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Loans When You Need Cash Today

If you’re short on funds and need cash today loans are probably your best bet.  But all loans are not created equal. Some loans put your personal possessions at risk. Other loans can potentially place your entire financial future in jeopardy.

cash loansCredit Card Cash Advances

If you have sufficient credit available on your credit card and need cash today loans are potentially as close as the nearest ATM.  But credit card cash advances typically carry higher APRs than purchase transactions.  In addition, interest begins to accrue as soon as the cash hits the palm of your hand.  Credit card holders that carry a balance could be making payments on their cash advances years after the money has been spent.

Pawn Shops

If you’re willing to part (temporarily) with Aunt Mildred’s diamond jewelry or your uncle’s gold watch and need cash today loans from pawn shops could be the answer to your dilemma.  Pawn shops issue cash on the spot with no questions asked. However, loans from pawn shops typically cover only about 25 percent of the value of the property surrendered as collateral. Borrowers must also repay their loans in full, including interest, within 30 to 60 days or risk losing their property for good.

Payday Loan Stores

For desperate people who need cash today loans from payday loan stores initially seem like a lifeline.  But that lifeline soon reveals itself to be a financial dead weight.  That’s because when payday lenders say “your job is your credit” – they mean it!  Not only is your approval tied to your employment (or source of income), so is your repayment.  If you are paid weekly, your loan could be due in full – plus a hefty chunk of interest – as quickly as 10 days after you receive your cash! Many borrowers find themselves trapped in a cycle of partial payments and rollovers for months or even years, paying many times the amount of their original loans before they are finally able to pay them off.

Car Title Loans

If you need cash today loans against your car title may seem like a sweet deal. You get cash and you still get to drive your car.  Some car title loan companies will even take over the remaining few payments if your car is not totally paid off.  But surrendering your car title for a car title loan could eventually mean surrendering your car.  If you fail to repay your loan, your car could be seized by the loan company – regardless of the amount that you originally borrowed.   Ouch.


At LoanNow, we understand that waiting weeks from a response from a bank is not always an option. With our convenient online application, you’ll get a response within minutes†, and receive your cash as soon as the next business day. Even if your credit isn’t perfect, you may still be approved – we often say yes when banks say no.  Let LoanNow provide the cash you need to deal with financial emergencies!

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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.