Auto Accident
Pre-Settlement Funding.

Potentially. If you were injured in an auto accident, have a pending personal injury claim and are represented by an attorney, FCA can review the case to determine whether it may qualify for pre-settlement funding. Approval and available funding depend on the facts, potential recovery and other circumstances of the individual claim.

FCA's pre-settlement funding review focuses primarily on the underlying legal claim rather than the traditional consumer credit criteria used for many personal loans. A low credit score does not automatically determine whether an otherwise qualifying claim can receive funding.

Applicants generally need to be represented by an attorney because FCA must verify information concerning the pending legal claim as part of underwriting. FCA coordinates directly with counsel to obtain relevant case information.

Timing depends on the individual claim, how quickly required information can be verified with counsel, and completion of the necessary agreements. Qualifying cases may be reviewed and funded quickly once required case information is available.

The amount available varies by case. FCA may consider potential case value, available insurance coverage, liability, severity of injuries, medical treatment, existing liens or advances, case status and anticipated recovery before determining an available funding amount.

Approved proceeds can generally provide financial flexibility for everyday needs such as rent, groceries, utilities, transportation, medical expenses and other household costs, subject to the terms of the applicable funding agreement.

FCA evaluates multiple motor vehicle accident categories, including qualifying motorcycle, bicycle, bus, pedestrian, semi-truck and tractor-trailer injury claims. Each case is reviewed individually.

Consumers often search terms such as “lawsuit loan,” “car accident loan” and “settlement loan,” but pre-settlement legal funding is structured around a pending legal claim rather than as a conventional personal loan. Applicants should review the specific funding agreement, fees, disclosures and repayment terms before proceeding.