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Money Today

If you need money today from a loan, a bank isn’t a viable choice.  Even if you’re a long time customer, it’s nearly impossible to obtain a loan immediately from a bank unless you have already established a line of credit. However, many options for acquiring immediate cash feature elements that are far from desirable.   Fortunately, LoanNow provides you the money you need without enduring the wait of a bank – or the drawbacks of short term loans.

Money LenderBorrowing from Friends and Family

A time honored tradition for obtaining money today is borrowing from friends and family members.  If your BFF is spotting you 20 bucks until Friday, that’s no problem. On the other hand, large loans that go unpaid for months or years can strain even close relationships beyond the breaking point.

If you decide to borrow from those closest to you, make sure both parties are on the same page about when the loan will be repaid, and whether repayment will take place in installments or in a lump sum.  A written agreement isn’t a bad idea. Don’t let the idea of drawing up papers intimidate you. No one says you need to hire an attorney to draft a formal document stuffed with legalese.  A simple typed or handwritten document, signed by both borrower and lender will suffice.

Credit Card Cash Advances

If you’re fortunate enough to have a credit card with a generous credit limit, obtaining money today may require nothing more than a trip to your local ATM.  But beware. Credit card cash advances, unlike purchase transactions, begin to accumulate interest from the minute the money hits your hot little hand. Worse, the APR for credit card cash advances is often much higher than for purchases.

Pawn Shops

Your favorite Aunt Mildred gave you her gorgeous diamond and sapphire ring when you graduated from college.  Or your dad bought you a top-of-the-line iGadget when you landed your first job.  If you need money today, pawn shops will gladly accept such items in exchange for a no-questions-asked loan.  However, you will only receive a fraction of the actual value of the merchandise you surrender as collateral.  You’ll also only have about 30 to 60 days to repay the loan – or lose your possessions for good.

The LoanNow Difference

The above examples illustrate that the convenience of obtaining money today often comes with a potentially high price.  For many borrowers, LoanNow provides a better option.  We never require collateral for our loans, and your friendships and family ties aren’t on the line, either.

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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.