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Central Criteria To Get Cash Fast

When faced with a shortage of cash, central to dealing with the situation is taking an honest assessment of your available resources. In some cases a bank loan is a viable option. In other circumstances taking a second job may be appropriate. If neither of those options works for you, check out LoanNow to get the funds you need!

cash loansTaking a Second Job

Many people prefer to take a second job rather than borrow to deal with financial shortfalls. That’s admirable. However, if you take a second job to get some extra cash, central to your consideration has to be the possible effects that moonlighting will have on your main job. You don’t want to put yourself in a position where you’re overtired and fail to perform at your best at your full time job.

Your employer may also restrict or prohibit workers from taking second jobs that present a conflict of interest. Some employers prohibit workers to have any type of secondary employment. If you decide to purse a second job, check with your company’s personnel policy and consider getting the advice of a trusted financial advisor.

Bank Loans

Where bank loans are concerned, central concerns are FICO scores and credit reports. If your FICO score is high and your credit report is clean, you stand a good chance of obtaining approval for a bank loan with favorable lending terms. If your FICO score is marginal and your credit record has a few dents, you may be required to provide collateral or a credit worthy co-signer to be approved for a bank loan. You will almost be certainly charged a higher interest rate than someone with good credit.  If you have bad credit, you will probably be turned down outright.

Subprime Lenders

Borrowers with bad credit are often drawn to subprime lenders like payday lenders and pawn shops. That’s because with subprime lenders, central concerns don’t include your FICO score. But the liberal underwriting of such lenders comes at a price. Pawn shops demand collateral in exchange for their loans, which cover only about 25 percent of the value of the property surrendered as collateral. Payday loans combine high interest, required repayment in full and short repayment periods to make it nearly impossible for borrowers to repay loans on time. As a result, many borrowers are caught in a vicious cycle of partial payments and rollovers that can last for months, if not years.


When getting cash through LoanNow, central criteria are flexible.  We look beyond your FICO score and credit report to consider your entire financial profile.  We also never require collateral or upfront repayment and we say NO to rollovers. LoanNow provides the cash you need without the wait. Check us out 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.