Personal Loans Starting at 6.99%

❄️ AC Emergency Loans

Your comfort and safety matter — especially in extreme temperatures. If your air conditioner breaks down suddenly, we offer AC emergency loans to help you:

• Replace or repair HVAC units

• Cover urgent technician visits

• Restore your cooling system fast

Don’t sweat a broken system — get the funds you need today.

🚗 Auto Repair Emergency Loans

Car trouble can stop life in its tracks. From unexpected breakdowns to urgent repairs, our auto repair emergency loans can help you:

• Pay for towing and diagnostics

• Replace parts or tires

• Get back on the road fast

Same-day approvals mean you don’t have to wait.

🏠 Roofing Emergency Loans

Storms, leaks, and fallen debris can cause major damage to your home. Our roofing emergency loans provide quick access to cash for:

• Temporary roof repairs

• Full roof replacements

• Insurance deductibles

Protect your home and your peace of mind.

How Can I Get An Unsecured Personal Loan Online

Loans now is changing the model for personal loans, helping people identify the personal loan that’s right for them. Through our Loan Discovery Program, we ask about your credit score and identify the right good credit personal loan for you. The best thing about it? It’s completely free.

With our process of identifying your situation, we make sure you’re assisted during the whole process, some say with that you’re practically assured approval for a personal loan, with no initial credit check required. If you have a loan need and are looking for a loan online, there’s no easier way to do it. The only thing we require is that you know your current (today’s) credit score, and we have resources dedicated to showing you how to find your credit score. Because we ask you to know your credit score beforehand, we don’t run a hard credit check initially, so your score doesn’t take a hit.

We don’t offer payday loans or title loans, so we’re experts at all types of loans without collateral.

We don’t give out your personal information to anyone- in fact, we don’t even gather unnecessary personal information, so you can rest assured that you’ll have the utmost privacy. No more unwanted solicitations, annoying phone calls or junk emails, your information is safe with us.

Hard Inquiries Vs. Soft Inquiries

Among many people, there’s a misconception that every single time a check is made against your credit score, it will automatically cause your score to drop. Other people aren’t even aware that a check on their credit score can drop their score. Neither one is completely true, to a certain extent – it depends on the type of inquiry being performed.

A hard inquiry against your score will cause your score to drop. These checks are made by anyone who could potentially loan you money, or extend credit to you. Types of inquiries are made whenever you’re seeking a personal loan with bad credit, applying for a credit card, and sometimes when you’re requesting an increased credit limit. You need to be cautious, as many lenders will make a hard inquiry before they even start to talk terms and rates with you. At Loans Now, we never start with a hard inquiry. You tell us what you want, and what your credit score is like.

A soft inquiry is a check made by any person or agency that isn’t potentially going to extend you a loan or credit. Soft inquiries often come in the form of background checks for employment, promotional offers from credit card services, and others. Anytime you check your own score, it is always a soft inquiry, so you don’t need to stress about checking your own score.