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Long Term Personal Loans From LoanNow – Easier, Faster, and Better

Despite your best efforts, sometimes you need to borrow money, either to deal with a financial emergency or to finance a major expense.  Long term personal loans allow you to obtain the money you need now, with installment loans that work with your budget. For many borrowers, LoanNow is the best choice for long term personal loans!

Long Term Personal LoansThe Bank of Mom and Dad

Long term personal loans from family members or friends are often granted with few questions asked and no strings attached.  But if the loan goes unpaid for too long, or if the lender runs into financial difficulties, relationships can be stretched beyond the breaking point.  If you opt to borrow from a family member or a friend, treat the loan like the financial obligation that it is.  Draw up a contract that spells out the terms of the loan to prevent future misunderstandings. You don’t need a formal parchment document drawn up by an attorney. A letter that includes the amount to be repaid along with the expected repayment date will suffice.

Bank Loans

Banks and credit unions are a traditional source for long term personal loans.  For borrowers with good credit and substantial assets, bank loans are an excellent resource.  But borrowers with marginal credit or who lack significant assets are often required to provide collateral or a creditworthy co-signer to qualify for loans.  Borrowers with poor credit are often turned down outright. And even borrowers with sterling credit ratings must often wait weeks for a lending decision.

Nonbank Lenders

Nonbank lenders such as finance companies, online lending brokers and peer-to-peer lenders provide long term personal loans with varying interest rates, APRs and repayment terms.  Finance companies tend to be somewhat more lenient with underwriting than banks, but charge higher interest rates. Online lending brokers and peer-to-peer lenders require borrowers to allow their personal and financial information to be shared with third parties.  The lending process from all three types of lenders can be lengthy, which can be problematic if you’re dealing with a financial emergency.


LoanNow provides long term financial loans with the convenience and speed of online lenders, and the manageable monthly installment repayments of bank loans.  As a direct lender, we don’t share your personal information with third parties. We also consider more than your FICO score in making lending decisions. LoanNow provides the cash you need now and repayment plans you can live with.  Check us out 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.

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.