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Get An Unsecured Loan From LoanNow

When you’re seeking credit, it’s natural that unsecured loans may be among the options that you consider first.  Obtaining the funds you need without the need to provide collateral is understandably attractive. But all unsecured loans are not created equal, and especially not payday loans. LoanNow provides unsecured loans with speed and convenience – that also feature fair and affordable repayment terms you can live with!

Installment Loans

Unsecured Loan Advantages

The most obvious advantage of unsecured loans is the fact that they are unsecured. You don’t have to put any of your own property up as security, nor are you required to provide a credit-worthy co-signer. You are granted or declined for unsecured loans based on your demonstrated ability to repay the financial obligation.

Unsecured loans from banks and credit unions also tend to carry lower interest rates and APRs than credit card advances, loans from finance companies or payday loans.  In addition, repayments for unsecured loans from banks, credit unions and finance companies are structured in monthly installments.  This combination tends to make unsecured loans more manageable than other types of credit.

Unsecured Loan Drawbacks

Despite their advantages, unsecured loans also have drawbacks. Unsecured loans from banks and credit unions tend to have higher interest rates than secured bank or credit union loans for all but the most creditworthy borrowers. Unsecured loans from banks especially often involve lengthy applications and long waits for lending decisions.

Unsecured loans from credit card advances carry higher interest rates than credit card purchase transactions. There are also no grace periods, which means that interest begins to accumulate the minute you withdraw funds from your account.  Unsecured loans from payday lenders are even worse – high interest rates coupled with unrealistically short repayment periods often result in borrowers becoming trapped in a cycle of partial payments and rollovers that cause loan amounts to rise rather than fall.

LoanNow Unsecured Loans

Unsecured Loans LoanNow
LoanNow understands that waiting weeks for a bank decision is often simply not an option. When you’re facing a medical emergency or the threat of losing vital utility service, you need money now, not a month from now. LoanNow also looks beyond your FICO score to consider your entire financial profile. We say yes when many banks say no.  LoanNow never requires collateral, not even your car title. And we structure our repayments into manageable monthly installments that are easier to integrate into your overall budget.  Let LoanNow help you deal with your next financial emergency!

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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.

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* 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.