Company Profiles

Oasis Financial Overview and Alternatives

Date Published: Dec 06, 2022
<?php echo $this->pageTitle; ?>, author at <?php echo Yii::app()->name; ?>
<?php echo $this->pageTitle; ?>, author at <?php echo Yii::app()->name; ?>
Listen minutes

Oasis Financial provides pre-settlement funding to individuals pursuing legal action for injury-related losses. Before the case is settled, consumers may need funds to pay for medical expenses, lawyers, and emergencies. As a result, pre-settlement financing through Oasis Financial can help fill in those gaps. 

Request a Loan Today*
By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Site Use.
*By filling out the form above, you will be routed to’s loan request form.

Oasis Financial was founded in 2003 by two attorneys. The company aims to provide pre-settlement funding to clients who need to cover expenses that stem from their injuries. Rather than waiting for your case to settle to receive your compensation, Oasis Financial may help you access your funds ahead of time. 

Clients are free to request online or over the phone. Oasis Financial is a licensed lender in Alabama, Illinois, Missouri, Nebraska, Nevada, Oklahoma, and South Carolina. 

Products and Services

Oasis Financial primarily offers pre-settlement financing for various types of personal injury cases. Additionally, they provide structured settlements and inheritance funding.


Pre-settlement funding

An advance you can receive from your legal settlement

Structured settlement

An advance from monthly settlement payments

Inheritance funding

An advance of money that is in probate


Auto accidents

Cases involving small passenger cars, semi-trucks, drivers, and passengers

Workers’ compensation

Injuries sustained at work

General negligence

Injuries resulting from improper care of property or possessions

Slip and Fall

Injuries that result from undisclosed property hazards

Wrongful Death

Loss of a loved one due to negligence

Workplace negligence

Workplace injuries that result from negligence

Construction negligence

Injuries resulting from unsafe construction sites and equipment

Pedestrian injury

Injuries from vehicle collisions or unsafe road conditions

Rates and Fees

Oasis Financial offers pre-settlement financing from $500 to $100,000. Typically, the pre-settlement amount is 5% to 10% of the final settlement amount. As a result, cases with a higher final amount can receive more in pre-settlement financing. 

The rates and fees are based on your settlement amount and the specifics of your case. However, nothing is paid out of pocket. Oasis Financial recoups its expenses once you receive your final settlement. If you do not win your case, then you owe nothing.

How To Request for a Loan with Oasis Financial

Oasis Financial has a secure online request process that aims to provide fast processing and disbursement.

Step 1. Complete the request form

Complete the request form with personal and case information. This includes the name of the law firm handling the case and the lawyer’s information.

Step 2. Review

Oasis Financial will review the case and consult with your attorney. As a result, the lender may request documents pertaining to your case.

Step 3. Payment

If you qualify for pre-settlement funding, you may receive financing in as little as one business day.

Pros and Cons of Oasis Financial

Depending on your financial and personal needs, Oasis Financial may have products and services you can benefit from. Consider these pros and cons of the company:



Fast review and funding

Offers limited financing options

Works with your attorney

Fees and rates are not disclosed on the website

You are not obligated to pay Oasis Financial if you don’t win your lawsuit

Only offers financing for personal injury cases


What Is Oasis Financial?

Oasis Financial is a lender that offers pre-settlement financing, structured settlements, and inheritance funding. Pre-settlement funding can help you access your settlement funds before your case has been finalized. Additionally, this type of financing can help you cover injury-related medical costs, loss of income, or attorney fees.

Oasis Financial also helps its clients obtain structured settlements. If you receive monthly settlement payments, the company can assist you in getting those funds earlier. 

Additionally, Oasis Financial may help you collect inheritance financing faster. They may provide funding while your inheritance is in probate. 

What is the Minimum Credit Score That Oasis Financial Will Consider?

Oasis Financial may not consider credit scores when determining eligibility. Instead, eligibility for pre-settlement financing depends on your case. Oasis Financial will work with your lawyer to review and decide the merits of your claim.

What if I Miss a Payment?

Unlike traditional loans, pre-settlement financing is not repaid in installments. Instead, the money is paid to Oasis Financial from your final settlement amount. If your case does not win and you receive no settlement, you are not required to pay anything back.

Is Oasis Financial Safe?

Oasis Financial is a reputable lender. They have been accredited by several rating agencies. Additionally, they have multiple positive ratings on consumer reporting websites.

How Much Does Oasis Financial Charge?

Oasis Financial does not have its pricing listed on its website. Instead, its pricing depends on your case and the final settlement amount. There are no upfront or out-of-pocket charges. As a result, Oasis Financial is repaid once your claim has settled.

Can I Get an Oasis Financial Loan if I am Not Employed?

Since Oasis Financial offers pre-settlement financing, they are primarily concerned with the merits of your case. As a result, less emphasis may be put on your finances and credit history. Instead, Oasis Financial works with your lawyer to assess your eligibility based on your case documents. 

How Many Times Can You Take Out a Loan?

If there are changes to your case, you can request additional funding from Oasis Financial. However, you will need to submit the new documentation for review.

Similarly, this information will be verified and discussed with your attorney to determine eligibility for additional funds.

Alternatives to Oasis Financial

If you are looking for payday loans or installment loans, there are several alternative lenders to Oasis Financial. Consider your needs as a consumer before committing to a lender.


  • If you’re looking for a payday or installment loan: Check ‘n Go
  • If you’re looking for short-term, small-dollar loans: Spotloan
  • If you’re looking for more financial products: Check Into Cash

Check ‘n Go

Check ‘n Go is a reputable lender that offers online and in-store payday and installment loans.

The company was started in 1993 and has over 1,000 stores across the U.S. Check ‘n Go offers loans up to $5,000 with three-to-18-month terms. 

Additionally, Check ‘n Go may consider finances alongside credit history when determining eligibility for loans. As a result, consumers with low credit score may obtain financing. Moreover, Check ‘n Go may accept alternate forms of income, such as Social Security, disability, and Supplemental Security Income. If you are unemployed, Check ‘n Go may still consider you for a loan.


Spotloan offers small-dollar loans ranging between $300 and $800. These loans have short repayment terms, and APR is capped at 490%. Spotloan provides a secure online loan request process. Additionally, eligibility may be based on income and credit score. Therefore, the lender may offer funds to consumers with damaged credit. Moreover, Spotloan reports repayments to the major credit bureaus, which can help low score holders build their credit. 

Spotloan provides financing to consumers in Alabama, Alaska, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

Check Into Cash

Many lenders are limited in product and service offerings. Therefore, Check Into Cash can be a great alternative if you are looking for a wider range of options. Check Into Cash offers title loans, lines of credit, check cashing, and money orders. Additionally, if you prefer to complete your loan request in-store, Check Into Cash has over 650 stores in Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

Bottom Line

Oasis Financial provides pre-settlement lending to clients looking for emergency financing before their case finalizes. Pre-settlement funding can offer you funding for an attorney or medical fees as you pursue a personal injury lawsuit. Oasis Financial does not require any up-front or lump sum costs. Instead, they work with your attorney to determine the merits of your case and only recoup costs from your final settlement. If you do not win your case, Oasis Financial does not require repayment. Alternatively, Oasis Financial may not be the right lender if you are searching for a payday or installment loan. It is best to consult your attorney before submitting a request for pre-settlement financing through Oasis Financial.

You may be interested in these blogs, too:

Ana-Maria Sanders, author at OpenLoans
Lead Writer
Ana-Maria Sanders is a highly-regarded writer with over a decade of expertise in the personal finance sphere, specializing in loans and credit cards.
Follow me: