State rules
Funders activeCase Equity in Arizona.
ClaimAngel funders are active in Arizona. One set rate: 27.8% simple, 2x cap at 46 months. If you don't win, you owe nothing back.
The industry calls this pre-settlement funding, legal funding, or a lawsuit loan. We call it Case Equity.
The short version
You can get funding in Arizona. The state's financing law covers money for lawsuit costs, not money for living expenses like rent and medical bills.
The facts
What Arizona law says.
As of July 14, 2026
Arizona regulated commercial litigation financing in 2025 but expressly carved consumer living-expense funding out. SB 1215 (Laws 2025, Chapter 226), effective January 1, 2026, requires parties to disclose covered financing agreements and bans financier control of litigation, but its definition of litigation financing excludes money provided to a named party exclusively for personal and family use. Consumer pre-settlement funding for living expenses is therefore outside the statute.
What the law does
For covered third-party litigation financing: parties must disclose within 30 days whether they or their counsel entered a financing agreement and name the financier. Financiers may not direct or influence litigation decisions, counsel selection, or settlement. Agreements financed by a foreign entity of concern are prohibited. Violations are consumer fraud offenses and agreements are void or voidable.
The consumer carve-out
Payments to a named party are excluded from "litigation financing" when "provided exclusively for personal and family use and... provided on condition that they are not to be used for legal filings, legal document preparation and drafting, appeals, creation of a litigation strategy, drafting testimony or other expenses directly related to litigation." (A.R.S. § 12-3451) Living-expense funding sits outside the statute.
Charges and registration
No rate caps and no registration requirement, for covered financing or otherwise.
For plaintiffs
- Money for rent, groceries, and medical bills during your case is outside Arizona's financing statute by its own text. Money for litigation costs is what the disclosure law covers.
- Arizona draws the same line North Carolina drew: by use of funds. Arizona regulates the litigation-cost lane; North Carolina banned it.
For law firms
- Covered financing agreements must be disclosed to other parties within 30 days. Confirm which side of the personal-and-family-use line any funding in your cases sits on.
Sources
- SB 1215, Laws 2025, Chapter 226, Arizona Legislature (accessed July 14, 2026)
- A.R.S. § 12-3451, Arizona Revised Statutes (accessed July 14, 2026)
For educational purposes only, not legal advice. Laws change and courts reinterpret them. Check the dated sources on this page, and talk to a lawyer licensed in your state about your own case.
The questions
Arizona funding, asked plainly.
Is pre-settlement funding legal in Arizona?
Yes. You can get funding in Arizona. The state's financing law covers money for lawsuit costs, not money for living expenses like rent and medical bills. On ClaimAngel it is offered as Case Equity: one set rate, a hard cap, and nothing owed if you lose.
Can I get a lawsuit loan in Arizona?
What the industry calls a lawsuit loan is not a loan: a loan bills you monthly and follows you if you lose, and this does neither. The accurate name for the modern product is Case Equity, money drawn from the value your case already holds. You can draw on your Arizona case through ClaimAngel today, with no credit check and nothing owed if you lose.
How much does legal funding cost in Arizona?
Arizona does not set a state-specific price cap. On ClaimAngel the rate is public and the same everywhere we serve: 27.8% simple annual interest, never compounding, with a hard cap at 2x the draw plus financed fees. The calculator shows the exact payoff for your numbers, to the penny.
Is pre-settlement funding a loan?
No. A loan follows you if you lose and bills you along the way. Case Equity is non-recourse: money from the value of your case, repaid only out of a winning settlement. Lose the case, keep the money, owe nothing back.
What happens if I lose my case?
You owe nothing back. Non-recourse is the product, not fine print: the draw is repaid only from a settlement or judgment in your favor.
Ready when you are. Same set rate for every Arizona case, and nothing owed if you don't win.