Helping Good People Get Better Loans

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Get the Right Loan Length

Many loans available to borrowers with less than perfect credit repayment in a single lump sum.  At LoanNow, we approach loans differently. We understand that loan length can be critical in affecting your ability to repay what you owe. That’s why we structure our loans to work with your budget – not put you in a bind.

Loan LengthPawn Shop Loans

Pawn shops have long served as the lender of last resort for borrowers who could not qualify for bank loans. However, pawn shop loans require borrowers to present valuable property as collateral for their loans. Borrowers generally receive about 25 to 30 percent of the actual value of the property they surrender.  Repayment for pawn shop loans is expected in full, generally within 30 to 60 days, although the actual loan length varies with individual pawn shops. Borrowers who fail to repay their pawn shop loans forfeit their property for good. No bueno!

Payday Loans

Whether you borrow from a payday loan store or an online payday lender, the general procedure for borrowing a payday loan is the same: submit your job and bank information and wait for a response.   For borrowers with steady jobs and active bank accounts, in the vast majority of cases, the answer is yes.  But the initial relief of obtaining much needed cash is quickly extinguished when borrowers realize that they must repay their loans in a lumps sum, along with how short the loan length is for their loans. Typical loan length for payday loans is about 2 weeks, although some payday loans have repayment periods as short as 10 days.

Such short repayment periods, coupled with high interest rates, make it difficult, if not impossible for many borrowers to repay their loans in full. This triggers a cycle of partial payments and rollovers that traps many borrowers in a cycle of debt that persists for months, and sometimes for years. Who has time for that?


LoanNow doesn’t expect borrowers to put their personal possessions on the line.  We never require collateral as a condition for our loans. We also don’t expect lump sum repayments. Instead, our loan length is influenced by the amount that you borrow, and repayments are structured in manageable monthly installments that work with your budget. If you are having trouble maintaining your payments, we work with you to get you back on track – without resorting to rollovers.  At LoanNow, our mission is to provide the money you need now while empowering you to improve your financial future. Why not check out the LoanNow difference for yourself!

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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.