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Instant Cash Advance

It happens to many of us – we encounter a situation where we need cash immediately. Obtaining an instant cash advance is an obvious solution – but from where?  Possible sources include credit card cash advances or an advance on your paycheck from your employer.  Some desperate borrowers may consider an instant cash advance from a payday lender.  But instead of maxing out your plastic or possibly putting your job at risk, why not consider a better than a bank loan from LoanNow?

instant-cash-advanceCredit Card Cash Advances 

Getting an instant cash advance from one or more credit cards can be as simple as a trip to the closest ATM.  No lengthy applications, no embarrassing questions about why you need or want the money – as long as you have funds available on your credit limit, you’re good to go.  But unlike purchase transactions, credit card cash advances often have no grace period, which means that interest charges begin to accumulate from the minute you receive your cash.  And those interest rates are significantly higher, too.

Paycheck Advances from an Employer 

If your child is seriously ill or a tornado has flattened your house, you’re likely to get a sympathetic reception from an employer if you request an instant cash advance against your paycheck. If you’re asking for the money to cover a gambling debt or to pay an attorney retainer to fight a DUI charge, probably not so much. In fact, if you request a cash advance from an employer for circumstances that don’t qualify as a genuine emergency, you may be putting your job at risk because your employer may begin to question your overall judgment.

The Payday Loan Trap

For borrowers without the option of obtaining credit card cash advances or an advance against a paycheck from an employer, payday loans may represent one of the few alternatives for obtaining an instant cash advance. But payday loans are wolves in sheep’s’ clothing. The lax credit underwriting and convenience of payday loans is more than outweighed by their sky high interest rates and unrealistically short repayment periods. Many borrowers find themselves unable to repay their loans when the original repayment date arrives – triggering a cycle of partial payments and rollovers that can persist for months, if not years.

LoanNow – the Better than a Bank Loan

You don’t have to risk the disapproval of your boss or max out your plastic to get the money you need. LoanNow features fast application processing and manageable repayment periods. It’s really the best of both worlds!

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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.