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Best Unsecured Loans

When you’re seeking credit, it’s natural to attempt to obtain the most advantageous terms possible.  Many people automatically assume that unsecured loans are better than secured loans. But in some cases what appear to be the best unsecured loans are actually little more than financial traps. But LoanNow offers loans that provide both convenience and manageability. For many borrowers, LoanNow offers the best unsecured loans available!

best loansBank and Credit Union Loans: Best Interest Rates

It’s no secret that banks and especially credit unions offer the lowest interest rates and APRs on their loans. If you have great credit, banks and credit unions possibly provide the best unsecured loans for your needs. But people with marginal or poor credit are unlikely to be approved for unsecured loans.  And even borrowers with the best credit must often wait weeks for a decision on a bank loan – which can be problematic if you’re facing a financial emergency.

Peer-to-Peer Loans: Best if You Have a Great Story

If your credit is less than optimal but you have a sympathetic story to tell, peer-to-peer loans may provide the best unsecured loans. Most peer-to-peer lending platforms screen out borrowers who have credit lower than the mid-600s, so that’s not an option if your credit is badly damaged.  Borrowers must also be willing to share detailed personal and financial details with a semi-public audience to attract lenders, which is understandably problematic for many borrowers. Some borrowers fail to receive funding for their loan requests, despite providing extensively detailed profiles.

Payday Loans: the Best Possible Financial Trap

Desperate borrowers with poor credit and few assets are often drawn toward payday loans. There is little wonder: payday lenders extend credit to nearly anyone who demonstrates that they have a regular source of income.  But despite their lax lending standards, payday loans are far from the best unsecured loans for any borrower.  Payday borrowers pay a premium in the form of extremely high interest rates and unrealistically short repayment periods. The cost escalates even more with payday loan rollovers, which can multiply a modest three-figure loan into a four-figure financial trap.

LoanNow: Maybe the Best Option for You

LoanNow provides loans without the wait of bank loans and without the need to expose your financial business to the world.   Our repayment periods are structured into manageable monthly installments. And we say no to rollovers that can dig you deeper into debt. For many borrowers, LoanNow provides the very best unsecured loans!

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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.