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Long Term Loans for Bad Credit From LoanNow – Easier, Faster, and Better

Installment loans represent one of the best strategies for purchasing big ticket items.  By taking a loan rather than waiting to pay cash, because you’re able to enjoy the benefits of your purchases while you’re making payments.  In particular, many people would find it difficult or impossible to purchase a home without the benefit of installment payments.  But would-be borrowers with marginal credit are often unable to qualify for bank installment loans.  Alternative sources of long term loans for bad credit often impose unfavorable terms. Fortunately, LoanNow provides the convenience of installment payments for borrowers who would otherwise be stuck with bad loans.

Bank Loans and Bad Credit

Attempting to obtain long term loans for bad credit from banks often results in frustration.  Banks require prospective borrowers to have good or excellent credit to qualify for the best rates.  Would be borrowers with marginal credit are often required to provide collateral or a credit-worthy co-signer to qualify for a loan at all. Borrowers with poor credit are usually refused outright.

Long Term Car Loans

Unlike many other types of loans, long term loans for bad credit are fairly easily to obtain for purchasing automobiles.   That’s because car loans are secured by the car that the loan is used to purchase.  Borrowers who fail to repay their loans lose their cars to repossession. Nonetheless, loans with the best terms are only available for borrowers with good to excellent credit — and no outstanding car loans.

Long-Term Payday Loans

Technically speaking, payday loans do not qualify as long term loans for bad credit. Payday loans are typically structured as short term loans with repayment periods averaging 14 days.  But payday loans combine a triple threat of high interest rates, a requirement for lump sum repayment and extremely short repayment periods that make it difficult, if not impossible, for many  borrowers to repay their loans on their original due dates.  Instead, borrowers are caught in a vicious cycle of partial payments and rollovers that can transform a short-term small dollar loan into a substantial debt that requires months – and sometimes years – before being repaid in full.

The LoanNow Advantage

Rather than settling for payday loans that become long term loans for bad credit, check out LoanNow.   We look beyond your FICO score to consider your whole financial profile, and our loans are structured with manageable monthly installments, not lump sum repayments. LoanNow provides good people with the cash they need now!

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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.