Helping Good People Get Better Loans

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Instant Loans

When a financial emergency arises, instant loans may seem like a lifeline. But borrowing from the wrong sources can leave you in a worse financial situation. With LoanNow, you can obtain the money you need, when you need it, without the risks associated with other types of instant loans.

instant loansInstant Loans from Friends and Family 

In one respect, instant loans from friends and family represent the ideal, especially if your needs are modest. There are usually few or no questions asked, and few demands such as collateral. In many cases, you’re not even required to pay interest. But instant loans from friends and family also carry risks.  One of the most significant risks is associated with being unable to repay the loan. Friendships and family ties can be strained, frayed or even destroyed.

Instant Loans from Pawn Shops

Pawn shops were established to provide instant loans with no questions asked.  For desperate borrowers, pawn shops represent one of the few resources available. But instant loans from pawn shops come with a catch – you must surrender your personal property on the spot as collateral.  Additionally, pawn shop loans only cover a fraction of the value of the items that you surrender.  Finally, if you repay the loan, with interest, within a specified period – often 30 to 60 days – you forfeit your property permanently.

Instant Loans from Payday Lenders

On the surface, instant loans from payday lenders can be appealing to borrowers who cannot borrow from friends and family and who do not own valuable property. Unlike pawn shops, payday lenders don’t require collateral. Unlike banks, payday lenders are often willing to overlook bad credit.

But payday loans are actually a trap. The combination of sky-high interest rates and unrealistically short repayment periods means that many borrowers cannot repay their loans on time. That triggers a cycle of partial payments, rollovers and additional interest charges and administrative fees that can result in borrowers owing more than the original amount of their loans – despite making regular payments for months or years!

The LoanNow Difference

With LoanNow, you won’t wait weeks for a decision. We also look past your FICO score to consider your whole financial profile – we approve many borrowers that banks turn down. We never require collateral and we say no to rollovers. We’re the better than a bank alternative – providing the money you need with 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.

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.