Repayment explanation
What happens if I lose my case?
For approved non-recourse funding, repayment is generally tied to case proceeds if the case recovers, subject to the final agreement.
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Written by: Jake Deng, of CasePayNow
Reviewed by: CasePayNow Editorial Team for clarity, business disclosure, and funding-process accuracy. No attorney review is claimed unless stated separately.
Original publication: 2026-07-09 | Last meaningful update: 2026-07-12
Sources: Applicant intake experience, funding-provider documentation requests, attorney verification workflows, provider agreement review points, and public consumer/regulator resources listed in our Editorial Policy.
Educational disclaimer: This page is educational and does not guarantee eligibility, approval, timing, funding amount, or legal outcome. Report errors through our Corrections Policy.
Funding overview
Understanding non-recourse repayment
Pre-settlement funding is not a traditional loan. For approved non-recourse funding, repayment is generally tied to the case outcome and disclosed in the agreement before funds are accepted.
Who may qualify
Applicants usually need an active injury claim, attorney representation, a possible recovery source, and enough case information for underwriting review. Approval is never guaranteed and funding may not be available in every situation.
Attorney verification
Your attorney may be asked to confirm case status, liability, insurance, liens, prior funding, treatment, and the expected settlement path before any funding decision is made.
Case types and examples
The final agreement matters. Applicants should review repayment terms, payoff examples, and attorney questions before accepting funding.
Bad credit, review focus, and timing
Pre-settlement funding review is based primarily on the claim, not traditional credit underwriting. Bad credit or lack of employment does not automatically stop a review. Timing depends on the application, documents, attorney response, approval, signed terms, and funding method. Same-day funding may be possible after approval when verification is completed quickly.
Documents that helpAttorney contact, accident date, claim number, insurance information, treatment summary, prior funding details, and requested amount.
After applyingA specialist reviews the file, may request attorney verification, explains the next step, and provides terms before funds are accepted.
Important limits
Funding claims depend on the final review
Approval is not guaranteed. Funding amounts, timing, fees, state availability, attorney participation, repayment language, and whether funding is non-recourse depend on the case facts, provider review, signed agreement terms, and final approval. Traditional credit and employment are generally not the main review factors, but provider requirements can vary.