I was in a car accident when I was 18 and signed a paper to get 65,00 dollars when I am 40 years old. I am 24 years old now and need money now how can I get the money? Would I loss a lot if I get it now?

If you signed a settlement to that affect I doubt if the insurance company will change it. You can talk to the attorney that negotiated the settlement and see what they say.

There are also lenders that will provide immediate cash if you sign over a settlement to them. I have no idea how much they charge for that.