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Payday Loans Online No Credit Check

Payday loans are hazardous to your financial health. Whether you visit a payday loan store or apply for payday loans online, you are setting yourself up for a potential long term financial trap. LoanNow provides all the advantages of payday loans online with none of the drawbacks associated with payday loans.

Payday Loans OnlineDirect Lenders versus Aggregators 

In applying for payday loans online, borrowers are quickly encountered with the need to distinguish direct lenders from aggregators. Aggregators draw would-be borrowers to their sites with promises like “NO CREDIT CHECK” and “No one turned down!” Such claims are especially appealing to desperate applicants who have been turned down by banks or even other payday lenders. But online aggregators are not lenders. They merely distribute your financial and personal information to third parties that may or may not be payday lenders. Borrowers who  submit their information to payday aggregator websites often find their email in-boxes flooded with unsolicited “offers” from payday companies they haven’t even heard of.

Repaying Payday Loans Online 

Payday loans online from direct lenders also carry hazards for borrowers.  Unlike payday loan stores, online payday lenders are often based out of state or even outside the country.  This is problematic for two reasons. First, dealing with nonlocal lenders presents potential difficulties in resolving problems and challenges in the administration and repayment of the loan. Second, you may not be able to enlist local law enforcement offices, because they may lack jurisdiction over the lender.

You may also run into problems with ACH withdrawals for payday loan repayment. Unlike checks, for which you can order a stop payment, there is no easy procedure to unauthorize an ACH withdrawal from an account.  Unscrupulous payday lenders have been known to make multiple attempts to complete ACH withdrawals, despite requests from borrowers not to do so.  Banks have also been complicit, with some banks content to collect multiple NSF fees from borrowers.

LoanNow Is Different 

The initial application process for LoanNow resembles the procedure for applying for payday loans online. We’re just as fast and convenient in processing applications and administering funds as payday lenders. . But unlike anonymous payday lenders with sketchy contact information, LoanNow is based in California, and makes its contact information readily available on the website. Customer service assistance is available by email and phone to assist with application – and with repayment.  Why not see for yourself what a loan from LoanNow can do to improve YOUR financial bottom line!

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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.