Helping Good People Get Better Loans

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Fast Cash Loans

If you needed money in the past, you were often forced to choose between fast cash loans and loans with reasonable repayment periods.  Loans with reasonable repayment periods – especially bank loans, required piles of paperwork and weeks of waiting. Fast cash loans, such as pawn shops or payday loans, carried undesirable features like high interest rates and short repayment periods. With LoanNow, those choices are no longer necessary. You can have fast loans AND reasonable repayment terms.

Fast LoansBank Loans and Your FICO Score

The main advantage of bank loans is that they often represent the least expensive form of credit. Repayment terms for bank loans are also structured to be manageable, with monthly installment payments. But banks set a high bar for borrowers. The joke about banks only approving borrowers who don’t need the money might be an exaggeration, but it’s based in truth. Establishing creditworthiness for bank loans involves one simple principle. If you have good credit and a high FICO score, your prospects for borrowing are good. If you have marginal credit, not so much – unless you provide collateral, a creditworthy co-signer or both. But even for borrowers with excellent credit, obtaining fast loans from banks is nearly impossible.

Financial Emergencies and Deep Pockets

Life often throws curves that create financial emergencies. Your daughter falls and breaks her arm. Your car suffers serious damage in a hail storm.  Even the most financially prudent individuals and households can be caught by surprise. In such circumstances, bank loans are simply not an option.

If you’re fortunate enough to have family members or friends with deep pockets, you can obtain fast cash loans with few or no questions asked.  Otherwise, you’re left with much less desirable options. You may have to relinquish the prized gold watch you inherited from your grandfather – at least temporarily – to obtain a pawn shop loan. If you’re truly desperate and have no valuable property, you may be tempted to turn to payday lenders for fast cash loans. But whether your borrow from a local payday loan store or an online payday lender, you may be setting yourself up for a cycle of escalating debt, due to the high interest rates and short repayment periods associated with payday loans.

The LoanNow Difference

With LoanNow, you don’t have to choose between fast loans and reasonable repayment periods. We process applications and disburse funds as fast as payday lenders. But our repayment schedules are structured with manageable monthly installments – just like banks.  We also look beyond your FICO score to consider your entire financial situation in making a lending decision.  Let LoanNow help you deal with your financial shortfalls!

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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.