Personal Loans Starting at 4.99%

Credit Scores Reviewed to 450
2, 5, & 7 Year Loans up to 70K
No Title/Payday Loans
Min Loan Term 2 Years

No Initial Credit Check!

* Using tool will not lower your score.
* We do not share your information.
* You will not receive any unwanted contacts
* SSL Secured

Unsecured Personal Loans

Loans Now, the best unsecured loans online for bad credit, good credit, no credit

Check Your Credit Score

How We Work

About Loans Now



Checking rate will not affect your credit score.


No payday or title loans.


Have access to more funds.


We offer loans down to a score of 450.


Usually within 24 hours.


One on one interaction.

Getting bad credit personal loans (not a payday loan) is easier thanks to Loans Now.
Below is a Representative Example:

Credit Score Loan Amount Term Sample Monthly Payment / Total Payment FEE
450+ $2500 5 Years $90.33 / $5419.80 0%
550+ $2500 5 Years $76.34 / $4580.40 0%
600+ $2500 5 Years $63.48/ $3808.80 0%
650+ $2500 5 Years $55.61 / $3336.60 0%
700+ $2500 5 Years $49.50/ $2970.00 0%
750+ $2500 5 Years $47.17/ $2830.20 0%


* Not all candidates will qualify
* Loans Now never Charges any upfront fees, if you are asked for any upfront fees
never pay them to anyone for the purposes of borrowing.
* Loans Now Never Charges any fees ever, simply answer a few questions and be on your way to obtaining a loan in as little as 3 hours.

How to Get an Unsecured Loan

Identify how much money you will need to borrow
Will you need collateral for your loan?
Gather your bills and pay stubs
Calculate your current Debt to Income Ratio
Check your Credit Score
Seek out companies which offer loans in your state
Inquire about interest rates based on your credit score
Decide on a Loan Product
Apply for a Loan

Who is a Loans Now customer?

An unsecured loans customer is everyone. That’s right.

Loans without collateral are used by everyone, all of the time. These loans are used to purchase that new item you may have had your eye on. They could be used for an unexpected expense in which you need extra funds to help you through. Loans Now understands that each individual is just that, an individual. Individuals have unique needs and lifestyles. That is why Loans Now states that we have the “right product for your lifestyle.”

We often hear the question, “what is an unsecured loan?” Unsecured loans are just that, unsecured. What does unsecured mean? Unsecured means that you are offering no collateral. Collateral is usually in the form of a vehicle, investment product or real estate.

Personal unsecured loans are made to individuals, not companies. They are the same as personal installment loans and cover a wide variety of individuals and situations. These individuals may need bad credit, fair credit, or good credit personal loans. These are not title or payday loans. Personal loans are fixed loans for a certain time period. This time period is usually either 2, 3, 5 or 7 years.


What are Unsecured Personal Loans? How can Loans Now Help me?

Loans Now has been in business since 2013. It was created to assist individuals in obtaining hard to find bad credit loan through our unique Loan Discovery Process. After years in the financial services’ industry, it was becoming obvious that lending sources were becoming scarce – and even more troublesome was the fact that lending guidelines were becoming even more strict.

Given these new challenges, Loans Now saw the need for a platform which could assist clients like you by compiling the best possible loan products available into one space. That space was Unsecured Personal Loans Now.

One of the best aspects of Loans Now is the fact that we service all credit types to include credit cards, and personal installment loans. We have sought out the best programs and have included the longest repayment terms available so that our clients have the best opportunity to obtain the loans that they are seeking. Loans Now adheres to several standards. In no way does Loans Now ever collect information which would compromise the identity or security of our clients. Loans Now never charges a fee for any product or service. Loans Now never shares any information with 3rd parties, so our clients never receive harassing phone calls or emails. Even more exciting is that Loans Now works with our partners to offer bad credit loans We review credit scores down to 450.


How do I use the Loans Now to secure a personal loan with online approval?

Tools on the Home Page

Loans Now clients can answer the short questionnaire located on the Loan Discovery page to obtain additional help by answering a few questions. They are given personalized service and receive our best programs based on that information. We do recommend using our ‘know your score’ link to identify your current credit score prior to starting the process, or any loan process for that matter. This helps our clients to receive a no credit check loan. Loans Now clients may also search out credit card offers by clicking on the link located on the homepage.

Loan Discovery Process

Another aspect that makes Loans Now distinct in the personal loans industry is the recently introduced ‘Loan Discovery’ process. This is a quick and efficient way for clients to connect one-on-one with a loan discovery specialist, rather than choose from various lending products available once they’ve responded to the questionnaire on the Loans Now website.

Our Loan Discovery approach not only improves our client success rates, but it helps our clients avoid having their credit pulled multiple times as they seek the ideal loan solution. Our goal is to provide honest, transparent information that helps our clients get the unsecured personal loan that’s right for them.

How Can I Get An Unsecured Bad Credit Loan?

If you’ve got poor or bad credit, loans can sometimes be hard to find. We specialize in identifying and obtaining, personal loans bad credit, poor or good. That’s one of the reasons why our Loan Discovery Program is so popular, it helps identify loans for people with bad credit – helping them pay bills, get that extra cash they need, finance needed home repairs, or pay for any other project.

If you’ve got bad credit, don’t let that deter you from using our unsecured bad credit loans service – we’ve helped thousands of clients identify the right loan for their needs. You can get a loan with bad credit – but how you do it matters. Loans Now, a specialist in unsecured loans for bad credit, provides an easy, quick approach to identifying the right loan without harming your credit score. We don’t take any personal information, so your details stay safe. If you’ve been wondering, ‘how can I borrow money with bad credit?’ – you’ve come to the right place.


Unsecured Loans No Credit Check

Are you in need of money, but lenders keep turning your requests for help down? Do they tell you that you do not have a good enough credit score? Access to financial options can be a challenge for people with bad credit. It is even more difficult for someone who lacks a credit history. And submitting so many requests for financing is not helping; in fact, it is actually damaging your credit score even more! That is why Loans Now is here: to provide people with options to help them get the money they need when they need it, and without worsening their credit any more than it may already be. Our Loan Discovery Process is your path to receiving the funds you need, even with little to no credit, making Loans Now a great solution for those seeking unsecured loans for no credit check.

500 Credit Score Unsecured Loans

No credit history personal loans for 500 credit score may not be as hard to get as you think. With Loans Now currently increasing in popularity, we are well known for considering all kinds of credit score history consumers (We Are Not A Payday Loans Company) that are seeking personal unsecured loans for 500 credit score. Loans Now does not pull credit scores with a hard credit report initially, you can get the benefit of obtaining personal loans quotes.


What Customers are Saying

J. Scott

I had a great experience with Loans Now. The process was smooth and efficient.

-J. Scott

T. Johnson

I thought that I would never get funded until I started working with Loans Now

-T. Johnson

S. Marshall

Funding was so painless. I answered a few questions and was right back on track.

S. Marshall