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Guaranteed Christmas Loans from LoanNow: Faster, Easier, Better!

If you’ve been turned down in the past for loans to cover holiday expenses, promises for guaranteed Christmas loans can be very appealing.  But don’t be fooled. In too many cases, so-called guaranteed Christmas loans are merely a front for aggregators that collect borrower information for distribution to third parties. Oftentimes those third parties are scam artists and identity thieves.  Stick with a direct lender — LoanNow.

“This Website Is Not a Lender”

You may have seen websites promoting guaranteed Christmas loans with banner headlines boasting “All applications accepted!” or “No credit check!” But a closer look reveals the truth.  The fine print buried near the bottom of the page often reads “this website is not a lender.”  In other words, these websites can make promises like this because they aren’t actual lenders and they don’t issue loans.  Instead, they collect borrower information to distribute to third parties. In some cases, those third parties are actual lenders, but in too many cases, sensitive personal and financial data is sold to the highest bidder, with few or no questions asked.

Scammers, Trojans and Identity Thieves

Desperate borrowers who submit applications online to websites promoting guaranteed Christmas loans often find their email inboxes stuffed with SPAM, including dozens of loan “offers” from lenders they’ve never even heard of.   People who pursue these “offers” frequently find themselves confronted with a loan application rather than a contract for a loan.  Some especially unfortunate victims find that they have been targeted by malware, Trojans or attempts at identity theft.  In some cases, the only way to stop the flood of SPAM is to cancel that particular email address, while taking measures to protect bank accounts, credit card numbers and other sensitive data. That’s enough to wipe out anyone’s holiday spirit.

Guaranteed Christmas LoansLoanNow – a Real Direct Lender

Don’t fall for the lure of guaranteed Christmas loans. With LoanNow, you can apply online in the privacy of your own home and receive a response in minutes†.  Even if you have less than perfect credit, you may still be approved. We look beyond FICO scores to consider your entire financial profile.  We often say yes when banks say no.

As a direct lender, LoanNow does not share your personal and financial information with third parties. And with our A+ rating from the Better Business Bureau, you know you can borrow from LoanNow with confidence.  Don’t take chances with hit-or-miss online payday loan sites. Stick with a direct lender.  Check out LoanNow today!

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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.

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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.

LoanNow Trustpilot Rating: 9.3 out of 10 based on 570 reviews as of March 2016. SuperMoney Rating: 9.5 out of 10 based on 55 reviews.