Compare how much you need to how much you stand to inherit and decide if borrowing against your inheritance amount is really worth the interest and tax consequences. Consult the estate's personal representative or a tax lawyer for guidance on tax consequences and recommendations for lenders that specialize in inheritance loans in your state.
Contact inheritance lenders that operate in your state and ask for details about their standard terms. Pay special attention to the interest rates each charges. Choose a lender you're comfortable with, preferably the one that charges the least amount of interest.
Gather the lender's required documentation as proof of your inheritance. This may include a copy of the will, an official death certificate, copies of the letters of administration issued by the probate court officially opening the probate proceeding and appointing the personal representative, a certification of the amount of your inheritance from the personal administrator and your identification.
Fill out the loan application, which includes an assignment of the rights to the amount of your inheritance plus the lender's fee. Submit it with any required supporting paperwork and wait for your answer.