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Instant Credit Cards

You submit a credit card application online and receive an answer in seconds. If your application is approved you receive your card number, expiration date and security code immediately so you can begin shopping online right away. That’s the magic of instant credit cards. And while instant credit cards can be convenient, the temptation to overspend with a virtual credit card can ultimately be hazardous to your financial health.

With LoanNow, you not only receive the cash you need, you also obtain access to tools to help you manage your finances wisely.  Our aim is to allow you to meet your immediate financial needs and improve your financial future.  If that sounds good to you, then what are you waiting for? Check out LoanNow today?

instant-credit-cardsHow Instant Credit Cards Work

The Internet has changed many aspects of life in the industrialized world, including the way people obtain and use credit cards. Back in the day, it was necessary to complete a paper application and submit it by postal mail. After several weeks, applicants would receive a response to their applications – either a credit card or a letter expressing regrets that you had not been approved.

Today, many credit card applications are submitted online, and approved applicants receive virtual instant credit cards long before their physical credit cards arrive in the mail.  This process is possible because financial information for millions of consumers is stored online and shared among financial institutions electronically. The danger with such a process is that you could rack up a sizeable bill long before you actually receive your credit card! Fortunately many credit card issuers recognize this fact and place limits on how much of the available credit limit is made available immediately.

LoanNow and Your Finances 

Although LoanNow does not offer instant credit cards, we do offer the convenience of applying for your loan online. We also provide speedy responses and convenient access to your much-needed funds. Whether you’re planning much needed repairs on your home or paying off an overdue utility bill, LoanNow provides you with the funds you need when you need them.

But at LoanNow, our mission is more than providing instant loans. We also aim to help our customers improve their overall financial circumstances by educating them on how money works – and how to handle their finances better in the future.  We’re a different kind of lending company. Why not let LoanNow help improve your finances!

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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.