New Jersey Lawsuit Loans

  • Get Cash as Soon as the Same Business Day
  • Rates as Low as 2.5% Simple, Monthly
  • Repay $0 if You Lose Your Case
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What is a Lawsuit Loan and How Does it Work in New Jersey?

A lawsuit loan, also known as litigation financing or pre-settlement funding, is a way for plaintiffs involved in a legal case to access funds before their case is resolved. This type of funding provided by companies like can offer immediate financial relief to plaintiffs who are facing financial hardship while they wait for their lawsuit to be settled or go to trial.

So, how does it work? In essence, a lawsuit loan company provides a cash advance to the plaintiff against the prospective settlement or jury award from their pending lawsuit. The plaintiff does not need to repay the loan if they lose their case. The principle here is that you only pay if you win the case.

In New Jersey, just like in any other state, these lawsuit loans assist plaintiffs who cannot afford to wait for their claims to be resolved before getting paid. With the service provided by, New Jersey residents involved in personal injury cases, automobile accident suits, workplace accident cases, and more can apply for a lawsuit loan to help them manage their everyday expenses while their case is ongoing.

To apply, plaintiffs can visit’s funding application online or call their toll-free number at (800) 340-4973.

How Lawsuit Loans Work

Here’s how the lawsuit loan process works in three easy steps. The entire process can be completed within 24 hours with your attorney’s help.

Telephone Icon - Starting the process is easy, just apply online or call toll free

Apply Online or Call Toll-Free

Apply online or call us toll-free at (866) 594-1343. Submitting your application takes minutes.

Review Icon - We quickly review your legal case.

We Review Your Case

Next, we contact your law firm and collect basic information to review your case. Review only takes a few hours.

Money Bag Icon - Once we approve your case, you and your attorney sign the contract and you get cash the same day

You Receive Funds

You and your attorney review and sign our funding contract. Once complete, you can have funds within hours.

Important New Jersey Lawsuit Loan Information

Below is a brief overview of some key details related to lawsuit loans in New Jersey. For specifics on how can help with your legal funding needs in this state, please refer to the table.

Average loan amount by in New Jersey $19,009.68
Largest loan by in New Jersey $117,096.62
Average semi-annual rate in New Jersey 20.7%
Median personal injury verdict in New Jersey $31,000.00
New Jersey statute of limitations 2 Years; N.J. Stat. Ann. § 2a:14-1
New Jersey fault laws New Jersey is a “choice no-fault” state, allowing drivers to choose between a “no-fault” policy and a traditional “at-fault” policy.

Get up to $500,000 With Rates as Low as 2.5% Simple, Monthly

Common Case Types We Fund in New Jersey

We provide financial support to various legal claims in New Jersey. Here’s a list of the most common cases we fund.

  • Auto and Other Roadway Accidents: It covers incidents involving motor vehicles on the road. This includes car accidents, bicycle and pedestrian accidents as well.
  • Premises Liability: This is when injuries occur on someone else’s property due to their negligence in maintaining a safe environment.
  • Medical Malpractice: Cases where health care providers cause injury to patients through negligence or omission during treatment fall under this category.
  • Labor Law Claims: These involve disputes related to work, including wage theft and workplace violations.
  • Employment Claims: It deals with issues like workplace discrimination, wrongful termination and harassment at work.
  • Other Personal Injury Claims: Any situation where an individual sustains injuries due to someone else’s wrongdoing or negligence is considered a personal injury claim.

Interested parties can find further information on these cases by visiting New Jersey Personal Injury Loans and New Jersey Car Accident Loans.

Get an Instant Quote

Input your requested funding amount and the time your case may take to settle here to see your potential savings and costs when you choose While we sometimes offer rates as low as 2.5%, our calculator assumes a simple, non-compounding monthly rate of 3.3%. This calculator is for illustrative purposes only. Actual terms may differ. Please contact us for an instant, written quote for your request.

Advance Amount:

Months Until Settlement:


Total Cost

Pay $2,900 on a lawsuit loan of $10,000 if your case settles within 6 months of your advance.


Your Savings

Save $1,428 compared to competitors on a lawsuit loan of $10,000 if your case settles within 6 months of your advance.


Percent Savings

Save 33% on a lawsuit loan of $10,000 if your case settles within 6 months of your advance.

Am I Eligible for a Lawsuit Loan in New Jersey?

To apply for a lawsuit loan in New Jersey, there are certain conditions you need to meet. The main rules are as follows:

  • You must have a valid legal claim. This could be against an insurance company, a self-insured company, or a large public entity.
  • You must have an attorney. Your case should not be self-presented. Your lawyer will play a key role in your lawsuit loan application process.
  • You must be at least 18 years old. This is a legal requirement. If you are under 18, you cannot apply for a lawsuit loan.

These conditions are the primary criteria for eligibility. However, the final decision depends on the details of your case and the assessment of

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Apply today and get funds in as little as 24 hours!

Our New Jersey Lawsuit Loan Process

Understanding how lawsuit loans work is crucial. It is a simple and straightforward process, designed to assure the plaintiff can access funds quickly and without unnecessary complications. Here are the five main steps you, as a plaintiff, need to follow:

  1. Apply online: Visit our application page at funding application. All you need is basic personal information and details about your injury or legal claim.
  2. We contact your law firm: After you submit your application, we reach out to your law attorney. We will confirm necessary case details and gather additional information as required.
  3. We review your case: Our experienced team will carefully evaluate the specifics of your case, including the estimated time to reach a resolution and the potential settlement payout.
  4. You sign a contract: Once approved, we send you a contract outlining the terms of the lawsuit loan. Review it with your attorney, and if agreeable, sign it.
  5. You get funds: After you have signed the contract, we release the funds. You can use these to cover living expenses and other urgent needs while waiting for the case to resolve.

Now let’s illustrate this process with an example. John, a resident in New Jersey, was involved in a car accident and sustained severe injuries. Unable to work and mounting bills, John decided to apply for a lawsuit loan from He submitted his application online providing all necessary information. Our team contacted his law firm, reviewed his case, and determined he is eligible for a pre-settlement fund. John reviewed the terms of the contract, signed it and soon received his needed funds to cover his living costs while waiting for his case resolving.

How Much Money Can I Get From my Lawsuit Loan?

Lawsuit loans from can range from $500 to over $1,000,000. We can provide funds up to a maximum of 25% of your expected share of the settlement if your case is still in progress. For cases that are already settled, we can offer up to 50% of your awarded portion of the settlement.

Let’s consider an example of a plaintiff in New Jersey involved in a car accident case. The estimated value of the case is $100,000, and it is not expected to settle for some time. Usually, medical providers get about a third of the settlement amount while the attorney receives another third of the amount. This leaves the plaintiff with approximately $33,000. In this scenario, could advance about 25% of the plaintiff’s portion, which would be around $8,250.

Get $500 – $500,000 in as Little as a Single Business Day!

We understand that if you’re applying for funding with us, you needed the funding yesterday. With your attorney’s cooperation, we can provide funding as soon as the same business day.

What Can I Use the Money From My Lawsuit Loan For?

As a plaintiff who has applied for a lawsuit loan, you may wonder what exactly you are permitted to use the loan funds for. The simple answer is that you can use these funds for virtually any purpose that pertains to your everyday living expenses and medical expenses.

When receiving a lawsuit loan from, you are allowed to freely use them towards necessities such as rent or mortgage payments, transportation costs, groceries, utilities, and child care expenses. These funds can essentially help you keep your life on track financially while waiting for your legal case disposition.

Besides living expenses, the loan funds can also be used towards covering your medical expenses. This includes doctor consultations, prescription medications, surgeries, physiotherapy sessions, and other healthcare services which you may require due to your personal injury or another legal claim.

It is crucial to understand, though, that there’s one exception to these usage guidelines. You cannot spend your lawsuit loan funds expressly for litigation or any other legal case expenses. Other than this single restriction, you have complete flexibility in how you utilize the loan money provided by

Pros and Cons of Pre-Settlement Funding in New Jersey

Pre-settlement funding, also known as lawsuit loans, come with both benefits and costs. Recognizing these pros and cons can be an essential part of your decision-making process. Let’s explore some of these factors to consider in New Jersey.

Benefits of Pre-Settlement Funding

  • Financial Relief: Lawsuit loans provide plaintiffs with the financial assistance they need when facing costly legal battles. This can significantly alleviate stress and help you focus on your case.
  • Early Access to Funds: With pre-settlement funding, you don’t have to wait until the end of your case to receive money. This can help with immediate expenses and financial needs during a challenging time.
  • Avoiding Early Settlement Pressure: Legal cases can take time, and the bills can pile up. Pre-settlement funding helps you hold out for an appropriate settlement, rather than being forced to settle early for less due to financial pressure.
  • Non-recourse Funding: One of the major benefits of lawsuit loans is their non-recourse nature. If you don’t win your case, you generally don’t have to repay the fund.

Cons of Pre-Settlement Funding

  • High Interest Rates: Pre-settlement funding often comes with high interest rates. These rates can accumulate over time, making the cost of the loan significantly higher if your case drags on.
  • Under-regulated Industry: The lawsuit loan industry is often relatively unregulated or under-regulated. This can make it more challenging to find a reputable company with fair terms. It’s crucial to do your due diligence when choosing a pre-settlement funding company.
  • Contingency Basis Requirement: To receive pre-settlement funding, your attorney typically needs to be working on a contingency basis — they get paid if you win. And you need to have a well-developed legal case.

Get up to $500,000 With Rates as Low as 2.5% Simple, Monthly

Major Cities We Fund in New Jersey proudly offers funding to individuals with pending lawsuits in New Jersey. Here are the top 10 most populous cities in New Jersey where we provide services:

  1. Newark
  2. Jersey City
  3. Paterson
  4. Elizabeth
  5. Edison
  6. Woodbridge
  7. Lakewood
  8. Toms River
  9. Hamilton
  10. Trenton

Beyond these major locales, we also collectively offer support and financial relief to residents across New Jersey and nationwide. To learn more, visit our website at or call us toll-free at (800) 340-4973. Considering an application? Start your application today by visiting the funding application.

New Jersey Pre-Settlement Funding FAQs

Whether you’re new to lawsuit loans or not, everyone has questions. We’ve compiled some of the most frequently asked questions by New Jersey residents. These questions involve costs, qualification, and funding amounts. Let’s address them one by one.

How much does it cost to get a lawsuit loan?

The cost of getting a lawsuit loan varies based on several factors including the total amount of the loan, the type of lawsuit, and the expected duration until settlement. prides itself on providing straightforward and clear pricing information to all clients.

Do I qualify for a lawsuit loan?

To qualify for a lawsuit loan with, you must be a plaintiff in an active lawsuit and have a lawyer representing you. There is no need for credit checks or employment verification. We base our decision mainly on the merits of your case.

How much funding can I get?

The amount you can receive as a lawsuit loan varies greatly depending on numerous factors, which primarily include the potential settlement amount of your case. Once we review and understand the details of your case, we will be able to provide a better estimation of the funding you could receive.

Get Started

Apply today and get funds in as little as 24 hours!

Cities we Service in New Jersey provides funding throughout New Jersey. See more about our funding in New Jersey by visiting the city pages below:

Cases we Fund in New Jersey provides funding for various personal injury and roadway accident cases in New Jersey. Read more about the personal injury cases we fund in New Jersey here:

Read more about the roadway accident claims we fund in New Jersey here:

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