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Cash Credit

You may have read or heard that this country is becoming a cashless society. It’s true that between online purchases, credit and debit cards and mobile apps, it’s possible to conduct nearly all your financial affairs without cash.  There are also cash credit equivalents available that allow individuals to obtain cash on demand. However, many people don’t have cash credit equivalent resources available – or they choose not to use them. Fortunately, LoanNow can provide the cash you need, when you need it – with repayment terms you can live with.

cash loansCredit Card Transactions and Cash Advances

Without a doubt, credit cards can stretch your financial resources. The credit limit on your credit card serves as a cash credit equivalent that you can use to make purchases or to obtain cash advances. The credit card company provided the credit based on the promise you made to pay the bill when you accepted the card and began to use it.

Home Equity Lines of Credit

Many people consider home equity loans and home equity lines of credit (HELOCs) to be interchangeable, but that isn’t the case. A home equity loan is considered an installment loan for which borrowers must make monthly payments. A HELOC is a cash credit reserve granted based on accumulated equity in your house, townhome or condominium.  Rather than a conventional loan, HELOCs are considered a form of revolving credit much like a credit card account.  There are often no payments required unless borrowers draw funds from the HELOC. However, once funds are drawn, monthly installment payments are required to repay what has been withdrawn.

Bank Overdraft Credits

Many banks provide overdraft protection for their customers up to a specified cash credit amount.  These overdrafts operate more like a line of credit rather than an installment loan.  However, banks expect overdrafts to be repaid within a short period of time, often 30 or 60 days. Account holders who do not repay their overdrafts run the risk of losing their accounts and possibly landing in the dreaded ChexSystems database.


If you have less than perfect credit, you may not have access to cash credit resources such as credit card cash advances, HELOCs or bank account overdrafts. You may not qualify for conventional bank loans. LoanNow may be able to help. We approve many borrowers banks turn down. Our installment loans feature manageable monthly payments that work with your budget. Discover for yourself why so many people make LoanNow their go-to source for cash to deal with financial shortfalls.

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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

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    Harry, The Team

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    Jesse, The Team

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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.

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* 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.