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Money To Loan

In the 21st century, there are a wide variety of institutions offering money to loan.  Depending on your circumstances, you could obtain a loan funded by multiple strangers or a hard money loan backed by real estate. Or you could go the traditional route of applying for a bank loan.  However, for many borrowers LoanNow provides the ideal option for money to loan.

Money LenderTraditional Bank Loans

Banks are the most traditional sources of money to loan. Bank loans typically carry the lowest interest rates along with monthly installment payment plans.  For borrowers with good credit who can afford to wait for a decision, bank loans are often ideal. On the other hand, applicants with marginal credit often find that they are required to provide collateral or a credit worthy co-signer to be approved for a bank loan. Applicants with poor credit are turned down outright.

Online Lending Brokers

Online lending brokers represent a somewhat unconventional source of money to loan. Applicants enjoy the convenience of submitting their information online, in the privacy of their own homes and on their own schedules. Approved borrowers often receive multiple offers with favorable APRs. Repayment plans are structured much like bank loans with monthly installments. However, borrowers with marginal credit may receive only a single loan offer or none at all.

Peer-to-Peer Lenders

Peer-to-peer lenders provide money to loan by adapting the crowd funding model to an online lending platform. Potential borrowers must submit extensive profiles that include personal information as well as financial data, and post the profiles on a semi-public forum within the lending website. Potential lenders can choose to fund some, all or none of a potential borrower’s loan request. Many borrowers find the peer-to-peer model to be intrusive, and the lending process can be lengthy. In addition, borrowers with credit scores below the mid-600 range are almost always turned down.

Hard Money Loans

Hard money lenders are among the most demanding sources of money to loan. You must own a home or other piece of property to qualify. However with requiring good credit from potential borrowers, hard money loans typically total only about 70 percent of the property’s After Repaired Value (APR). For a home with an APR of 200,000 dollars, the maximum hard money loan would be about 140,000 dollars.

LoanNow

For many borrowers, LoanNow represents the best of all options for money to loan. As a direct lender, we do not share borrowers’ information with third parties. We also do not require collateral or property as a condition for qualifying for a loan. If your credit is less than perfect, you may still be approved. We look beyond FICO scores to consider your entire financial profile.  Best of all, your application with LoanNow will receive a response within minutes or hours – not days.  For the money you need, when you need it, check out LoanNow!

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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.