Sustaining personal injuries due to someone else’s negligence can wreak havoc on a person’s life. One moment you are going about your day and the next moment you are dealing with injuries, damages, and a pile of unexepcted bills and expenses. If you are forced to miss work due to the injuries, chances are you are already struggling to pay the bills or you are about to run out of money.

Here at Certified Legal Funding, we specialize in providing plaintiffs with cash advances with approvals within 24 hours. Today, we are sharing the beginner’s guide to pre-settlement funding and answering the most frequently asked questions.

Do I have to repay the legal finance loan if I lose my case?

Though often referred to as legal finance loans or legal settlement loans, it is important to note that certified funding is not a bank loan. In fact, it is a non-recourse cash advance on a settlement you are expecting to receive. Non-recourse is legal speak, but it boils down to the fact that you do not have to repay the legal funding you have received from the company.

My credit score is less than ideal. Can I still apply for pre-settlement funding?

Yes. Legal funding was designed to be a financial tool everyone can use to ensure funding for lawsuits. As such, it does not involve credit score checks and the approval is based solely on the circumstances of your case. That means you can apply even if you have  a less-than-perfect credit score.


Does my attorney need to be involved?

One of the requirements you need to meet in order to qualify for legal funding is having a personal injury attorney representing you. Your attorney knows your case the best and they can help us understand all the circumstances in order to calculate the risk associated to your case and approve your application.

What should I do if I have not hired a personal injury attorney?

If you don’t have an attorney call us on 800-922-7439 before filling up the form.

Why do lawsuits take so long to settle?

The legal system can feel slow at times. The courts are buried with too many cases and not enough staff to immediately address each lawsuit. In other cases, the insurance companies and opposing legal teams use stalling tactics to force plaintiffs to accept offers that do not cover all the damages and injuries.


By applying for legal funding, plaintiffs can regain their financial freedom while giving their attorneys enough time to negotiate a fair settlement. There are no limitations on how you can spend the cash advance. After all, it is your money to spend, and you can use it to cover medical expenses, pay mortgage, tuition, or make the car payment on time.

How can I apply for legal funding?

We made sure the application process is as simple and as short as possible. All you need to do is fill out the form on our website and leave your information, including the contact details of your attorney.

If you do not feel comfortable applying through our website, you can apply over the phone. Call us toll-free 800-922-7439 anytime and our staff will walk you through the application process, answering all your questions and concerns along the way.

Call Now
Apply Now