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Get Help with Utility Bills From LoanNow – Easier, Faster, and Better

Electric bills, gas bills, water bills, cell phone bills – your utility bills demand a large chunk of your budget.  But you also have mortgage payments or rent, groceries, transportation, insurance and other basic expenses. Sometimes it’s difficult to make ends meet. Depending on a number of circumstances, including your location and how much you owe – you could obtain help with utility bills from several sources. One of your best options for help with utility bills could very well be LoanNow.

Help with Utility BillsDeferred Payments

You may be able to get help with utility bills directly from the utility companies. Many companies will allow customers who are struggling with their bills to defer payments or make smaller installment payments. You have a better chance of making an arrangement like this work if you have previously maintained a good payment record with the utility company.  Having a credible reason for falling behind, such as serious illness or job loss also tends to make utility companies more sympathetic.  However, this strategy has its limits – you won’t be able to delay more than a few months at most before you face the dreaded prospect of having services suspended.

Friends and Family

If you don’t owe a huge amount, you may be able to get help with utility bills from friends and family members. However, unless you have a large family or lots of friends, you will probably exhaust this source of assistance very soon.  You may also strain your relationships if you’re not able to repay the funds within a reasonable period of time.

Municipal and Charity Help

Municipal and nonprofit help with utility bills is often available to households facing the prospect of having their services shut off. This is especially true with heating bills during the winter or electricity bills from air conditioning in the summer. However, the demand for this kind of assistance is often very high.  The processing time may also be lengthy, although emergencies can sometimes be accommodated.


When you need immediate help with utility bills, turn to LoanNow. Our convenient online application generates a response within minutes. † Less than perfect credit isn’t necessarily a deal breaker. With LoanNow you’re more than your FICO score.  We approve many borrowers banks turn down.  Our repayments are structured in manageable monthly installments that work with your budget. Let LoanNow provide the money you need, when you need it – with repayment terms you can live with.

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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.