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Help With Bills

There are times that despite your best effort, you need help with bills, or unexpected expenses arise.  Bank loans aren’t always suitable, but non-bank loans often feature undesirable aspects. Some non-bank loans are positively hazardous to your financial health.  LoanNow provides the financial help with bills you need without the drawbacks of many other types of loans. Check us out today!

help with billsThe Problem with Bank Loans

Bank loans have one major advantage, at least for borrowers with favorable credit profiles: favorable borrowing terms. Bank loans typically carry the lowest interest rates and manageable monthly payments. However, if you urgently need help with bills, bank loans may not be a viable option. That’s because banks often require applicants to wait weeks for a response – even prospective borrowers with outstanding credit.  Applicants with less than perfect credit may be approved only for loans with higher interest rates or which require collateral or a co-signer – or may be denied outright.

Drawbacks with Non-bank Lenders

Non-bank lenders operate both in brick and mortar establishments and online.  Brick and mortar non-bank lenders offer one major advantage: cash on the spot.  When you’re seeking emergency help with bills, it’s tough to beat money in minutes.  But the initial sense of relief is soon eliminated when dealing with many of these non-bank lenders.

For instance, pawn shops demand collateral in exchange for their loans in the form of personal possessions such as jewelry or tech gadgets. Pawn shop loans usually cover only about 25 percent of the actual value of them items surrendered as collateral.  Borrowers who fail to repay their loans within a specified time – generally 30 to 60 days after receiving the loan – risk losing their personal property for good.

Payday loan stores are even worse. If you take a payday loan to help with bills, you may find yourself in an even deeper financial hole.  Payday loans carry high interest rates and demand payment in full. In that respect they’re much like pawn shop loans. But payday loans take things a step further – with repayment periods measured in days. This trio of circumstances combines to create a perfect storm of partial payments and rollovers that keep many borrowers in debt for months, if not years.

The LoanNow Advantage

LoanNow understands that when you need help with bills – waiting weeks for a response just won’t work. Our online application generates responses in minutes. We also never require collateral and we say NO to lump sum payments and rollovers. Check out the LoanNow advantage 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.

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.

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.