How to get a Loan to Pay a Lawyer? Fight on!

When you find yourself in a situation where you need legal representation and you need immediate funds there are companies willing to lend to people for the purpose of securing and paying legal counsel. People with a credit score of a 700 and above are more likely to get approved for a loan to pay a lawyer than those with average credit.

Can You Get a Personal Loan for a Lawyer?

Finding a loan to pay a lawyer for legal expenses is a less viable option for people with poor credit. However, there are lenders willing to provide these types of loans for legal fees to people who are considered a financial risk. These lenders may even lend to people with a credit score of 580. The likelihood of paying a higher APR is increased when securing a loan to pay for legal expenses from these types of lenders.

Pros and Cons for Lawyer Loans

There are several things to consider when deciding whether or not to take out a loan to pay a lawyer. One of the things one must take into consideration is whether or not you can qualify for this type of loan. Loans for the sole purpose of paying legal expenses might pose risks for lenders.

You might have to take into consideration the likelihood that a case you take out a loan against is winnable. Generally, if a case is lost, the person who has taken out the loan may not able to pay it back. In cases where the judgment awarded is less than the amount estimated when the loan was secured, the borrower will still be held responsible for the total sum of the amount borrowed. If it’s a matter of going to jail or not because you’ve committed a crime paying for defense becomes paramount. Getting a loan is a way to get money, but it comes with other handcuffs.

Although personal loan lenders don’t ask what you will be doing with the money. You are responsible for the end result if you are not able to pay back a loan. So, the outcome of your case might put you in a position where it becomes difficult to pay back a loan. So, be aware of the pros and cons of getting a personal loan online to pay a lawyer. Here are some of the other considerations in terms of the pros and cons of loans to pay for legal expenses.

Advantages of Loans to Pay A Lawyer

If a person is distressed because they are in dire straits in terms of their finances, a loan to pay for a lawyer can give them the funds they need to take care of their mortgage or rental payments, automobile loans, medical finance expenses, and other living expenses while their lawsuit is progressing.

Often times people will settle their personal injury case outside of court because they have no other means to afford to maintain their homes and other things that are essential to their daily lives.

Legal expense loans give plaintiffs in this scenario the time they and their legal representation need to reach a settlement, representative of their case in regards to the injuries sustained, their prognosis, and or long or short term disability.

Pre-approval for Loan

Disadvantages of Legal Loans

High-Interest Rates

One of the biggest disadvantages to borrowing funds to pay for legal expenses is the end costs associated. Personal injury cases can be quite lengthy. And can take anywhere from a few months to years before the parties come to an agreement. The interest rates on legal expense loans can vary greatly depending on the factors the lender uses to determine your terms. At the end of the day, a person could pay as much or more than $12,500 in interest on a $25,000 loan (as an example).

Both Parties Assume Certain Risks

In terms of loans to pay for legal expenses, the lender is not the only party at risk. Both the borrower and the lender share a certain amount of risks with these types of loans. Legal expense loans are fairly new products in the financial industry. They have existed since the 1980s. They are loosely regulated, and these types of loans do not have the same types of regulations or over-site imposed as other types of loans.

When people choose to enter an agreement to secure a loan to pay a lawyer, they need to be aware that there are minimal restrictions regarding how much the company can charge in terms of their interest rates, their services, and any of the other terms of the agreement. Persons engaging in these types of agreements need to make sure they read the entire agreement and comprehend it fully before signing.

People should also pay close attention to the language used on the paperwork for the loan, as the verbiage may change from one website to the other. Some companies refer to these types of agreements as loans, while others call them advances.

Lack of Oversight and Regulation

Finding a reputable lender to secure a loan to pay a lawyer can be challenging. Without oversight and mandated regulation of lenders who provide lawsuit loans, it is hard to identify the companies with fair lending practices. Because of this, people who later find they are dissatisfied with the company they choose to do business with or their practices, could find it difficult to seek satisfactory remedies to the issues they raise.

How to Get Help Paying for a Lawyer with no Money

There are several approaches to someone in need of a loan to pay a lawyer with no money. People can find a lender for personal loans to pay for their legal expenses. A loan shop like Loanry, is an online tool people can use to look for short term loan lenders. The service is free. And is a good place for people to start when they have no idea as to the type of lender they should call.

The loan shop lists a number of loan categories people might be interested in pursuing. Loanry is not a direct lender, but a tool people can use to locate a lender. Some of the categories of loans people can search for that could be used to help pay for legal fees include the following: Short term loans, personal loans, personal loans for bad credit, and signature loans.

How to Hire a Lawyer When You Have Low Income

Everyone will face a time when they will need an attorney. Whether it is to secure a loan to pay for a lawyer, or to help them close on a home, or to help resolve a divorce or labor dispute. Sometimes people are deterred from seeking the legal representation they need because they feel they don’t have the ability to pay for them. There are a number of options available for people who find themselves in this situation. Here are some of the ways people can secure the services of the legal councel when they have minimal income.

People can check with the Bar Associations in their local area to see if they can obtain free legal services through a pro bono program. There may be nonprofits that provide pro bono legal services to people in the communities they serve people can check with. There are attorneys in many areas who are willing to take a certain number of cases for free through pro bono programs.

Legal aid is a great source for helping people find attorneys and pro bono programs in their area. To qualify for programs, people generally need to qualify based on a certain set of criteria. Most pro bono programs have an income requirement. Applicants cannot have an income over a certain amount of money.

People who are considered low income can look into the network of legal aid programs in their area. These programs employ legal professionals to provide free services to eligible applicants. These programs are funded by federal grants. Qualification for these types of programs is determined by income. Generally a person’s income must fall below the federal poverty line. People in need of free legal services should contact the legal aid office in their area.

Many states provide legal services through self help clinics. These clinics are set up to connect people who have some knowledge of the law, and are pulling their own case together and legal professionals. People who choose this route of assistance can ask questions in written form or in person. People should arrive at their local courthouse early on the days the self health clinics are open to make sure they are seen on that date. You should also check with their local courthouse to see what days their specific issue is going to be addressed by the experts.

People in need of legal services due to situations like domestic abuse can call a legal hotline in their area for advice. Laws do vary from state to state. So it’s important for people to call the hotline in the state they are in to ensure they receive the correct information. In many cases the services provided through legal hotlines is free. There may be some however, that provide their services at a minimal cost.

Defendants in criminal cases who don’t have access to legal representation due to financial restrictions have the right to legal representation. People in this situation may obtain a court-appointed attorney if their income eligibility is verified.

People who have incomes that don’t meet the qualifications for low incomes services should look for sliding-fee legal programs in their area. These programs are designed to modify legal fees based on income to assist people with moderate incomes. Those needing assistants should contact the bar association in their state for further information.

Many attorneys will prepare and try cases on a contingency bases. This means that they only get paid if they achieve a settlement or a judgement for their client. Many personal injury attorneys work these types of cases.

How to Save Money on Legal Fees

There are a number of ways people can save money on legal fees. Generally, attorneys charge by the hour. People can lessen the amount of time they spend in their attorney’s office if they have all of the paperwork and documentation pertaining to their case organized when they plan to meet their lawyer. Organizing your documentation on a flash drive could also save money on legal fees. People who are in a specific trade and can provide a service that the attorney could use should try to negotiate a bartering deal with the attorney. Some examples of services that could be offered include automotive services, house cleaning services, computer repair or web page design services, and HVAC services.

How to Get Lawyer Loans Online

The first thing people need to do before they begin their search for a loan to pay for a lawyer is to make a determination in regard to how much money they actually need. They will need to consider the cost of their attorney’s fees, their income, the type of loan they wish to apply for and an estimated time for the repayment of a loan for an attorney. Next, they should begin their search for a lender. The next step is to connect with a loan shop to help you find a direct lender. People should then begin filling out loan applications.


The best way to get a loan to pay a lawyer online is for people to be diligent and to do their research. There are many options available to those in need of these types of loans. So people looking for lawyer loans should expect to exhaust a fair amount of time to their search. Because loans to pay a lawyer are fairly new additions to the lending industry. They should exercise patience as they search for reputable lenders.


How Do you Pay for a Lawyer with No Money? Help!

No matter how old you are, what your gender is, or how affluent you are, you may need a lawyer at some point during your lifetime. If you have little to no money to use towards hiring an attorney, you may be wondering how to get help paying for a lawyer. Maybe you just want to pay for a lawyer with no money. Limited finances does not mean that you are just out of luck. For example, if you are charged with a misdemeanor or felony that could result in jail time, you are entitled to representation.

If you demonstrate financial hardship, then the court will assign appointed counsel — a public defender — to represent you. The Miranda Rights officers read to you when they arrest you are no joke; they were created (from a case called Miranda v. Arizona) to protect your constitutional rights. The Miranda Rights state: “You have the right to an attorney. If you cannot afford an attorney, one will be appointed for you.”

How to Get a Lawyer with No Money

Even if you were not arrested and do not need a lawyer to help you avoid jail time, there are many other examples of when you may need a lawyer in your life. If you are having financial difficulties, you may need a lawyer with problems related to bankruptcy. If you have had a chronic disability or a recent medical issue — especially one that occurred at your workplace, you may need a lawyer for help on issues relating to the Americans with Disabilities Act or disability compensation in the workplace.

Maybe you need legal assistance in a variety of other areas, including housing, family law, or immigration. Whatever the reason you are seeking representation, money should not be a reason you cannot get the help you need. There are many places to turn to if you are trying to find out how to get help paying for a lawyer.

Can I Get a Lawyer for Free Through Nonprofit Organizations by State?

If you are looking into options on how to get help paying for a lawyer, you should consider seeking help from nonprofit organizations in your state. There are a variety of organizations that will help you for no fee at all. They will do their work for you “pro bono,” or “for the public good.”

Even if you are not seeking a lawyer for the purpose of legal representation and are just seeking a lawyer to answer questions about your legal rights, you can contact a nonprofit organization in your state for free legal aid.

What is the Maximum Income to Qualify for Legal Aid?

Not everyone is qualified to receive legal aid. If you are having financial needs, you may be able to find a way to pay for a lawyer with no money. For instance, if are on social assistance, you will most likely qualify for legal aid.

You may also qualify for legal aid if you aren’t on social assistance and have a little extra money in the bank, but the rule of thumb is that you are eligible for legal aid if you have little or no money after paying for your monthly essentials — food, shelter, etc.

The type of services you are eligible for depends on your annual gross family income. For instance, if you are a family of 1 and your annual gross income is below $22,270, then you will be eligible for Duty Counsel assistance and summary legal advice, which can be conducted through a toll-free telephone service. In order to take part in the Certificate Program, or Legal Aid Certificate, which includes representation by a private practice lawyer, a family of 1 must have an annual gross income below $14,453.

For domestic violence cases, in order to receive representation under the Certificate Program, a family of 1 must have an annual gross income below $22,270. If your income is higher than the levels of eligibility, then you may still be able to qualify for the Certificate Program if you are below the second set of income levels and enter into a Contribution Agreement. To determine if you are eligible, check the requirements online and then call for a free consultation.

Ask Your Lawyer if They Accept Payment Plans

It is not always possible to pay a lawyer with no money, but you never know until you ask. If you know that you are having financial difficulty and need a payment plan or work done “pro bono,” then communicate these things to your attorney. Most attorneys will not make you pay their full fees up front and many will be willing to discuss a payment plan that will work for you. As long as you pay the agreed-to monthly installments, then there should be no problem in paying in an installment plan.

What Type of Lawyer You Need

One thing to consider is what type of lawyer you need. Many personal injury attorneys work on contingency, which means that they will only receive a fee if the case succeeds. If the case succeeds, then the fee that they earn is determined by a statute, which claims that they will receive a set percentage of what the money client recovers.

On the other hand, if you need a criminal defense attorney, then you need to pay them regardless of the outcome of the case. They cannot promise a certain outcome on your case and, since there are no damages to be recovered, cannot rely on a statute to say how much they will earn. That being said, many criminal defense attorneys, as well as family, immigration, estate, and civil attorneys will work with you, the client, on a payment plan. You may be required to pay a percentage of the fees up front, but then you will be able to pay in affordable installments.

Types of free legal services.

Visit a Law School

If you are a student, then you should seek help from your university. Many universities will have student legal services freely available to all of their students who pay the semester activity fee. Full-time, licensed attorneys, in conjunction with second and third-year law students, will handle your case confidentially, professionally, and with no additional cost to you.

If you are not a student, you can go to a law school for assistance. Many law schools offer pro bono legal assistance to low-income individuals. A law student or recent graduate will handle your case. A lot of law schools encourage their law students to complete a certain number of hours of pro bono work during each year of law school, ie 20 hours per year.

Some law schools may compensate those students with credit, while many adopt the American Bar Association definition of pro bono, which emphasizes law-related services without compensation — including income or academic credit. If you are a low-income individual wondering how to pay for a lawyer with no money, then you should consider seeking representation at a law school.

Get a Legal Loan

If you are not able to pay for a lawyer with no money, then do the next best thing. Get a legal loan. When you get a legal loan, you can pay for a lawyer with no money down. And then you can use the money from the legal loan to pay what you owe for the set up payment plan. If the attorney requires a retainer fee up front, then you may need to consider getting emergency cash loans for a lawyer to cover it.

Emergency cash loans can help you finance those required retainer fees, as well as fixed flat fees. In order to truly pay for a lawyer with no money, you might have to find money from somewhere else. You will technically pay for a lawyer with money, but it will feel like you pay for a lawyer with no money; in the end, at least you would be no worse off than if you had actually had to spend your own money.

What to Know Before Getting a Legal Loan

The most important thing with loans is to know beforehand how much the lawyer is going to charge you. You do not want to take out a loan for more money than you actually need; the larger the loan, the higher the interest you have to pay back later. It is optimal to find a lawyer with no retainer, but if you must pay a retainer, it is better to find a lawyer who only earns their fees, if possible, through a contingency plan.

It could also benefit you to choose a lawyer who has a payment plan that allows you to pay a predetermined fee, so that you know exactly how much you will need to pay them overall. Lawyers who get paid by the hour are not as good to choose when having to pay with a lawyer loan, since you can’t exactly know how many hours the case will require.

Find Ways to Save on Legal Fees

Instead of the idea to pay for a lawyer with no money, consider the idea to pay for a lawyer with less money. How to get help paying for a lawyer always starts with minimizing your cost. It’s not as exciting as the idea to pay for a lawyer with no money, but you will still come out in the end with more than you might have. Above all, make sure that you choose a lawyer that you trust. Lawyers are there to help you, but they are also there for a paycheck. If you choose a lawyer you can trust and follow a few simple steps, you can save some money. Follow these guidelines and reduce your legal fees:

  • Research and Preparation — Before you contact any lawyers, do as much research as you can. Take advantage of the free online help tools and brochures that many organizations have on their websites. Make sure you understand your case, the entire legal process, what kind of lawyer(s) you need, and what the lawyer can do for you. Make sure you have all of the documents your lawyer will need for the case, and organize them so that it is easy to find what you need when you need it.
  • Lower Billable Hours — Many attorneys bill by the hour. If you want to save on legal fees, then decrease the time your lawyer must spend on your case. Do not call them first; wait for them to call you. The time they spend with you on each phone call will count as time you need to pay for, so unless something is very important to the case, do not bother your attorney with a litany of phone calls.
  • Ask Questions — If you do not understand a word or theory, ask your attorney. Do not sign anything that you haven’t read and completely understand. Asking questions when you first realize you do not understand will save you time, and thus money, later when you have to finally ask about what you didn’t understand and now have to catch up your knowledge with everything that has happened since you first became confused.


If you need services from an attorney and are under financial constraints, you may feel overwhelmed. When you are overwhelmed, then try to relax and consider all of the options available to you. If you qualify for legal aid, then you truly can get a lawyer for no money. You could go to a nonprofit organization or a law school for free legal services. If you do not qualify under the guidelines, then you can still find cheaper options or lawyers who are willing to take your case for free to fill their pro bono quota.

If you do not qualify for legal aid, then speak to your attorney about your options. Remember: You don’t know for sure if you can or cannot get help or a payment plan unless you ask. Once you have exhausted all of your options for legal counsel, there are ways to save on legal fees, and if those are still too high for you, then you can apply for a legal and/or emergency cash loan. Don’t give up. Do not forget that you are not alone, and there are options out there for you.


What You Need to Know About Saving Money on Legal Fees

There are many things to consider if you are trying to figure out to save on legal fees. Do as much research as possible before contacting a lawyer. You may be able to use an online service to fill out the necessary forms. Once they are ready, you can file them yourself as long as you are within the necessary guidelines and have met the required deadlines (if any).

If you prefer to use an attorney ask for an estimate. If you have already received an estimate of what their fees will be, short-term cash loans may be an option for you. Personal installment loans will allow you to pay the attorney’s retainer. It could also give you enough left over to pay for a few additional hours if they are needed.

How to Save on Legal Fees

There are many things to consider if you are trying to figure out to save on legal fees. Do as much research as possible before contacting a lawyer. You may be able to use an online service to fill out the necessary forms. Once they are ready, you can file them yourself as long as you are within the necessary guidelines and have met the required deadlines (if any).

If you prefer to use an attorney ask for an estimate. If you have already received an estimate of what their fees will be, short-term cash loans may be an option for you. Personal installment loans will allow you to pay the attorney’s retainer. It could also give you enough left over to pay for a few additional hours if they are needed.

Ways to Save on Attorney Fees

There are different ways to cut your legal costs. Especially if you are willing to do part of the research for your case. Another solution is to look up how to save on legal fees in advance. For simple cases that won’t require a lot of time, ask your attorney for a flat-fee arrangement. Personal injury cases may be able to be paid for through the use of contingency fees.

This means your attorney will take part of your settlement as their payment. Choose a lawyer you trust. Limit the number of times you call your attorney. Each phone call adds to your bill so wait and let your attorney contact you.

The Most Common Types of Fee Arrangements

Consultation Fee
Flat Fee
Hourly Rate
Contingency Fee
Retainer Fee
Statutory Fee
Referral Fee

Tools to Save Money on Legal Fees

When you are considering how to save money on legal fees, there are a few tools you can use. Are you in a line of work that the attorney could possibly use? You might be able to lower your fees by offering your services in trade. You can also create a digital file of all of the documents your attorney will need to present your case.

Collecting all of the documents in advance and organizing them so they are easy to use will save you both time and money in the long run. Be aware of what the legal process is and understand every aspect of your written agreement. Ask questions so you know for a fact what you are signing.

What Is the Normal Fee for a Lawyer?

When dealing with attorney’s fees, it’s a good idea to break them down so that you know exactly what your money is paying for. For example, if you are paying your attorney with contingency fees, learn up front what percentage they will take out of your settlement. In most cases, this can range from 25% to 40%.

The amount of money you pay your attorney depends on when you file the lawsuit. If you settle the fees before a lawsuit is filed, it will often be lower than if you settle after the lawsuit is ended. By settling before you can limit the amount they collect to one-third of your settlement. If you wait until after the lawsuit is over, they can take as much as 40%.

Cost and expenses that are incurred during the representation of your case will also be part of the fees. If you settled prior to your lawsuit being filed, the attorney’s fees will be limited to the 30% that both parties agreed on. If you waited till after the close of the case, the additional costs and expenses will be taken separately.

This means you could lose an additional 10% to 15% of your earnings to the attorney. Once the case is finished, the attorney will receive the check. It will be deposited into a trust account and you will be paid your settlement by the attorney. This ensures the attorney is paid for their services and that you get the amount agreed upon when you first hire them.

Handshake between two businessmen.

How to Get Help Paying for a Lawyer?

When you are trying to figure out how to save on legal fees, you are also probably wondering how to get help paying for a lawyer for their services. Cash loans bad credit aren’t always a good mix. You can try and finance your legal fees with short-term cash loans. You may have to pay a higher than average interest rate but at least they will be paid up front and you won’t have to worry about where to come up with the money after your case is closed.

If you plan on paying for your attorney with short-term loan, you will want to discuss how much time and money your attorney estimates will be involved in pursuing your case. Financing your legal fees is a sound decision if you know how much it’s going to cost in advance. If the case is simple and not expected to be contested, the retainer you pay up front may be all you need to worry about.

Can You Get a Personal Loan for a Lawyer?

Knowing how to save on legal fees will help you when it comes to finding ways to pay for your attorney. Personal loans to pay for an attorney are available for the right type of case. Divorces, Last Will and Testaments, and legal contracts are cases that are fairly basic as long as all of the parties are in agreement. If you want to get a personal loan to pay your lawyer, the first step is to shop around.

Check out the fees and interest associated with different third-party lenders and compare them carefully. Once you find one that you think will work for you, apply for the amount you will need to cover your attorney fees. Don’t ask for more than what is needed. You don’t want to put yourself in debt any more than what is absolutely necessary. Once you’ve been approved, you can take the money to your attorney and pay for your fees up front.

Final Thoughts

Finding the money to pay for your attorney may take a little work but it isn’t impossible. Once you know what your money will be paying for and what your options are in terms of how your attorney is willing to be paid, it will get easier. Learning how to save on legal fees from the beginning will also help to eliminate some of the pressure you may feel.

Take the time to discuss your options with your attorney. Ask as many questions as you need to. So that you feel comfortable with how the payment arrangements will work. Offer to help however you can and then step back and let your attorney do their job. After all, that is what you are paying them for!