Helping Good People Get Better Loans

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Affordable Loans From LoanNow – Helping Good People Get Better Loans

If you have less than perfect credit, finding affordable loans can be an exercise in frustration.  Many banks offer affordable loans – but are wary of extending credit to borrowers who don’t have good or excellent credit. Creditors willing to provide loans to borrowers with less than perfect credit impose repayment terms that are less than desirable.  With LoanNow, even if your credit isn’t perfect, you may be approved for a loan, with repayment terms you can live with!

Affordable LoansBank Loans

For many borrowers, bank loans are among the most affordable loans.  They offer the lowest interest rates, along with favorable repayment terms. However, banks often demand good or excellent credit to qualify for their most affordable loans. Borrowers with marginal credit are often turned down, or required to provide creditworthy co-signers or collateral.  Banks also frequently require borrowers to wait days or weeks for a response, which won’t work when you’re dealing with financial emergencies.

Nonbank Lenders

Online nonbank lenders such as online lending brokers and peer-to-peer lenders represent a fairly recent source for affordable loans. But both online lending brokers and peer-to-peer lenders require borrowers to submit sensitive personal and financial information to third parties, with no guarantees of actually receiving a loan.  In fact, peer-to-peer lenders require prospective borrowers to post profiles on semi-public online forums!  In addition, peer-to-peer lenders automatically disqualify prospective borrowers with FICO scores below the mid-600 range.

Lenders to Avoid

Desperate borrowers with poor credit frequently turn to subprime lenders such as pawn shops and payday lenders. But what these lenders provide can hardly be described as affordable loans.  Pawn shops require borrowers to surrender personal property on the spot as collateral. Their loans cover only about 25 percent of the property being held.  Payday loans feature the triple threat of high interest, required lump-sum repayments and unrealistically short repayment periods that make it impossible for many borrowers to repay their loans on time, triggering a trap of rollovers and partial payments.


With LoanNow, you’ll receive a response in minutes, not weeks. † We approve many borrowers banks turn down – and we never demand collateral. As a direct lender, LoanNow handles all loans in-house – we don’t share your info with third parties. Check out the LoanNow difference for yourself!

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Why LoanNow

  • 5-Minute Application

    All it takes is a few minutes. We’re fast, easy and headache-free.

  • Fast & Easy Approval

    Get your quick loan approval online. Money in minutes. †

  • Deposit to Your Account

    Funds are deposited fast into your bank account! ‡

How It Works

  • Apply Now

    Complete our easy online application. It takes 5 minutes and there is no paperwork and no faxing required.

  • Get Approved

    You will get a quick loan approval decision. We are a direct lender so there is no long wait for an answer.

  • Get Your Money

    We deposit your money right into your bank account. Your installment loan payments come from the same account - automatic, no hassles.

What We're About

  • "We believe we can change the world by helping people with less than great credit get back on track."

    Miron, The Team

  • "Our loans reward you for good behavior instead of trapping you in an endless spiral of interest & penalties."

    Harry, The Team

  • "Our mission is to build the fastest & easiest way to get a loan."

    Jesse, The Team

Grow Your Score

Our personal loans reward you for good behavior instead of trapping you in an endless spiral of interest & penalties. Together, we grow your LoanNow score to unlock better rates.

LoanNow Score

* Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. Subject to underwriting approval.

** Subject to online availability and underwriting may request additional items prior to final approval.

† Loan approvals are subject to underwriting criteria and the approval process may take longer if required items are not able to be verified online or additional items are requested.

‡ Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. One’s bank will determine when funds are actually available.