Get A Car Accident Loan in Rhode Island

Car accidents can leave you feeling overwhelmed especially when medical bills, lost wages, and everyday expenses start to pile up.

At Northstar Pre-Settlement Funding, we’ve seen firsthand just how stressful it is to juggle these costs while waiting for a fair settlement. Our goal is to help you stay financially stable so you can focus on your recovery.

Call (424) 431-5051 or apply online today to obtain the funds you need—often within 24 hours of approval.

Why Consider Car Accident Loans?

When you’re injured due to someone else’s negligence, your settlement shouldn’t be rushed just because you’re strapped for cash. Car accident loans, often called a pre-settlement funding or a lawsuit cash advance, gives you access to funds based on the potential outcome of your claim. Unlike traditional bank loans, it’s non-recourse financing, so you only repay the advance if you win or settle your case.

At Northstar, we’re here to make sure a temporary financial crunch doesn’t force you into accepting a lowball offer from insurance companies. You deserve the time and resources to fight for fair compensation.

How Car Accident Loans Work in Rhode Island

Apply or Call: Reach out to us by phone at 424-431-5051 or apply online. You’ll share basic details about your accident and ongoing lawsuit.
Case Review: We’ll coordinate with your attorney to understand the strength of your claim—no credit checks or invasive financial documents required.
Approval & Funding: If approved, you can get your funds in as little as 24 hours. That money can be used for medical bills, rent, groceries—whatever you need to stay on track.
Repayment Only If You Win: If your case settles or you win at trial, we’re repaid from the proceeds. If you don’t recover anything, you owe us nothing.

Rhode Island Laws That Can Affect Your Claim

Rhode Island is a “fault” state, meaning the at-fault party (or their insurer) is responsible for covering damages. The state also follows pure comparative negligence, so your compensation might be reduced by the percentage of fault assigned to you, but you’re not barred from recovering damages if you share in the blame.

Statute of Limitations: Generally, you have three years from the date of the accident to file a personal injury claim.
Insurance Minimums: Drivers must carry minimum liability coverage of $25,000 per person (bodily injury), $50,000 per accident, and $25,000 for property damage.

Although Rhode Island has considered legislation like the Third-Party Litigation Financing Consumer Protection Act, there’s no specific statute right now governing pre-settlement funding. That said, the principles of champerty and maintenance—old doctrines discouraging third-party involvement—can still influence legal funding agreements. Always consult your attorney to ensure your funding arrangement is in your best interest.

Who Qualifies for Rhode Island Car Accident Loans?

Most people pursuing legitimate personal injury cases are eligible. We usually require:

An Active Lawsuit: You must be in the process of seeking compensation for your car accident injuries.
Attorney Representation: Having an attorney is crucial; they’ll share case details with us so we can determine the potential value of your claim.

Once we have the necessary information, the approval process moves quickly. Our focus is on your claim’s merits, not your credit score.

Types of Funding We Offer

We understand that each case is unique. That’s why Northstar Pre-Settlement Funding offers:

Car Accident Loans: Receive immediate funds to cover critical bills while your claim is in progress.
Auto Accident Lawsuit Financing: Whether it’s a standard car crash or a more complex multi-vehicle incident, we’ll tailor the funding to your needs.
Cash Advances for Personal Injury Claims: Even outside of car accidents, we can help with other personal injury cases—from slip-and-falls to medical malpractice.

Our goal is to bridge the gap between today’s urgent expenses and tomorrow’s fair settlement.

Covering All of Rhode Island

Whether you’re in the bustling streets of Providence or the quieter corners of Central Falls, we aim to help injured Rhode Islanders statewide. Our service areas include:

Providence – The historic capital, where many of our clients face mounting medical bills.
Warwick – Coastal communities dealing with property damage and lost income after an accident.
Cranston, Pawtucket, East Providence, Woonsocket, Newport, Central Falls – Each of these cities has its own character, but the aftermath of a serious collision can leave anyone in financial distress.

Wherever you are, we’ll work with you and your attorney to expedite funding.

Why Choose Northstar Pre-Settlement Funding

We’re not just another financing option—we’re a partner dedicated to your well-being. Our team has worked alongside countless plaintiffs who needed breathing room to negotiate the best possible settlement. We aim to provide:

Speedy Approvals: We know your bills can’t wait.
Transparent Terms: We lay out rates and fees clearly so there are no unwelcome surprises.
Responsive Support: You’ll speak with real people who understand Rhode Island law and genuinely care about your situation.

Take the Next Step

Financial stress shouldn’t stand in the way of the compensation you deserve. If you’re in Rhode Island and have a pending car accident claim, let us help you move forward with confidence.

Call us at 424-431-5051 to discuss your case, or apply online for a quick, hassle-free review. We’re here to help you secure the financial relief you need—so you can focus on recovery, not on how to pay the next bill.

FAQs

If my car accident happened on a ferry between Newport and Jamestown, does maritime law affect my car acciden loan?

Maritime law may come into play, but Rhode Island negligence rules typically still govern. Most funders review your case under state fault laws. Your attorney can advise if maritime statutes significantly affect liability or potential recovery.

How does Rhode Island’s “pure comparative negligence” rule affect how much I can borrow in a car accident loan?

Under pure comparative negligence, your compensation is reduced by your share of fault. This directly impacts your eligible funding amount, since companies base advances on the expected net settlement. Your attorney can explain how fault influences your case value.

Can I use my car accident loan for alternative treatments not covered by insurance, like acupuncture or chiropractic care?

Yes. Car acciden loans can be spent on any needs, including alternative therapies. Whether it’s acupuncture, chiropractic sessions, or other holistic treatments, you’re free to direct the funds toward anything aiding your recovery and well-being.

If I change attorneys during my lawsuit, do I need to reapply for a car accident loan?

Not always. Notify your funding provider about the switch, and they’ll coordinate with your new attorney to confirm case details. Usually, your existing funding agreement remains valid, provided everyone stays informed throughout the transition.

Are there rules about discussing my Rhode Island car accident loan during depositions or in court?

Funding details are often considered irrelevant to your injury case. Rhode Island doesn’t specifically prohibit discussing it, but most courts won’t allow it to influence liability or damages. Consult your attorney if you’re worried it might come up.

If new legislation affects third-party funding in Rhode Island, can it impact my existing advance?

Most changes aren’t retroactive, so your current agreement usually stays under its original terms. However, new laws could alter future funding requests or settlement negotiations. Your attorney can advise you if legislation emerges while your claim is ongoing.