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Long Term Loans No Credit Check From LoanNow – Easier, Faster, and Better

In the search for long term loans no credit check seems like an ideal situation.  But such loans are seldom what they appear to be.  Some lending websites promise no credit checks – but actually don’t offer loans.  Other lenders do provide loans with no conventional credit check – but those loans often turn out to have much longer repayment periods than borrowers bargained for.  Fortunately, LoanNow provides real long term loans with repayment periods you can live with.

Payday Loan Stores

In an attempt to crack down on payday loan abuse, some states have outlawed extremely short repayment terms for payday loans.  Payday loan stores have often responded by offering “installment” loans designed to comply with the letter rather than the spirit of the law.  With these payday loan store long term loans no credit check usually means an installment loan with payments due every week or every two weeks. That’s not really more manageable than being required to repay the entire loan at once!

Online Payday “Lenders”

You may have seen payday lending website headlines like “No credit check!” and “100 percent acceptance!” But with many payday lending website claims for long term loans no credit check actually means no loans.  That’s because many online payday lending websites are not lenders at all, but intermediaries that collect information from prospective borrowers to distribute to third parties that may or may not be lenders. In fact, in many cases, information is simply sold to the highest bidder, which may include scammers and identity thieves, putting your finances at risk.

Direct Online Payday Lenders

With some direct payday lender long term loans no credit check merely means no hard pull for borrowers’ FICO scores. And while repayment periods may be longer than those for conventional payday loans, payments are still usually required every two weeks.  Some online payday lenders operate in Native American enclaves; others are based outside the United States – outside of the jurisdiction of the federal government.


With long term loans no credit check often means loans with super high interest rates and subpar repayment terms.  LoanNow considers your whole financial situation, not just your FICO score, and we approve many borrowers banks turn down.  As a direct lender, we handle your loan from application to repayment – we don’t share your information with third parties.  And our loans are structured with manageable monthly installments, not payments every two weeks. Check out the LoanNow difference today!

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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.