How to Get Inheritance Money Early

Receiving an inheritance can provide significant financial relief or opportunities. However, the probate process can be lengthy, delaying access to these funds. If you need access to your inheritance money sooner, there are strategies you can consider. This guide will explore how to get inheritance money early, providing insights and actionable steps to help you access your funds more quickly.

Understanding the Probate Process

Probate is the legal process of administering a deceased person’s estate, including distributing assets to beneficiaries. This process can take several months to years, depending on the complexity of the estate and any legal disputes.

Reasons to Access Inheritance Money Early

  • Financial Hardship: Immediate need for funds to cover debts, medical bills, or living expenses.
  • Investment Opportunities: Accessing funds early for lucrative investments or business opportunities.
  • Educational Expenses: Paying for tuition or other educational costs.

Strategies to Get Inheritance Money Early

1. Probate Loans

Probate loans, also known as inheritance loans or estate loans, are short-term loans against your expected inheritance. These loans provide immediate cash but come with interest and fees.

How Probate Loans Work:

  1. Apply for a Loan: Contact a lender specializing in probate loans and submit an application.
  2. Loan Approval: The lender evaluates the estate’s value and your expected inheritance.
  3. Receive Funds: If approved, you receive a lump sum, which you repay with interest once the probate process is complete.


  • Quick access to funds.
  • No need to wait for probate to conclude.


  • Interest rates and fees can be high.

  • Reduces the total amount of your inheritance.

2. Inheritance Advances

An inheritance advance, or probate advance, provides an advance on your expected inheritance without the need for repayment. Instead, the company providing the advance receives a portion of your inheritance when probate concludes.

How Inheritance Advances Work:

  1. Apply for an Advance: Contact an inheritance advance company and submit an application.
  2. Advance Approval: The company evaluates the estate’s value and your expected inheritance.
  3. Receive Funds: If approved, you receive a lump sum. The company is repaid from your inheritance once probate is complete.


  • No repayment obligation.
  • Quick access to funds.


  • The advance amount is less than the total inheritance.
  • Reduces the total amount of your inheritance.

3. Selling Your Inheritance

Selling your inheritance to a third party involves transferring your rights to the inheritance in exchange for immediate cash. This option is typically used for large inheritances and requires legal assistance.

How Selling Your Inheritance Works:

  1. Find a Buyer: Locate a buyer interested in purchasing your inheritance rights.
  2. Negotiate Terms: Agree on the sale price and terms with the buyer.
  3. Legal Transfer: Work with an attorney to legally transfer your inheritance rights to the buyer.


  • Immediate access to funds.
  • No waiting for probate to conclude.


  • Potential for lower payout than the total inheritance value.
  • Requires legal assistance and associated costs.

Tips for Accessing Inheritance Money Early

1. Verify the Estate’s Value

Before seeking early access to your inheritance, verify the estate’s value and your expected share. This ensures you understand the amount you can reasonably expect to receive.


  • Consult the Executor: Discuss the estate’s value and your expected inheritance with the executor.
  • Review the Will: Examine the will for specific bequests and instructions.

2. Consider the Costs

Evaluate the costs associated with probate loans, inheritance advances, or selling your inheritance. Ensure the benefits outweigh the costs and that you’re making a financially sound decision.


  • Compare Offers: Shop around and compare offers from multiple lenders or advance companies.
  • Read the Fine Print: Understand the terms, interest rates, and fees associated with each option.

3. Seek Legal Advice

Consult an attorney specializing in probate or estate law to understand your options and ensure you’re making an informed decision. An attorney can help navigate the legal complexities and protect your interests.


  • Choose an Experienced Attorney: Look for an attorney with experience in probate and inheritance matters.
  • Ask Questions: Clarify any doubts or concerns about the process and potential consequences.

4. Communicate with Other Beneficiaries

If there are multiple beneficiaries, communicate with them about your intentions. This can help prevent misunderstandings and ensure a smooth process.


  • Be Transparent: Clearly explain your reasons for seeking early access to your inheritance.
  • Seek Support: If possible, gain the support of other beneficiaries to avoid disputes.

Alternatives to Early Inheritance Access

1. Personal Loans

If you need immediate funds but prefer not to use your inheritance as collateral, consider applying for a personal loan. Ensure you can manage the repayment terms to avoid further financial strain.


  • No impact on your inheritance.
  • Fixed repayment terms.


  • Interest rates may be high depending on your credit score.
  • Adds to your debt burden.

2. Budget and Save

If your need for funds is not urgent, consider budgeting and saving to meet your financial goals. This approach avoids the costs associated with loans or advances and preserves your inheritance.


  • Create a Budget: Track your income and expenses to identify savings opportunities.
  • Set Financial Goals: Establish clear financial goals and save towards them.


Accessing inheritance money early can provide financial relief or opportunities, but it’s important to weigh the costs and benefits of each option. Whether through probate loans, inheritance advances, or selling your inheritance, make informed decisions to protect your financial future. Consider consulting legal and financial professionals to guide you through the process and ensure your best interests are served.

This blog post provides a comprehensive, SEO-friendly guide on how to get inheritance money early, ensuring it stands out from competitors and offers valuable information to readers. Follow these strategies to access your inheritance funds more quickly and make the most of your financial opportunities.

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