Helping Good People Get Better Loans

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Bank Loans

When most people think of loans, bank loans are what come to mind. But bank loans represent only one type of loan.  And while bank loans represent the best option for many borrowers, that isn’t the case for all borrowers. For many borrowers, bank loans simply aren’t an option, either because of urgent financial need or past credit problems. For many such borrowers, a loan from LoanNow is the answer to their financial prayers.

 Bank LoansIn a Hurry? Bank Loans May be Too Slow

If you’re buying a house or a car, bank loans are often your best choice.  Interest rates and APRs for bank loans are often lower than for nearly other type of lending institution. And since buying a car or a home is a decision most people make after careful consideration, the processing time required for bank loans isn’t an issue.

But for financial emergencies, bank loans often require too much processing time to be a viable option. Even If you have insurance that covers the cost of the emergency room visit, there’s still the matter of paying for the mediations prescribed by the physician.  If the medications are expensive, you may nor able to afford to fill the prescription.  Waiting for approval for bank loans under such circumstances is a non-starter.

Bank Loans and FICO Scores

According to the truism, bank loans are only available to people who don’t need the money: individuals with high income, abundant assets and high FICO scores. It’s true that banks strongly prefer to lend to borrowers they perceive as being low risk.  On the other hand, borrowers with few or no assets, limited income and marginal FICO scores are considered to be high risk.  For such borrowers, approval for bank loans may require collateral, a credit worthy co-signer, or both.

The LoanNow Solution

Whether you can’t afford to wait for a bank to process your application or your FICO score is too low to qualify for bank loans, you realize that you won’t get the money you need from bank loans. But that doesn’t mean that you must settle for undesirable alternatives that put your personal possessions and financial future at risk.

LoanNow features the convenience and speed of online applications – no driving across town and no waiting weeks for a decision.  Even if your credit isn’t perfect – you may still be approved – no collateral required.  LoanNow looks beyond your FICO score to consider your entire financial profile. If you’re facing a financial emergency, LoanNow can provide the money you need, when you need it.  Why not check us out today!

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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

More Resources on Bank Loans

* 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.