WE BUY
NOTES

  • FREE QUOTE
  • SELLER TIPS
    • Expert Advice: Get the Facts to Sell a Note
    • Top 5 Reasons to Sell Your Note
    • How To Receive Top Dollar for Your Note
    • Sell Mortgage Note for Cash to Receive the Highest Price
  • CONTACT US
Why Sell Lottery Winning for a Lump Sum Payment

FEATURED IN

sell house Fort Wayne

Why Sell Lottery Payments for a Lump Sum Payment

get everything up front instead of smaller unknown future handouts

 

Winning a lottery, sweepstakes, or casino jackpot can be life changing. Suddenly, you find yourself with an influx of cash and your mind races with the possibilities of how you could put it to good use. Depending on the amount of the winnings and the game you won, you may need to choose how to receive your winnings:

1. Lump Sum
You can choose to receive your winnings in one cash lump sum. If you select this option, you’ll likely be accepting a smaller total amount of cash than if you chose an annuity option. The reason your lump sum is smaller is because of something called the “Time Value of Money”. The value of a dollar you can spend now is greater than the value of a dollar you receive at some point in the future.

The periodic nature of a lottery annuity, however, leaves a large portion of your winnings sitting dormant, out of the winner’s reach until the payment due date rolls around. You can have millions in the annuity, and still not have the cash you need to achieve your financial goals.

2. Annuity – Periodic Payments
If you want to receive the full amount you won, you may need to wait several years before you receive every payment. The lottery board or casino will set up an annuity that sends you regular payments until your award is paid.

Note selling TIPS & ADVICE The periodic nature of a lottery annuity, however, leaves a large portion of your winnings sitting dormant, out of the winner’s reach until the payment due date rolls around. You can have millions in the annuity, and still not have the cash you need to achieve your financial goals.

Tax Hit
Lottery winnings are treated as taxable income. Generally, the more income someone receives in one tax year, the more in taxes due. Federal income tax due could be as much as 40%, depending on the lump sum payment amount. This means a lump sum can result in a very large – and perhaps very unexpected – tax bill.

Turn Your Winnings into a Lump Sum
If you accept the annuity option, you’ll receive payments on an agreed-upon schedule until the total value of the lottery, sweepstakes, or jackpot is paid. For many winners, this option makes the most sense. After all, who doesn’t want the choice that gives you more money?

Wise move many because the total value of your award is smaller, but you get everything up front.

 

You won it. It’s your money… get your now money

But what made sense back then might not fit the life you want to live now. Where those regular payments used to feel like an extra payday, you might now find yourself wishing you could change your mind and choose a lump sum instead. See what your lottery winnings can do for you now. Talk to a friendly representative to get you money today.

Most companies won’t let you change your payment schedule once you agree to one, but that doesn’t mean you’re out of options. If you want more of your winnings now, you might be able to sell your future payments in exchange for a lump sum.

If you’re receiving regular payments due to winning a large cash award, there’s a good chance we can purchase them for a lump sum. At We Buy Notes™, we’ve helped thousands of winners just like you find different ways to spend the cash they got from:

  • Winning the Lottery
  • Having their name drawn in a sweepstakes
  • Hitting the jackpot at a casino
  • Picking the winner at a race

 

Don’t see how you won listed above?
No problem! Speak with one of our representatives today, and we’ll let you know your options. If you’re getting payments from your winnings and you live in a state that allows you to sell your payments, we should be able to help. At We Buy Notes™ we help people find the funding they need to make their dreams a reality.

It’s Your Money To Spend How You Want

What do you want your future to look like? Ask a hundred people and you’ll get at least as many responses. Your dreams are your own, so why should you be forced to accept a payment stream that’s one size fits all? We work with you to build a solution that gets you cash when you want it.

What can you do with your lump sum? Anything you want! It’s your money, and we’re not going to tell you how to spend it. Here are just a few of the reasons some of our previous customers wanted to exchange their future payments for more cash now:

  • Buying their dream home
  • Buying an investment property
  • Starting their own business
  • Paying for education costs
  • Covering unplanned medical expenses

No one understands your situation better than you do, which is why we believe in giving you as many options for spending your money as possible. Selling your lottery payments is free and it doesn’t affect the original terms of the note.

What Can I Get For My Payments?

When you won your money, you may have had the choice between future payments or getting a lump sum. The reason they offered you less up front was because of something called the time value of money, or how a dollar you can spend today is worth more than a dollar you receive in the future.

The same idea is true if you want to sell your payments for a lump sum. To get the money you want as a lump sum, you’ll need to sell more in payments than you receive. The specific amount you must sell depends on several things, including the time value of money. Depending on the size of the lump sum you’re looking for, you have two different options for what you can do to get the cash you want.

Sell part of your remaining payments – If the lump sum you’re looking for is smaller than the total value of your payments, one option is to only sell the payments you need to. That way, you’ll only have to sell the minimum amount you need to get your lump sum.

Sell all your remaining payments or some of them (called a partial). If you want to get the largest lump sum you can sell all your remaining payments. Click here to request a Fast Quote

 

 

FAST QUOTE

For the best possible price and a fast quote simply fill out the secure form below. Your quote is free, confidential and you are under no obligations.
  •  

    ABOUT THE NOTE

     

    Date of Sale

  • Month
  • Year
  •  
  •  
  •  
  •  
  • (principal and interest)
  • An estimate is fine
  •  
  •  
    What is the Balloon Payment Date?
  •  

  • ABOUT THE PROPERTY

    securing your note

  •  
     
  •  
     
  •  
     
  •  
     
  •  
     




We Buy Notes™ Guarantee so you can get your cash faster!

RAPID NOTE PURCHASE™ GUARANTEE:

Whether we buy your note in-house or with our partner lender you are backed by our We Buy Notes Guarantee™ so you have peace of mind of a professional closing so you can get your cash faster!

The We Buy Notes™ Advantage

If you’re interested in selling payments from lottery winnings, get in touch. We’ll connect you with one of our experienced representatives who will answer your questions and give you a quote on how we can help you get the lump sum you’re looking for.

We’re thrilled that you’re considering working with us, and we’re confident that if you decide to give us a call, you’ll be thrilled too. We pride ourselves on outstanding customer service that is both informative and efficient. Our experience in the industry allows us to offer competitive deals and what we quote you is the money you’ll get because we never charge hidden fees. That’s part of our We Buy Notes™ Promise.

Make your dreams a reality. We guarantee that we will beat any current bona fide quote in writing from a competing structured settlement payment factoring company.Schedule a call with us today by completing our Fast Quote

Filed Under: Note Selling Advice Tagged With: Sell Lottery Winning

Not finding what you're looking for?

See All Our Solutions
FREE FAST QUOTE

YOU GET:

• Tailored terms for high payout
• Fast & easy online process
• Quick turn-around times
• High Loan-to-Value
• Flexible guidelines


Comment or Question?

We would like to hear from you. Please email or call here


CONTACT US

In just 8 minutes you can get a free quote by filling out our FastQuote offer form here

WHY SELL YOUR NOTE

5 Best reasons to sell your real estate note, mortgage deed of trust and more

CASH PAID FOR NOTES. FAST.

Contact us today for a free, confidential cash offer for your private mortgage, land contract, deed of trust, contract for deed, or real estate note. FREE QUOTE
 

WHAT CLIENTS SAY

direct note buyers from Banks, Asset Managers and Hedge Funds unloading bulk tapes assets, Non-Performing Notes for Investors"Your flexibility allowed me to get my money faster even though my buyer was not making payments . You guys helped when others said, 'NO!' Thank you!, John & Mary Ellis, Fort Wayne.
 


 
Ready to sell?
Simple, costs nothing and you’re under no obligation.

 
GET A FASTQUOTE

 
100% Confidential

FRONT PAGE
CONTACT US
ABOUT US
NOTE FACTS
GET TOP PRICE
STRUCTURED SETTLEMENTS
WHY SELL
LOTTERY AWARDS
FAST QUOTE
phone (260)436-5000 ext. 221
WeBuyNotes.com™ © 2025
ALL RIGHTS RESERVED

 

^


 
WE BUY NOTES™ is a direct buyer of Residential and Commercial Mortgage Notes, Promissory Notes, Privately Held Real Estate Notes and Contracts, Land Contracts, Trust Deeds, Deeds of Trust, Mortgages, Contract for Deeds (CFD), Structured Settlement Payments, All- Inclusive Trust Deeds (AITD), Wrap Around Mortgages, Seller Carry Back Paper, Business Notes, Lawsuit and Insurance Settlements, Lottery Winnings and Lotto Annuity Payments and Annuities, Multi-stage Payouts, Inheritances and Probates, Lottery, Casino and Sweepstakes Winnings, Government Pensions, Mobile Home Land Contracts or Notes (with Land), Divorce Settlements, Life Insurance Policies, Business and Industrial Notes, Gas, Oil and Mineral Leases, Billboard Leases, Windmill Leases, Cell Phone Tower Leases, NNN Leases, Farm Subsidies Real Estate Contracts, Partial Purchase of Notes, Standard Full Note Purchases and Portfolios. We Buy Notes™ does not offer legal, tax, or financial advice.

 
WE BUY NOTES™ in Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.