Get Cash for Your Structured Settlement Today
Turn future structured settlement or annuity payments into a lump-sum cash offer- fast, transparent, and court-approved.
What is the Process for Selling My Structured Settlement?
1. Know What You're Owed
Use our Structured Settlement Calculator to estimate how much your structured settlement or annuity payments are worth today. Knowing your future payment value helps you understand the potential lump sum amount a buyer may offer.
2. Find a Suitable Purchasing Company
Compare top companies that buy structured settlements. Look for firms offering competitive quotes, fast approval times, and transparency throughout the process. At My Settlement we keep a list of Best Structured Settlement Purchasing Companies.
3. Complete the Paperwork
Structured settlement transfers require standardized documents to verify your agreement. You’ll submit identification, payment schedule details, and sign a purchase agreement. Once you’ve completed the necessary documents, many companies offer signing bonuses and other incentives to assist you before your transaction is finalized. At My Settlement we keep an up-to-date list of Top Structured Settlement Companies That Offer Bonuses.
4. Gain Approval From a Judge
Most states require a judge to approve the sale of a structured settlement or annuity. This protects your best interests and confirms you’re making a financially informed decision. If you have questions about this process you should check out our article on Why Do I Need Court Approval to Sell My Settlement?
5. Receive Your Money!
Once approved, the transfer is finalized and your lump sum payment is released. It’s that simple — you’ve now turned future payments into cash. Congratulations!
Upfront Cash You Need
We bridge the gap by providing upfront funds before your transaction is finalized
Court Approval Experts
Our team boasts an industry-leading 98% approval rate.
No Hidden Fees
No hidden costs, fees, or surprises. Every detail of your transaction is disclosed upfront
Funds in Your Hands, Fast
Once approved, most clients receive their lump sum in just days!
01
Submit our simple online application, or call our team. No credit checks, no hidden fees, and it takes just minutes.
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We review your payment schedule and provide a firm cash offer within 24–48 hours. Clear terms, no obligation.
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Upon court approval, receive your lump sum quickly. Use your cash for any goal—debt, home, business, or peace of mind.
Structured Settlement FAQs
How do I sell my structured settlement payments?
Start by submitting your payment details (amount, frequency, and remaining payments). You’ll receive a cash offer based on your schedule. If you accept, a purchase agreement is prepared and your sale is submitted to the court for approval. After the judge signs the order, funds are released as a lump sum.
Do I need court approval and how long does it take?
Yes. Federal and state laws require a judge to approve the sale to confirm it’s in your best interest. Timelines vary by state and court calendar, but most transactions fund a few weeks after documents are signed and the hearing is completed.
How much cash will I get for my payments?
Your offer is based on the present value of your remaining payments using a discount rate that reflects interest rates, timing, and risk. Larger, sooner payments usually produce higher offers. Use our calculator for an estimate, then request a firm quote based on your schedule.
Can I sell only part of my settlement (some payments)?
Yes. Many sellers choose a partial sale—such as a set number of monthly payments or a portion of each payment—so they receive cash now while keeping some future income. Your buyer will structure the transfer to match your goals and submit it for court approval.
Need Cash From Your Settlement Today?
Get a firm lump-sum cash offer within 24–48 hours. Transparent terms. Fast approvals. Money in your hands — sooner than you think.
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