Helping Good People Get Better Loans

Check Your Rate

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

You’ve received a shut off notice from the electric company.   While the situation seems dire, there’s no need to panic.  Especially if you have some lead time before the shutoff date, there are resources available to help with light bill payments.  Even if your shut off date is just days away, you could receive the funds you need from LoanNow

Help with Light BillsContact the Utility

If you’ve maintained a good payment record in the past, your utility bill may provide help with light bill payment by allowing you to delay a payment or make a smaller payment before your due date.  If you can present a valid reason that you haven’t paid, such as a medical emergency, your request is more likely to be accepted. Make the call before your lights are shut off, because it’s much more difficult to restore service.  You might also have to pay a restoral fee, which would only add to your financial burden.

Seek Charity or Municipal Assistance

Having your electricity shut off during a heat wave can make the temperature inside your home or apartment dangerously unbearable.  If that’s the scenario you’re facing, your local municipality may be able to provide emergency help with light bill payments. Charity and nonprofit organizations may also be able to help.  Be forewarned that the demand for this type of assistance is very high, so only limited help may be available. You should also apply as far in advance of your shut off date as possible, because processing times can be very lengthy.

Plug Into a Neighbor’s Socket

If you cannot obtain help with light bill payments and your electricity is cut off, you can ask a neighbor for permission to run an extension cord to one of his or her sockets, at least for a few days. Don’t expect to be able to run anything but basic most basic essentials through this type of arrangement, due to the potential danger of electrical fire or electrocution – and because of the added expense for your neighbor. If you live in an apartment, you could run an extension cord to a common outlet in the hallway, and hope the property manager doesn’t find out about it.

Apply for a LoanNow Loan

With LoanNow, there’s no need to run a clandestine extension cord outside your home to obtain electricity. You can get help with light bill payments and avoid shut off altogether with one of our personal loans.  Not-so-great credit isn’t a deal breaker. With LoanNow, you’re more than your FICO score. We often say yes when banks say no.  And our online application generates a response within minutes †.  Don’t be left in the dark. Turn to LoanNow to get the funds you need – when you need them.

Check Your Rate

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.