When trying to decide whether Pegasus Legal Capital or Oasis Financial is right for you, it’s important to understand how these companies provide pre-settlement legal funding for personal injury plaintiffs who are waiting for their cases to resolve.
If you’re in the middle of a lawsuit, waiting for a settlement can feel like an uphill battle. Bills pile up, medical treatment continues, and lost income only adds to the stress. But pre-settlement funding gives plaintiffs a financial lifeline while their case works its way through the legal system.
Two of the biggest names in the industry are Pegasus Legal Capital and Oasis Financial. Both companies provide non-recourse cash advances, meaning repayment is only required if you win or settle your case. But which option is right for you? Keep reading to find out.
What Is Pre-Settlement Funding?
Before diving into the company comparison, it helps to understand exactly what pre-settlement funding is—and what it isn’t.
Not a Loan
Unlike traditional loans from a bank or credit union, pre-settlement funding is not based on your credit score, income, or collateral. Instead, it’s an advance against the settlement or judgment you expect to receive from your lawsuit.
Non-Recourse Funding
Both Pegasus and Oasis offer non-recourse funding, which means you are only required to repay if your case is successful. If your lawsuit is unsuccessful, you’ll owe nothing. This is very different from a loan, where repayment is required no matter what happens with your lawsuit.
Why People Use It
Legal cases—particularly personal injury cases—can drag on for months if not years. During this time, many plaintiffs are unable to work due to their injuries, yet they still face expenses that continue to climb. Pre-settlement funding helps in the following ways:
- Covering rent or mortgage payments
- Paying for medical treatment
- Keeping up with utility bills
- Handling day-to-day living expenses
For example, someone injured in a car accident might be unable to work, but they still have to attend regular physical therapy appointments. Pre-settlement funding can give them the breathing room they financially need until their case is resolved.
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Pegasus Legal Capital Overview
Pegasus Legal Capital has been helping plaintiffs since 2007. The company emphasizes speed, transparency, and nationwide service. Unlike some competitors, Pegasus makes its terms clear upfront, giving applicants a better sense of what to expect.
Key Features of Pegasus Legal Capital
When you’re comparing funding companies, details matter. Pegasus sets itself apart through clear terms, faster timelines, and customer-focused protections that many competitors don’t offer.
- Published interest rates: Rates for some types of funding start as low as 1.67% per month, which is stated clearly on Pegasus’s website. This transparency helps you understand costs from the beginning.
- Best rate guarantee: If another company offers you a lower-cost advance for the same case, Pegasus will either match it or pay you a bonus.
- Fast approval: Application reviews can be completed in as little as four to six hours. Once approved, funds are usually disbursed within 24 to 48 hours.
- Nationwide service: Pegasus Legal Capital operates in most states with fewer restrictions than competitors.
- No upfront costs: You don’t owe anything unless your case resolves successfully.
Why This Matters
If you’re already under financial stress, clarity and speed can make all the difference. Knowing exactly what your interest rate is—and being guaranteed the lowest available rate—means you can make informed decisions without the fear of hidden costs.
Oasis Financial Overview
Oasis Financial is also a well-established provider in the pre-settlement funding space, focusing heavily on personal injury and civil litigation cases. Here’s what Oasis offers:
- Non-recourse funding, meaning you’ll only have to repay if you win or settle
- Case types include car crashes, medical malpractice, slip and falls, and workers’ comp
- Disbursement of funds, typically within 24 to 48 hours after approval
- Claims of transparent terms and no hidden fees
- High approval rates for a qualified plaintiff
Limitations of Oasis Financial
While Oasis serves many states across the country, it excludes or restricts pre-settlement funding in Arkansas, Connecticut, Kansas, Kentucky, Maryland, Montana, North Carolina, and West Virginia.
Another key drawback is the lack of published interest rates. While Oasis advertises competitive rates, applicants can’t see specific numbers until after applying. For plaintiffs under financial strain, this lack of clarity can feel like a gamble.
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Side-by-Side Comparison of Pegasus Legal Capital and Oasis Financial
When comparing Pegasus Legal Capital and Oasis Financial, several important distinctions stand out. Here’s a closer look at how Pegasus and Oasis compare:
- Funding type: Both companies provide non-recourse cash advances, meaning you only repay if you win or settle your case.
- Interest rates: Pegasus publishes its rates upfront. Oasis, on the other hand, advertises competitive rates, but the company does not provide specifics on its website.
- Rate guarantee: Pegasus offers a Best Rate Guarantee, promising to match or beat competitor offers. Oasis does not provide a rate guarantee.
- Approval time: Pegasus reviews applications in as little as four to six hours, and they typically provide funds within 24 to 48 hours. Oasis promotes quick approvals but does not commit to a specific timeline.
- Fees: Pegasus is transparent about having no upfront fees and provides clear disclosures. Oasis also claims transparency but publishes fewer details on its site.
- State coverage: Pegasus operates nearly nationwide with fewer restrictions, while Oasis excludes several states, such as Arkansas, Connecticut, Kansas, Kentucky, Maryland, Montana, North Carolina, and West Virginia.
- Experience: Pegasus has been serving plaintiffs since 2007 and has helped more than 15,000 clients. Oasis is also an established company, but it primarily highlights its broad focus on personal injury cases.
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Why Choose Pegasus Legal Capital vs. Oasis Financial for Funding?
When choosing between Pegasus Legal Capital and Oasis Financial, the similarities are clear. Both offer non-recourse advances, quick access to funds, and support for plaintiffs across the country.
But as we said before, the differences are what matter:
- Pegasus publishes its rates upfront, while Oasis does not.
- Pegasus offers a Best Rate Guarantee, but Oasis does not.
- Pegasus promises faster approvals, and Oasis does not specify.
- Pegasus serves more states, while Oasis excludes several.
If you’re already facing the uncertainty of a lawsuit, the last thing you need is uncertainty in your funding. Pegasus provides transparency, speed, and broad availability—giving you confidence at a time when you need it more than anything.
Contact Pegasus Legal Capital ASAP to Learn More
If you’re deciding between Pegasus Legal Capital and Oasis Financial, you don’t have to make an uninformed guess. Managing your finances while waiting for a settlement can feel stressful and uncertain, but you don’t have to pick a provider at random and hope it works out.
Instead, reach out to Pegasus Legal Capital. Since 2007, Pegasus has helped more than 15,000 clients secure funding while waiting for their settlements. With published rates and a Best Rate Guarantee, Pegasus also has one of the fastest approval processes in the industry.
Don’t let financial stress overwhelm you while your case is pending. Contact Pegasus Legal Capital today to learn more about your options and secure the financial relief you need—quickly, transparently, and confidently.
Your pre-settlement funding consultation is free — contact us today!