If you’ve been hurt in an accident in Texas and are waiting on your lawsuit to settle, you’re probably already feeling the pressure. Medical bills, lost wages, car repairs, rent—it all adds up fast. But settlements and court cases can take months, even years.
That’s why USA Settlement Loan offers accident loans Texas just like you. We give you fast, risk-free cash based on your case—and you only repay us if you win.
This article will explain everything in simple terms: how accident loans work in Texas, who qualifies, and how USA Settlement Loan helps you stay financially secure while your case is ongoing.
What Is an Accident Loan?
An accident loan is not like a personal loan from a bank. Instead, it’s a cash advance based on the potential value of your personal injury lawsuit. You receive money now, while your case is still open, and repay us later only if your case is successful.
If you lose the case? You owe us nothing. This type of loan is known as non-recourse, meaning you are not personally responsible for repayment if your case doesn’t result in a settlement or court award.
Who Qualifies for an Accident Loan in Texas?
You may qualify for an accident loan in Texas if:
- You were injured in an accident caused by someone else
- You have an attorney representing you on a contingency fee basis
- Your case is active or being prepared
- Your case has a good chance of winning a settlement
We work with Texans across the state—from Houston, Dallas, Austin, and San Antonio to rural towns and everywhere in between.
What Types of Cases Are Eligible?
USA Settlement Loan funds a wide range of personal injury claims, including:
- Car accidents
- Truck accidents
- Motorcycle accidents
- Workplace injuries
- Slip and fall cases
- Dog bites
- Medical malpractice
- Construction site injuries
- Wrongful death lawsuits
If someone else’s negligence caused your injury and you’re working with a lawyer, your case likely qualifies.
Are Accident Loans Legal in Texas?
Yes—accident loans are legal and commonly used in Texas. Many injured people use this kind of funding to cover their daily needs while waiting for their legal case to settle.
Texas follows a modified comparative fault rule, meaning you can recover compensation even if you were partially at fault—as long as you are not more than 50% responsible. If your case qualifies under this law, you may also be eligible for pre-settlement funding.
How It Works – Step-by-Step
We’ve made the process fast, simple, and stress-free.
- Apply Online
Fill out a short application. It only takes a few minutes. No credit check or income proof required. - We Speak with Your Lawyer
We review your case with your attorney to confirm its strength and value. - Get an Offer
Based on your case, we’ll make a funding offer. You can usually borrow up to 10–20% of your expected settlement. - Receive the Money
Once you accept the offer, funds are transferred to your bank account—often within 24 to 48 hours. - Repayment Happens Only After You Win
When your case settles, your lawyer repays us directly from the settlement amount. If you don’t win, you don’t repay.
What Can You Use the Money For?
There are no restrictions on how you use the funds. Most of our clients use their accident loan to cover:
- Rent or mortgage payments
- Car repairs or payments
- Medical expenses
- Utility bills
- Food and groceries
- Childcare
- Any other necessary expenses
We know life doesn’t stop after an accident—and this loan helps you keep going.
Why Texans Choose USA Settlement Loan
We understand the financial stress personal injury victims face. That’s why we’ve built a service around fairness, speed, and support.
Apply Today – Free, Fast, and No Obligation
Don’t let financial stress push you into a lowball settlement. Apply today with USA Settlement Loan and get a risk-free quote. If approved, you could receive cash in your bank within 24 hours.
