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Cash Advance America

For people who need a quick cash advance America provides a handful of major options: credit card advances, paycheck advances and payday loans. These options share both advantages and disadvantages, but for all three the disadvantages far outweigh the advantages. LoanNow provides an alternative type of cash advance America had not previously witnessed: a means of obtaining money quickly without the drawbacks of conventional cash advances.

Cash Advance America

Advantages of Cash Advances

In obtaining a cash advance America provides three major options, all of which share the same major advantage: you can get your money quickly. Each method also has its individual advantages. With a credit card advance, the money you need is as close as the next ATM, provided that your credit card has a large enough credit limit. Getting a cash advance loan from your employer means that you don’t have to go into debt. Payday lenders also make it easy to obtain loans, providing credit to nearly anyone who has a reliable income. And if you apply for an cash advance online, you don’t even have to leave home to get your money.

Drawbacks of Cash Advances

Cash advances also have serious disadvantages. Each type of cash advance has its own drawbacks. Asking your employer for a paycheck advance can be awkward, not to mention putting a dent in your next paycheck. Unless you have credit cards with huge credit limits, you can only obtain a small cash advance with a credit card.

Cash Advance America

With getting a payday loan cash advance America has really thrown borrowers a curve. Despite attempts at regulation many payday lenders get away with charging sky high interest rates and imposing unrealistically short repayment periods. The result is that many borrowers are unable to pay their loans off in full. Payday lenders respond by taking partial payments from borrowers and refinancing the remaining balances in new loans – with new interest charges and administration fees applied. Many borrowers wind up getting trapped in long repayment periods where they make payments but their loans keep getting bigger, not smaller.

The LoanNow Alternative

Like online payday loans, LoanNow allows you to apply online in the privacy of your own home. You can usually borrow more than you can obtain from a credit card cash advance and you are spared the embarrassment of asking your employer for an advance against your salary. But LoanNow has the advantage of extended, manageable repayment periods. You don’t have to deal with shrunken paychecks from a payday advance, nor with revolving interest from a credit card advance. And LoanNow says no to rollovers, which means your payments actually reduce the amount that you owe. Any way you look at it, LoanNow is the cash advance America has been lacking. Why not experience the LoanNow advantage 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.