How much does an inheritance advance cost?

Inheritance advance fees typically range from 10% to 50% of the advance amount. According to research from Yale Law Journal, the average effective APR can range from 50% to over 127%. The exact cost depends on the company, your inheritance amount, and how long probate takes.

What is a reasonable fee for an inheritance advance?

Based on industry research, fees of 10-20% are considered good deals, 25-35% are typical industry rates, and anything over 40% is considered high or potentially predatory. Always get quotes from multiple companies and compare the total cost.

How is an inheritance advance different from a loan?

An inheritance advance is technically a purchase of your future inheritance rights, not a loan. This means no monthly payments and no credit check, but also means higher fees and less regulatory protection than traditional loans.

Do I need good credit for an inheritance advance?

No, inheritance advance companies typically do not check credit because they are purchasing your inheritance rights, not lending money. However, this convenience comes with higher fees compared to traditional loans.

Inheritance Advance Cost Calculator

See exactly what you'll pay before you sign - no surprises, complete transparency

Hi, I'm Claire Reed. When I lost my father, I was overwhelmed by probate and desperately needed cash. Companies started sending me offers, but nobody would tell me the real cost upfront. That's why I created this calculator - to show you the honest numbers before you sign anything. 💙

💛 Quick Note: I may earn a small commission if you work with a recommended company. This keeps the calculator free. I only recommend companies with strong track records, and you'll never pay more for coming through my site.

Calculate Your Real Cost

Fill in your details below. I'll show you exactly what you'll receive and what it will cost.

Expected Inheritance ($)

Total value you're expecting to inherit

Cash You Need Now ($)

How much you need immediately

Your Share (%)

If splitting with others, enter your %

Months Until Probate Closes

Average is 12-18 months

Fee Percentage They're Quoting

25%

What I've learned from research:
10-20% = Good | 25-35% = Typical | 40%+ = Too High
If they won't tell you the fee upfront, that's a red flag.

📋 Tell me about your situation (optional - helps me give better advice)

Check any that apply:

Urgent bills Risk of foreclosure Funeral costs Poor credit Probate taking forever Unresponsive executor Can't afford attorney Overwhelmed

💙 My Story: Why I Created This Calculator

When I lost my father, I felt like I was drowning. The probate process seemed endless - 18 months that felt like an eternity. I was overwhelmed by legal paperwork I didn't understand, attorney fees I didn't expect, and bills that couldn't wait.

That's when the inheritance advance companies started sending letters. They made it sound so simple: "Get your money now, no credit check, no monthly payments." But when I asked about the cost, they were vague. "Just a small fee." "We'll discuss that after you apply." "It depends on your situation."

I almost signed. I was desperate. But something made me pause and do the math. When I finally got a written quote, I realized I'd be giving up 35% of my inheritance - over $50,000 - to get $90,000 a few months early.

That's why I created this calculator. Nobody should have to guess what they're really paying. You deserve transparency, especially during such a difficult time.

- Claire Reed, Founder of ProbateLoanFinder.com

My Promise: I only recommend companies I've thoroughly researched. Your trust means everything to me. If a company starts getting complaints or changes their practices, I'll remove them immediately.

Disclaimer: This calculator provides estimates based on industry data and academic research. Actual offers vary by provider. This is for informational purposes only and should not be considered financial or legal advice. Always compare multiple providers, read contracts carefully, and consult with your estate attorney. ProbateLoanFinder.com receives compensation from featured companies, which helps keep this calculator free.

About Claire Reed: I created ProbateLoanFinder.com after experiencing the stress and confusion of probate firsthand. My goal is to help families navigate this difficult process with transparency and compassion. Yes, I may earn a commission if you work with one of my recommended companies - but I only recommend companies I've thoroughly researched and feel comfortable sending my own family to.

Inheritance Advance Cost Calculator

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