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Long Term Loans

When you think of long term loans, it’s likely that you think of mortgages or perhaps car loans.  You may not consider things like payday loans to be long term loans. The unfortunate truth is that payday loans frequently wind up being long term loans, and inflicting tremendous damage to your financial health in the process. LoanNow loans are flexible – the length of the loan varies with the amount and other relevant factors. That’s just one reason why so many people turn to LoanNow!

long term loansMortgage Loans

For major purchases like homes, long term loans make sense. Few people have the means to pay for a home in cash. Even so, many experts recommend choosing a 15-year mortgage over a 30-year mortgage if you are able to handle the monthly payments.  Related to this advice is the recommendation to save as much as possible for a down payment.  The less money you borrow, the less interest you pay. By saving a larger down payment and taking a shorter term mortgage you’ll pay more money up front, but you will save thousands of dollars over the life of your loan.

Car Loans

Many people debate over purchasing a used car with cash or buying a new car and taking a loan.  Paying cash means that you own the car outright – along with any problems.  Buying a new car protect you from defects because of the warrant. But many people find it difficult or impossible to afford to pay for a new car with cash. Taking long term loans for car purchases can make expensive cars more affordable because of the lower monthly payments.  By contrast, taking long term loans for inexpensive cars is often unwise. Because cars depreciate in value so quickly, you could wind up paying far more than the value of the car before your loan is paid off.

Payday Loans

Payday loans aren’t advertised as long term loans – but the way they are structured means they often wind up that way. That’s because payday loans combine high interest rates, required repayment in full and extremely short repayment periods to create a situation that makes it nearly impossible for a majority of borrowers to repay their loans. This triggers a vicious cycle of partial payments and rollovers that can quickly escalate a modest loan of a few hundred dollars into a four-figure commitment.

LoanNow Personal Loans

LoanNow offers loans that vary in length according how much you borrow and other factors relating to your personal circumstances. We don’t take a cookie cutter approach. Find out for yourself why so many people make LoanNow their lender of choice!

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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.