What a Structured Settlement Cash Advance Really Costs You
A structured settlement cash advance is legal only with a judge’s approval — and a 2026 personal loan near 12% APR often costs far less.

A structured settlement cash advance is legal only with a judge’s approval — and a 2026 personal loan near 12% APR often costs far less.

Lump sum vs structured settlement: the 2026 NPV math reveals what break-even return rate you need before a factoring offer makes financial sense.

Structured settlement discount rates run 9%–18% in 2026. Court approval is required in 49 states — see the process and your net proceeds before signing.