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LoanNow: A Better Alternative To Payday Advance Loans

When you’re facing a financial emergency, payday advance loans can mean the difference between minimizing the adverse effects and devastation. But payday advance loans also carry hazards of their own. Borrowing from the wrong source – such as a payday lender – could actually make your financial circumstances worse. Payday advance loans from LoanNow allow you to deal with financial challenges – without the risks of payday loans.

Payday Advance Loans

Payday Advance Loans from Your Employer

In some cases, payday advance loans may be available from your employer. If you’ve worked at the same company for several years and have a good work record, your employer may agree to such as request. This is especially true if your financial emergency involves serious medical issues or a similar circumstance. Your employer would likely be less than sympathetic if you have to explain that you wrecked your car after a night of drinking at a local watering hole.

But direct payday advance loans from your employer can create new financial problems. After all, the money you receive will likely be deducted from your next paycheck – or perhaps from your next several paychecks. These missing funds may make it difficult for you to meet basic financial obligations such as housing or groceries.

Payday Advance Loans from Payday Lenders

Payday Advance Loans

Payday advance loans from payday lenders are even more problematic. If you borrow from a payday loan store, you’ll need to gather your paperwork and drive across town. You may have to stand in line, plus there’s the risk you could run into someone you know, which is embarrassing. If you opt for a payday loan online, you may run into difficulties in completing your application, and assistance may or may not be available.

Whether you borrow from an online payday lender or a payday loan store, payday advance loans from payday lenders carry interest rates and APRs that range well into triple digits. You’ll also be expected to repay the loan in full with your next paycheck. If you can’t manage that, you’ll be drawn into what could be a lengthy cycle of rollovers and partial payments. You could very well pay many times more than your original loan before your account is paid off.

The LoanNow Alternative

There’s no need to risk the good will of your employer or your long term financial security when you’re faced with a financial shortfall. Instead of payday advance loans, why not consider an installment loan from LoanNow? We process your applications just as fast as payday lenders, but provide manageable repayment periods like a bank or credit union. We also say no to rollovers that can escalate the amount that you owe. LoanNow is a real win-win!

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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.