your lawyer before giving any company your case or personal information.

Uplift Legal Funding has in-depth experience in the lawsuit and settlement funding industry. We operate with complete transparency and are ready to answer any questions our clients have. We offer a more comprehensive look at lawsuit loans here. For additional information, we encourage you to call us or send an email.

Will I need a lawyer to apply for a pre-settlement lawsuit loan?

Yes! Your attorney will provide us with the information we need to approve your loan and how much we can lend you. Since the funds are repaid from the settlement award, and your attorney is responsible for disbursing the settlement, it’s essential to have legal representation in order to obtain the loan.

Unless your lawyer is working pro bono, the only way you can get a cash advance based on your lawsuit is through a settlement funding company. They, in turn, work with your attorney, who is ultimately responsible for seeing the loan is repaid.

Is settlement funding considered a loan in New Jersey?

Settlement finding isn’t considered a loan in New Jersey. Bear in mind that lawsuit loans are largely unregulated in the state, so make sure to read the terms carefully. Only sign a contract when the funding is based on contingency. That is, if your case falls through, you’re not responsible for repaying the loan.

How lawsuit loans can strengthen your New Jersey personal injury case

The main reason plaintiffs seek pre-settlement funding is that injuries from the accident leave them unable to work and pay their bills. Or, they may need to replace a vehicle and can’t until a future settlement comes through. This can also affect your ability to work and may cause financial hardship if you’re still responsible for a vehicle loan. Exploring funding options like pre-settlement funding can provide the necessary financial relief, preventing the need to accept the first offer from the other party’s insurance company just to return to normalcy as quickly as possible.

When a plaintiff is faced with accepting a fast settlement or seeing the case through to the conclusion, their financial circumstances heavily factor in. If you’ve suffered from a neck or spine injury, you may need ongoing medical care. These costs are typically factored into the compensation amount. If you settle the case before your treatment is completed, the remainder of the bills won’t be covered. You’ll have to pay for these yourself.

A lawsuit loan can give you the financial stability you need so that you and your lawyer can pursue the case through its conclusion. Any medical bills will be included in the claim. And, all lost wages can also be included. Lawsuit loans allow you the freedom to get the compensation you deserve.

How do lawsuit loans work?

Our lawsuit loans are fairly straightforward. There’s a bit of information we ask each applicant:

  • Your full name
  • Phone number and email address
  • Details about the case, such as police reports, witness statements, photos, and incident reports

Once we’ve gotten this information, our underwriting department can evaluate your case. You don’t need to file your suit yet – often, we can assess a case just a week after the incident happened.

Once we’ve approved the loan, we’ll send you cash within 24 hours. Uplift Legal Funding offers many flexible payment options, including direct deposit, overnight FedEx check, Money Gram, Western Union, and more. That’s all we ask of you! The rest of the terms, we work out with your lawyer. They’re responsible for the repayment, which comes from your settlement award. Remember, Uplift works on a contingency basis, just like your lawyer. If they don’t win the case, you aren’t responsible for repaying the money you’ve received.

Lawsuit funding from Uplift

We provide lawsuit cash advances to relieve the pressure of all the living expenses that build up during a case. This could be in the form of medical bills, rent/mortgage, college tuition, etc. Whatever you need the funding for, it’s up to you how it’s used.

Uplift will always advise that our clients take absolutely what they need. Legal funding can be pricey, so Uplift does our best to keep rates low and manageable. One of the best features Uplift offers is, if you don’t win the lawsuit you don’t have to pay the lawsuit loan back.

How to find the best lawsuit funding in New Jersey

Uplift wants to make sure you know what to look for when finding the best legal funding company. So, we have composed a few tips on how to spot any potential red flags.

  1. Rate transparency: A lot of funding companies have big rates, charging upwards of 100% in rates. If the company is open about rates that’s a red flag.
  2. Avoid Brokers: Many brokers tack on additional fees which means you end up with less of your settlement.
  3. Accessibility: You should be able to reach a representative if you call or email. If the company isn’t responding to you it is not a good sign.
  4. Credit Check: Legal funding should be based on the merits of your case, not your creditworthiness. If a funding company requires a credit check, it may be wise to look elsewhere.

Uplift fulfills each and every one of the tips above. We want to help you get through this and therefore we strive to be the best legal funding company.

If approved for funding in New Jersey, how quickly can I get my funds?

The day you are approved is the day you receive your funding. Uplift wants to help you get your cash as soon as possible. Therefore we guarantee your pre-settlement funding will be transferred to you the same day you are approved. And because approval can happen in as little as 24 hours, Uplift can get you your cash advance in as little as two days!

Uplift offers two paper forms of cash deposits and one paper form. The paperless versions are as follows:

  1. Direct deposit
  2. Western Union

The one paper option we have is an overnight transfer.

Personal injury claims filed in New Jersey

Uplift provides pre-settlement funding on most New Jersey personal injury cases. A few examples include:

For a full list of claims we fund, click here

Regulation of Lawsuit Loans in New Jersey

Legal funding still has no regulations set in New Jersey. This means most legal funding companies can work while in New Jersey.

Because lawsuit loans are unregulated, it’s important to compare rates and terms. Never rush into lawsuit funding. We charge simple, non-compounding rates that can help save you money on your lawsuit advance.

People from New Jersey often ask if they can get a cash advance from their lawyer. There are very specific circumstances that allow a lawyer to cover your fees:

  1. Pro-Bono agencies may pay for both court expenses and some living expenses of clients
  2. Lawyers may advance court related fees
  3. A lawyer may pay for litigation fees only if a client is unable to pay for them.

Personal injury firms in New Jersey

Uplift can only provide legal funding after you have an attorney.

If you are having difficulty finding one, Uplift has compiled some for you.

Each of the law firms below has high ratings and positive reviews online:

Todd J Leonard Law firm
Address: 3010 Route 10 West, Denville, NJ 07834
Phone: (973) 355-7932
Specialties: Slip and fall, car accidents, serious injury, Uber accidents

Grossman Law Firm
Address: 57 Schanck Road #C-13, Freehold, NJ 07728
Phone: (732) 491-8719
Specialties: Motorcycle accidents, dog bites, medical malpractice, product liability

Lependorf & Silverstein, P.C.
Address: 4365 US Highway 1, Suite 104, Princeton, NJ 08540
Phone: (609) 429-5849
Specialties: Workers compensation, wrongful death, truck accidents, bicycle accidents

Rebenack Aronow & Mascolo L.L.P.
Address: 111 Livingston Avenue, New Brunswick, NJ 08901
Phone: (732) 247-3600
Specialties: Construction injury, pedestrian accidents, defective drugs. slip and fall

New Jersey Personal Injury Statistics

New Jersey does much better than the rest of America when it comes to auto accident fatality rates. On average, the fatality rate is 4% lower than the rest of America.

Residents drive an estimated total of 75 billion miles yearly, which means that the average resident drives much less than other Americans. Driving fewer miles does contribute to the lower fatality rate in New Jersey.

Miles driving is not the only contributing factor, local seatbelt use and drunk driving habits play a large part in the car accident death rate.

In New Jersey, residents are pretty good at putting on their seat belts. They buckle up a little less than 90% of the time

The drinking rate in New Jersey is also lower than average in America, with residents reporting they drink and drive nearly 19% less than other Americans!

Because of these factors, New Jersey has a lower car accident fatality rate than the rest of America. However, this does not mean accidents don’t happen. When an accident happens you don’t want to be blindsided by living expenses. Apply or call us today.

Why New Jersey residents choose Uplift for lawsuit loans

Most people from New Jersey choose uplift for three reasons:

  1. Quick and easy process
  2. Rate transparency
  3. No credit check

Uplift offers a quick and easy application process. The entirety of your funding process is digital. That eliminates the fear of mail getting lost or having to fill out a bunch of paperwork.

Uplift is always transparent about our rates. We even offer a lawsuit loan calculator that can help you understand the approximate cost of funding from Uplift Legal Funding. Because our rates are non-compounding, we only charge based on the original funding amount.

Uplift Legal Funding grant funding based on the quality of your case. Our personal injury case managers never check employment history or credit score. When applying for settlement funding with us, you never have to worry about your credit score disqualifying you for lawsuit loans.

Next Steps

Uplift Legal Funding provides non-recourse lawsuit loans on personal injury claims. We do our best to make sure your life isn’t derailed by a lawsuit. If you are interested in legal funding or need cash now, apply online or give us a call at (800) 385-3660.

Jared Stern
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