California
Pre-Settlement Funding
We know legal proceedings can take time. Our pre-settlement funding helps ease some of the financial burden California plaintiffs may feel while their attorney fights for a fair settlement.
- Fast cash. No gimmicks and no games.
- No credit check, no risk, and no payments until you win your case.
- Easy approval, cash in 24 business-day hours*, and no hidden fees.
- Over 30 years in business with over $1B funded since 2010.
- Trusted by attorneys nationwide with an A+ BBB rating.
About Legal Funding in California
Pre-settlement funding, also called lawsuit loans, is a cash advance based on the expected value of your claim. It can help you cover living expenses while you wait for your case to resolve.
Unlike a traditional loan, pre-settlement funding is nonrecourse. That means you only need to repay the advance if you receive a settlement or court award. If you recover nothing, you do not repay the advance.
It’s worth noting that Rule 1.8.5(a) of the California Rules of Professional Conduct prohibits attorneys from directly or indirectly paying a client’s personal or business expenses, subject to limited exceptions.[1] This helps prevent financial arrangements from affecting the attorney-client relationship.
That’s where a California legal funding company like USClaims can help. Instead of falling behind on bills or maxing out your credit card, submit a request for no-risk, pre-settlement funding, which can help cover day-to-day expenses while your attorney fights for justice.
Why California Plaintiffs Choose USClaims for Pre-Settlement Funding
When you use USClaims to secure California pre-settlement funding, you get your funds quick and keep more of your proceeds. Here’s why thousands of plaintiffs have trusted us:
Fast Funds
Access $500 to over $1,000,000, with approved California plaintiffs receiving funds in as little as 24 business hours.*
No Credit Checks
We assess case strength when determining funding approval. There’s no credit check or impact on your score.
100% Risk-Free
Unlike traditional loans, if your lawsuit doesn’t result in a recovery, you don’t repay us. It’s that simple.
2X CAP**
Even if your lawsuit takes longer than expected, you’ll never repay more than twice the amount of your advance.
Non-Compounded Rates
Our rates never compound, so you keep more of the proceeds from your court case.
Reliable Experience
For more than 30 years, we’ve helped injured plaintiffs in California and across the country access financial support.
How Do I Know If I Qualify for Lawsuit Funding in California?
Qualifying for pre-settlement funding in California depends mainly on your lawsuit and your legal representation—not your financial history. Before applying, you’ll want to do the following.
Locate a Pre-Settlement Funder
Start by looking for a funding company that provides California legal funding and clearly explains rates and repayment terms. USClaims is proud to be a funder in the State of California.
Have an Active Legal Case
You must have an ongoing personal injury legal case. California settlement loans are based on your expected settlement, so the strength and value of your case play a role.
Have Legal Representation
You must be represented by an attorney on a contingency basis. That means they only get paid if you recover compensation in your case.
At USClaims, we understand the financial challenges victims can experience during legal proceedings, as injury settlements can take time. Our California pre-settlement funding can help ease some of the financial burden plaintiffs may feel while their attorney fights for a fair settlement.
Types of Cases We Fund in California
USClaims specializes in legal financing for personal injury in California. The cases below are some of the most common we fund, but they aren’t the only ones that may qualify.
Auto Accidents
Funding for California car, truck, motorcycle, and other crash claims.
Medical Malpractice
Support while pursuing claims against negligent medical providers.
Uber/Lyft Accidents
Funding for injuries involving California rideshare drivers and vehicles.
Premises and Slip & Fall
Funding for injuries caused by unsafe property conditions in California.
State & Federal Civil Rights Lawsuits
Support for qualifying lawsuits involving violations of your civil rights.
Request California Pre-Settlement Funding Today
If you have questions, call us toll-free at (877) 872-5246.
Laws and Regulations of Lawsuit Funding in California
If you’re considering pre-settlement loans in California, state laws can affect your funding agreement, how much you may recover from your lawsuit, and how long you have to pursue compensation.
State Bar Act (AB 931)[2]
- California’s AB 931 created the California Consumer Legal Funding Act, which sets rules for companies providing consumer legal funding in the state.
- Your attorney must complete a written acknowledgment before you can receive funding, confirming their representation and certain terms of the agreement.
- Your attorney must also review the required disclosures with you so you understand the funding arrangement before moving forward.
- Funding companies can only assess charges for up to 36 months, even if your personal injury case takes longer to resolve.
- You have five business days after receiving your funds to cancel the agreement without a penalty by returning the full amount advanced.
- Your agreement must clearly disclose information such as the amount funded, applicable fees and charges, and the maximum amount you have to repay.
Pure Comparative Negligence
- California follows a pure comparative negligence system, which allows you to recover compensation even when you share some responsibility for causing your injuries.[3]
- There is no 50% cutoff, so you may still recover damages even if a court finds that you were more at fault than the other party.[4]
- Your compensation is reduced according to your share of responsibility. If you have $100,000 in damages and are 25% at fault, for example, your recovery would be reduced to $75,000.[3]
- Because fault can reduce your expected recovery, it may also affect the value of your personal injury claim and the amount of pre-settlement funding available to you.[3]
Statute of Limitations for Personal Injury
Contact your local attorney for more information on the statute of limitations in California.
CA Auto Accident Insurance Minimums
- California requires drivers to carry minimum liability coverage.[6]
- Bodily injury to one person: $30,000[6]
- Bodily injury to more than one person: $60,000[6]
- Property damage liability: $15,000 per accident[6]
- Insurers must also offer uninsured and underinsured motorist (UM/UIM) coverage, covers you when the at-fault driver has no insurance or not enough coverage.[7]
- You can reject or reduce UM/UIM coverage in writing.[7]
California Prop 213[8]
- California Proposition 213 prevents uninsured drivers, drivers injured while committing a DUI who are later convicted, and people injured while committing or fleeing from a felony for which they are convicted from recovering noneconomic damages after an accident.
- Noneconomic damages include losses that do not have a direct dollar value, such as pain and suffering, inconvenience, physical impairment, and disfigurement.
- Prop 213’s auto provisions generally do not prevent affected plaintiffs from seeking economic damages, including medical expenses and lost wages.
- The law contains exceptions, including certain cases in which an uninsured vehicle owner is injured by a driver who is later convicted of DUI.
You Can Trust USClaims for Settlement
Funding Needs in California
For more than 30 years, USClaims has helped plaintiffs get financial support while their cases move forward, funding more than $1 billion in the last 10 years. Our experience and commitment to plaintiffs means we’ve been repeatedly voted THE BEST funding provider in the nation – year after year!
How Lawsuit Funding for California Plaintiffs Works
If you’ve been injured due to someone else’s negligence, USClaims will work with your attorney to evaluate your case and get you California pre-settlement funding. You get a financial lifeline, and your attorney gets the time they need to fight for a fair settlement.
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Apply
Submit your contact information on our website or contact us by phone to request a California settlement loan. From there, USClaims works directly with your attorney to gather information about your lawsuit.
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Approval
A dedicated USClaims representative will contact you as we review your request for California legal funding. Approval is based on factors such as the strength and expected value of your case, so there’s no credit check required.
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Get Your Cash
Once approved, you can get $500 to over $1,000,000 within 24 business hours of approval.* It’s that simple. There are no restrictions on how you use your advance.
What Customers Are Saying About USClaims Legal Funding
California Pre-Settlement Funding FAQs
How does pre-settlement funding work in California?
Pre-settlement funding in California is a nonrecourse advance that gives you money based on the potential proceeds of your pending legal claim. If approved, you assign the funding company a contingent right to receive an agreed amount from a future settlement, judgment, award, or verdict.[2]
Who is typically eligible to apply for pre-settlement funding in California?
For a case to qualify for pre-settlement funding, you must actively be pursuing a civil claim and have an attorney representing you on a contingency basis. Your attorney must also provide the written acknowledgment required under California law.[6] Funding companies then evaluate factors such as the strength and potential value of your case to determine approval.
What costs, fees, and repayment terms are common in California?
Your California legal funding agreement must disclose the funded amount, one-time charges, maximum total repayment, and how charges accrue. Charges cannot continue beyond 36 months from the funding date, and your repayment amount must be predetermined based on time intervals rather than calculated as a percentage of your recovery.[6]
How long does it usually take to receive funds in California?
The timeline depends on how quickly the funding company can review your case and work with your attorney. With USClaims, approved applicants can typically receive between $500 and $1,000,000 in as little as 24 business hours after we receive a fully executed contract.*
What legal or regulatory factors in California affect settlement funding agreements?
California’s Consumer Legal Funding Act requires:
- Written agreements
- Specific disclosures
- Attorney acknowledgment
- Five-business-day right to cancel.
It also limits charges to 36 months and prevents funding companies from controlling settlement decisions or paying attorneys referral fees. These rules provide protections you should understand before signing a funding agreement.[6]
Do I need to be a resident of California to qualify for pre-settlement funding?
You may qualify for pre-settlement funding if you are not a resident of California, but the laws and regulations for funding will vary by state. Contact USClaims to see if your case qualifies.
Get access to pre-settlement funding in California today.
If you have questions, call us toll-free at (877) 872-5246.
*Funding subject to approval. We typically fund within 24 business-day hours after we receive a fully-executed contract. Additional restrictions may apply. Contact for details.
**2X CAP may not be applicable for all types of cases and/or jurisdictions.
Disclaimer: Throughout this website, the term “loan” may be used for convenience to describe pre-settlement funding. However, such transactions are not loans in the legal sense. Repayment is strictly contingent upon the successful resolution of your case. If your case is unsuccessful, no repayment is required. Common terms like “lawsuit loan” are used colloquially but misrepresent the non-recourse nature of pre-settlement funding.
Sources
- [1] State Bar of California, “Rule 1.8.5 Payment of Personal or Business Expenses,” https://www.calbar.ca.gov/sites/default/files/portals/0/documents/rules/Rule_1.8.5-Exec_Summary-Redline.pdf
- [2] California Legislative Information, “Assembly Bill No. 931, Chapter 565,” https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260AB931
- [3] Judicial Council of California Civil Jury Instructions, “Comparative Fault,” https://www.justia.com/trials-litigation/docs/caci/400/405/
- [4] Justia, Li v. Yellow Cab Co., https://law.justia.com/cases/california/supreme-court/3d/13/804.html
- [5] Judicial Branch of California, “Deadlines to Sue Someone,” https://selfhelp.courts.ca.gov/civil-lawsuit/statute-limitations
- [6] State of California Department of Motor Vehicles, “Insurance Requirements,” https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/
- [7] California Department of Insurance, “Introduction to Auto Insurance,” https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm
- [8] California Secretary of State, “Proposition 213: Text of Proposed Law,” https://vigarchive.sos.ca.gov/1996/general/pamphlet/213text.htm
