Helping Good People Get Better Loans

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Money Now

If you’re facing a financial emergency, waiting weeks for a response from a bank loan application is frequently not an option. You need money now.  But many options for immediate cash have significant disadvantages that outweigh their initial convenience.  LoanNow is different. We provide the money you need without the wait of a bank loan, and without the drawbacks less desirable lending sources.

Money LenderPawn Shops

Pawn shops are often the lender of last resort for borrowers who need money now but who can’t qualify for bank loans. In exchange for conducting no credit checks and providing loans with no questions asked, pawn shops demand borrowers to present items of value such as jewelry or high-tech electronics – and surrender those items on the spot as collateral.  Pawn shop loans typically cover only a fraction of the value of items provided as collateral. Repayment is required within 30 to 60 days. Borrowers who fail to repay their loans forfeit their items for good.

Payday Loan Stores

Many borrowers who need money now resort to payday loan stores. While it’s often inconvenient to make a trip across town to get to a payday loan store, the tradeoff is that approved borrowers receive cash on the spot. But that’s where the convenience ends.  Payday loan stores demand borrowers submit one or more post-dated checks that are deposited into borrowers’ bank accounts as repayment – whether there are available funds to cover them or not.

Because of the short repayment periods for payday loans, the odds are good that borrowers won’t have sufficient funds to repay their loans in full. That’s when rollovers kick in: partial payments matched with refinanced balances.  Many borrowers find themselves falling further behind with each rollover, and after just a few rollovers, may even owe more than their original loans – despite making regular payments!

Online Payday Lenders

Many borrowers seeking money now attempt to avoid the hassle of dealing with payday loan stores by submitting applications to online payday lenders. But many so-called payday lenders aren’t really lenders at all. They are aggregators that collect borrower information to distribute to third parties.  In some cases, aggregators deal directly with a specified set of direct payday lenders. But in many cases, borrowers’ financial data and personal information are sold to the highest bidder – including SPAM artists, scammers and identity thieves. Nobody has time for that.

LoanNow

LoanNow understand that when you’re dealing with an urgent financial situation, you need money now, not weeks from now.  Our online applications are processed in minutes or hours, not weeks.  Approved borrowers receive their funds by convenient direct deposit as soon as the following business day†.  As a direct lender, we never share your information with third parties.

If your credit is less than perfect, you may still be approved, because we look beyond FICO scores to consider your whole financial profile.  We also never require collateral and our loans are structured with manageable monthly installments, not lump sum payments – and no rollovers. For the money you need and repayment terms you can live with – 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.