When a loved one passes away and leaves behind an estate, the process of distributing the assets can take months—or even years—due to probate delays. This can be incredibly frustrating, especially for heirs who need access to funds now. That’s where an inheritance loan comes in.

An inheritance loan, sometimes called an estate advance or probate advance, allows heirs to access a portion of their inheritance before the probate process is complete. These loans are not based on your credit score or income. Instead, they’re secured by your future inheritance. That means even if you have poor credit or no income, you may still qualify.

Here’s how it typically works: you apply for the loan, the provider evaluates the estate and your share, and once approved, you receive funds quickly—often in just a few days. The loan is then repaid directly from the estate once it’s distributed, meaning you don’t make monthly payments.

Inheritance loans are particularly helpful when you’re facing urgent expenses like funeral costs, medical bills, or mortgage payments. They offer flexibility and speed during a stressful time. Just be sure to choose a reputable provider who clearly outlines fees and terms.