Is a Car Accident Loan Right for You?

Applying for a car accident loan through Wilcox Funding makes sense when there’s a clear gap between your current financial situation and the expenses you’re facing due to your accident. If you’re waiting on a settlement but struggling to cover medical bills, rent, or daily costs, our funding can help you stay afloat.

You may have already received an initial offer from the at-fault driver’s insurance company, but it doesn’t come close to covering the full extent of your damages. In these cases, it’s smart to apply for pre-settlement funding early, especially if negotiations are expected to drag on or move to court.

You can also start the application process while liability is still being determined or you’re waiting to find out who is responsible for paying your claim. Whether it’s the at-fault driver or their insurer, this process can take weeks or even months—time you may not have financially.

If you’ve run out of savings or credit options and still need to pay for essentials, Wilcox Funding is here to help. Our accident loans are designed to bridge that gap, giving you peace of mind and the financial strength to pursue the compensation you deserve.

When to Apply for a Car Accident Loan?

Wilcox Funding offers car accident loans to help cover urgent expenses while your claim is pending. It makes sense to apply for a car accident loan if:

You Need Help with Vehicle Repair Costs

When filing an insurance claim after a car accident, many people are surprised to learn their policy doesn’t cover all the damage—or that payouts are delayed. This can leave you without the repairs or transportation you need right away.

At Wilcox Funding, our car accident loans can help cover expenses like new tires, windshield replacement, or other essential repairs your insurer may deny or delay. If your car is totaled, funding can also be used to rent or purchase a replacement vehicle—so you’re not left stranded while waiting on your settlement.

Your Medical Bills Exceed Your Out-of-Pocket Maximum

Even if you have insurance, your medical bills may exceed your deductible or out-of-pocket maximum—leaving you with expenses you can’t immediately cover. Without a car accident loan, you might have to wait until your case settles to get any financial relief.

With Wilcox Funding, once you’re approved, you can receive funds quickly. This allows you to pay off medical bills now and seek reimbursement later when your case is resolved.

You Have Medical Bills That Need to Be Paid Immediately

If you’ve been seriously injured in an accident and need emergency medical care, a car accident loan from Wilcox Funding can help cover those critical expenses without waiting on an insurance payout or settlement. In urgent situations—like head injuries or concussions—delaying treatment can lead to worse outcomes. Our funding gives you fast access to the cash you need for co-pays, procedures, and other medical costs, so you can prioritize your health without added financial stress.

Disability Payments Don’t Cover Your Lost Wages

If you’ve been seriously injured in a car accident and are unable to work, you may be relying on Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) for support. However, these payments often fall short of what you were earning before the accident, leaving you with a financial gap—especially as medical bills and household expenses begin to rise.

A car accident loan from Wilcox Funding can help bridge that gap. Our pre-settlement funding gives you fast access to the money you need while waiting for your case to resolve, helping you cover the costs that SSDI or SSI may not fully support.

Get the Support You Deserve

If your lawsuit is causing financial stress, Wilcox Funding is here to help. We make sure injury victims don’t have to choose between justice and survival. Apply online today or contact us to learn more about how applying for a car accident loan can work for you—just call (725) 302-4900 or email us at getfunds@wilcoxfunding.com.