Getting into a serious car accident can throw your life off course. Dealing with mounting medical bills, lost wages, rental cars, and the stress of recovery, all while waiting for your lawsuit to play out, can be both emotionally and financially overwhelming.
If you’re pursuing a personal injury claim after a California car accident, you may be wondering how to stay afloat financially while your case is still pending. Pre-settlement funding can give you access to a portion of your potential settlement before your case concludes, providing crucial breathing room when expenses start piling up. (Note that this is sometimes incorrectly referred to as a “lawsuit loan” but, unlike a loan, this type of funding doesn’t require repayment if you don’t win your case.)
Discover how pre-settlement funding in California works for auto accident cases, what kinds of injuries and claims qualify, and how you can tell if you’re eligible. We’ll also explain how Oasis Financial stands out as a pre-settlement funding company in the state.
Types of Injuries That Typically Lead to Compensation
Not every car accident results in a personal injury claim that qualifies for pre-settlement funding, but when your injuries are significant, this funding option becomes more feasible. Some of the injuries to watch for include:
- Whiplash, neck or back injuries (especially those needing physical therapy or treatment over time)
- Broken bones, fractures, or reconstructive surgery
- Soft-tissue injuries that require ongoing care (e.g., shoulder, knee, hip)
- Traumatic brain injury (TBI), concussions, or head injuries
- Spinal cord injuries or nerve damage
- Permanent disabilities or impairment that affect your ability to work
What to Look For
What you want to look for is whether your injury is serious enough that you’re either out of work, facing long-term treatment, or seeing a significant change in your lifestyle. If so, litigation becomes a realistic path, and pre-settlement funding can be a tool you use to maintain financial stability during that process.
Some case examples that would have a high chance of qualifying for funding because the injury and case severity line up with what funders are looking for might include:
- A California car wreck on the 110 Freeway in L.A. leaves the plaintiff with neck pain and needing physical therapy for months.
- A multi-car collision on Highway 101 near San Francisco causes the plaintiff to miss work while they heal.
- A chain-reaction accident in San Diego results in the plaintiff having to get knee surgery and being out of work with no income for several weeks.
Auto Accident Claims in L.A., San Diego & San Francisco
Auto accident claims can look different across California’s busiest cities, but pre-settlement funding offers one consistent advantage: fast financial relief when you need it most.
Los Angeles
In the L.A. metro area—with freeways like the 405, 101, and 10—accidents are common, and plaintiffs often face costly medical bills and lost time from work. If you’ve been injured in L.A. and filed or are filing a claim, pre-settlement funding in Southern California can help cover your rent, car repairs, medical co-pays, or other pressing personal expenses. At the same time, your attorney works on a settlement.
San Diego
In the San Diego market, whether it’s an accident on the I-5 or a work commute mishap, the same rules apply. Accessing funding early provides more time to let your case reach its full value, rather than feeling the need to settle too soon.
San Francisco / Bay Area
In San Francisco and the greater Bay Area, traffic congestion, multi-vehicle pile-ups, and complex liability issues often lead to longer-term claims. Because the timeline is extended, pre-settlement funding in Northern California, which comes ahead of your settlement, can offer much-needed financial relief.
Have you been involved in an auto accident in the state of California and need help with pre-settlement funding? Oasis is here to help!
Why Oasis Financial Stands Out
When you’re comparing pre-settlement funding companies, there are three pillars that define Oasis Financial’s approach and what we believe set us apart.
1. Fast Service
Time matters. Bills don’t wait, rent doesn’t pause, and groceries still need to be bought. That’s why we designed our process for speed. From the moment you submit your application to the moment we say “funds approved,” we work as efficiently as possible, so you’re not left waiting. Quick turnaround means you can stay focused on recovery, not worrying about how you’ll keep up with your bills and daily living expenses.
2. Customer-Focused & Friendly
We know this is likely your first time facing something like this. You’re not just another case file to us. You’re a real person dealing with real stress, real injury, and real life. Every member of our team prioritizes talking through the process clearly, answering your questions patiently, and treating you with respect.
3. Wider Availability
Unlike some companies that only serve select states or regions, we offer coverage across many states, including California’s major markets of Los Angeles, San Diego, and San Francisco. This way, geography is less likely to be a barrier to you getting help.
How You Qualify: What It Takes
To be eligible for pre-settlement funding in a California auto accident case, here are the key criteria:
- You must have an active personal injury claim arising from a car crash (in Los Angeles, San Diego, San Francisco, or elsewhere in California).
- Your injury must be sufficiently serious, with documented medical treatment, work impact (lost wages or inability to work), or a prognosis that supports future recovery costs.
- The other party (or parties) must bear liability for the accident (or at least liability must be contested in a way that supports the claim).
- Your attorney must be actively working on the case (pre-funding companies will always coordinate directly with your law firm).
- You must reside or have your case in a state where we’re authorized to provide funding. In this case, California is covered.
If these elements are in place, you’re likely in the ballpark for eligibility. The next step is a short application and case review. And because the process is designed to be fast, you could receive funds sooner than you might think!
Next Steps
If you’ve been in a car accident in California and your life has been interrupted by medical treatment, lost income, or legal complexity, pre-settlement funding can provide crucial relief. At Oasis Financial, we build our service around delivering fast service, friendly support, and broad availability in California. Our goal is to make sure you don’t have to settle early just because you feel financially pressured.
Check out our FAQ page and, when you’re ready to take the next step, fill out our short online application, and get clarity on how much you may qualify for.
The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. No attorney-client or confidential relationship is or will be formed by use of the site. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction.
Oasis provides pre-settlement funding, also known as consumer litigation funding, to its customers through different products depending on their state of residence or cause of action. Many consumers will be provided pre-settlement funding in the form of a purchase agreement, which assigns a portion of the pending proceeds from their legal claim. Other consumers, such as those in CO, CT and SC will be offered a funding in the form of a pre-settlement loan, sometimes referred to as a lawsuit loan. These transactions have important differences, therefore, consumers should carefully review and be aware of the type of transaction that is offered to them by any funding company.