Pre-settlement funding offers financial relief for those involved in personal injury lawsuits, like auto accidents in Kansas City and semi accidents in St Louis, MO, pre-settlement funding differs from traditional loans. While loans demand repayment regardless of your lawsuit’s outcome, pre-settlement funding in Missouri relieves you from such financial burdens if your case doesn’t win. The application process for pre-settlement funding is driven by the case’s merit rather than your credit score. The amount owed also differs, focusing on the funding amount and amount of time until case resolution.

As an example, a Missouri car accident victim who is struggling to pay mounting medical bills and is unable to work due to injuries sustained in the accident would be eligible for pre-settlement funding. This support helps to alleviate the economic burdens brought on by legal disputes and could offer the victim a financial lifeline during their recovery while awaiting settlement of the case.

How Pre-Settlement Funding Works in Missouri

In Missouri, navigating pre-settlement funding involves understanding specific legal parameters. The state of Missouri endorses a pure comparative fault doctrine, which affects compensation claims following auto accidents, including those in Kansas City and St. Louis.

Pure comparative fault (also known as pure comparative negligence) allows individuals to recover damages even if they’re partially at fault for an accident. Under this doctrine, each party’s liability is determined by their percentage of fault and the plaintiff’s award will be reduced by the percentage of their fault. So, if the plaintiff was found to be 30% at fault and the court awarded them $50,000, they would receive $35,000 (the initial award less 30%).

It’s critical for victims to obtain an understanding of Missouri’s auto accident laws and car accident statutes to optimize their funding requests. This knowledge is vital for all types of auto accidents, including motorcycle, car, and semi-truck accidents throughout Missouri.

There are 3 main steps in the pre-settlement funding process:

1.      Requesting the Funding

Initiating a request for pre-settlement funding in Missouri begins with gathering all accident-related documents, insurance information, and attorney contact details. Once compiled, you fill out a simple application through a reputable Missouri pre-settlement funding provider. Prior to applying for pre-settlement funding, it is important to first discuss with your attorney whether pre-settlement funding is a good option for you and your case.

2.      Receiving the Funding

Upon approval for pre-settlement funding in Missouri, applicants typically receive funds quickly. Distribution methods typically include Western Union, direct deposit or check.

3.      Repaying the Funding

Upon a successful lawsuit settlement in Missouri, repayment for pre-settlement funding becomes due. If the case fails, however, you owe nothing.


Have you been involved in an auto accident in Missouri and need help with pre-settlement funding? Oasis is here to help!

Apply Now

Covered Types of Auto Accidents in Missouri

In Missouri, pre-settlement funding covers a broad spectrum of auto accidents, from minor collisions to severe crashes. Eligibility extends to car and motorcycle accidents in Kansas City and St. Louis, Missouri, and semi-truck accidents in Missouri. This funding solution addresses the immediate needs of those impacted by Missouri auto accidents, whether in a major city or elsewhere in the state, regardless of the vehicle type involved. However, pre-settlement funding in Missouri does not cover incidents involving non-motorized vehicles or boats. This limitation ensures a focus is on auto, motorcycle, and semi-truck accidents.

In Missouri, eligible two-wheel vehicles for pre-settlement funding include motorcycles and motorbikes. Motorcycle accidents in the state of Missouri have surged and are more likely than car and truck accidents, increasing the roadway dangers riders face daily. Kansas City and St. Louis report the most motorcycle incidents, as these areas have a high volume of traffic, leading to more accidents. Often, victims sustain serious injuries, impacting their lives profoundly. The frequency and severity of motorcycle accidents highlight a need for financial safeguards, which pre-settlement funding provides.

Imagine a car accident in St. Louis, MO, where an individual sustained severe injuries due to another driver’s negligence. As medical bills pile up and they’re unable to work, pre-settlement funding allows them to cover expenses while awaiting their lawsuit’s resolution.

Auto accident on the street

Car Accident & Motorcycle Accident Lawsuit Funding in Missouri

Auto accidents in Kansas City and St. Louis often result from double-parked vehicles and busy pedestrian crossings. The rise in motorcycle accidents in Missouri has necessitated enhanced safety protocols and robust legal frameworks for riders.

In Missouri, car accident lawsuit funding applicants need an ongoing case and legal representation. Benefits include swift financial relief without upfront fees.

Semi-Truck Accidents in Missouri

Annual semi-truck traffic in Missouri has risen, increasing the risk of semi-truck-related auto accidents. While regulations aim to mitigate the risk of these accidents, the sheer size and weight of semi-trucks inherently increase accident severity and complexity.

Semi-truck accidents often result in severe injuries. Victims might face a complex legal journey, making pre-settlement funding a crucial form of financial assistance.

How Does Pre-Settlement Funding Work in Missouri?

Those involved in auto accidents, motorcycle crashes, or semi-truck collisions in Missouri often find significant financial relief through pre-settlement funding. This resource, different from loans, offers Missouri residents a non-recourse funding against the expected lawsuit settlement. Unlike loans, repayment hinges solely on the case’s outcome, removing the financial burden if the plaintiff doesn’t win the lawsuit.

The 5 steps in the pre-settlement funding process in Missouri include:

Step 1. Applying for Pre-Settlement Funding

You’ll start by gathering the necessary documents and submitting an application that details your case and financial need.

Step 2. Case Evaluation

The funding company will meticulously appraise auto accident cases, assessing liability, damages, and insurance, to determine funding eligibility and amount.

Step 3. Funding Approval

Approval depends on case merit, with a high success rate for applicants. Qualified applicants receive approval for pre-settlement funding, typically within 24-48 hours.

Step 4. Pre-Settlement Funding Agreement

After receiving approval, you will enter the pre-settlement funding agreement phase. This is the final step before the funds are dispersed, where Oasis Financial obtains signatures from both the plaintiff and their attorney. This agreement assures set terms and conditions and details regarding a payment schedule and rates. Once these documents are signed and in order, the funds are distributed.

Step 5. Pre-Settlement Funding Process

Once approved, disbursement occurs quickly, typically via Western Union, direct deposit, or check, ensuring prompt access to funds.


Have you been involved in an auto accident in Missouri and need help with pre-settlement funding? Oasis is here to help!

Apply Now

Is There a Pre-Settlement Limit?

Pre-settlement funding limits in Missouri are set by the funding company and largely depend on case value and the potential car accident settlement outcome. Some items that affect funding limits include:

  • Strength of your case
  • Potential amount of settlement
  • Your current and future lost wages
  • Your insurance coverage
  • Extent of your injuries
  • Your current and future medical bills
  • Estimated legal fees and court costs
  • Expected case length
  • Any previous funding received, if applicable

Can I Take Out More Than One Pre-Settlement Funding?

Yes, however this is subject to the funding company’s assessment. Some examples of when a person may need to take out additional pre-settlement fundings are:

  • Financial needs were miscalculated
  • Case is taking longer than expected to settle
  • Unexpected medical expenses
  • Additional loss of income has occurred

woman working on a laptop

Pre-Settlement Funding FAQs

Curious about what the risks of pre-settlement funding are? In a nutshell, there is no risk for you. Even so, although pre-settlement funding provides advantages to a plaintiff, there are still important factors to consider before deciding to pursue funding.

What are the Risks of Pre-Settlement Funding?

Pre-settlement funding in Missouri for car accidents and other types of auto accidents is a non-recourse obligation. This means you won’t be responsible for repayment if your case doesn’t win. This greatly lowers your financial risk.


Non-recourse means you owe nothing if your lawsuit does not yield a settlement.

What Is the Probability of Defaulting?

You aren’t at risk of default since Oasis only collects fees if your case wins.

Choosing the Right Pre-Settlement Company

When looking for pre-settlement funding in Missouri, it’s important to ensure that the company you work with has a transparent process, a fast approval timeline, and no hidden fees. If you’re considering pre-settlement funding, ask yourself these questions before pursuing it.

Do You Need Pre-Settlement Funding?

To determine if you need pre-settlement funding, you’ll want to consider certain factors. If any of these apply to you, pre-settlement funding will likely be a good option:

  • You need to stay current on your bills to avoid debt collectors
  • You want to avoid needing to begin repayment as soon as you receive the money as you would with a bank loan
  • You don’t want to have to use all your savings
  • You have lost wages due to serious injuries that have you out of work for a long period

Why Choose Oasis Financial?

For over 25 years, Oasis Financial has been an industry leader that has assisted over 350,000 individuals and families in getting the financial relief they need. We pride ourselves on our excellent reputation and are always on your side. We’re committed to getting you the money you need when you most need it.

Locations for Auto Accident Lawsuit Pre-Settlement Funding in Missouri

Oasis Financial provides pre-settlement funding across all of Missouri, to include:

Kansas City, St. Louis, Springfield, Arnold, Ballwin, Bellefontaine Neighbors, Belton, Blue Springs, Bolivar, Branson, Bridgeton, Cape Girardeau, Carthage, Chesterfield, Clayton, Columbia, Crestwood, Creve Coeur, Dardenne Prairie, Eureka, Excelsior Spring, Farmington, Ferguson, Festus, Florissant, Fulton, Gladstone, Grain Valley, Grandview, Hannibal, Hazelwood, Independence, Jackson, Jefferson City, Jennings, Joplin, Kearney, Kennett, Kirksville, Kirkwood, Lake St. Louis, Lebanon, Lee’s Summit, Liberty, Manchester, Marshall, Maryland Height, Maryville, Mexico, Moberly, Neosho, Nixa, O’Fallon, Overland, Ozark, Poplar Bluff, Raymore, Raytown, Republic, Rolla, Sedalia, Sikeston, Smithville, St. Ann, St. Charles, St. Joseph, St. Peters, Town and Country, Troy, Union, University City, Warrensburg, Washington, Webb City, Webster Groves, Wentzville, West Plains, Wildwood

Work with Oasis Financial

When you work with Oasis Financial for pre-settlement funding in Missouri, you’ll enjoy a fast and convenient application process. If your application is approved, you’ll have funds in as little as 24-48 hours after approval.

Check out our FAQ page for additional information and feel free to contact us to speak with a customer service representative. Our representatives are available to take your call 24 hours a day, seven days a week.

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 SC and CO 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.