Helping Good People Get Better Loans

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Get the Right Personal Loan Amount

If you have less than perfect credit and you’re desperate for cash, you may be relieved to be approved for nearly any loan amount. But borrowing too little money can sometimes make your financial situation worse in the long run.  When you’re approved by LoanNow, the loan amount you receive will be sufficient to enable you to deal with whatever financial situations prompted you to borrow in the first place – and we’ll structure your repayments to work with your budget.

Loan AmountLoans for a Fraction of Collateral Value

Many borrowers with blemished credit gather up whatever possessions they have of any value and make the trip across town to a pawn shop.  Pawn shops don’t care about your credit because they don’t do credit checks. The possessions you offer as collateral serve as your credit. However, the loan amount for pawn shop loans is typically limited to about 25 to 30 percent of the value of the possessions surrendered by borrowers.  Borrowers are expected to repay their loans, in full, with interest, within 30 to 60 days. Otherwise, they risk forfeiting their property permanently.

Small Dollar, High Interest Loans

Unlike pawn shops, payday lenders typically do not require collateral from borrowers. As many payday loan ads state, your paycheck is your credit.  While many borrowers with less than perfect credit initially view payday loans as financial lifelines, the small dollar loan amount typically offered by a payday lender is often insufficient to make a real difference in the borrowers’ financial circumstances.  A loan of 200 dollars may cover a single cell phone bill or a week’s worth of groceries for a family, but many payday loan borrowers seek out two, three or even more payday loans to deal with financial emergencies – or just to cover day –to –day expenses.

Even worse, many payday loans that start out as a modest loan amount quickly mushroom into a severe financial obligation because of their short repayment periods.  Borrowers are frequently caught in a relentless cycle of partial payments and rollovers that keep them in debt for months, if not years before they finally pay off their loans.

Loans to Make a Real Dent in a Financial EmergencyLoan Amount

At LoanNow, our online application system generates responses in minutes or hours.  We never require collateral, and we consider your entire financial profile, not just your FICO score. We often say yes when banks say no. Approved borrowers receive a loan amount sufficient to make a real dent in their financial obligations as a convenient electronic deposit into their bank accounts. LoanNow repayments are structured in manageable monthly installments – not lump sums and NO rollovers. Many savvy borrowers have made LoanNow their go-to source for loans – why not you?

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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.