Need a Loan Now? Here’s How It Works

Loans Now is changing the way people seek out loans. If you need cash now, we have a dedicated team to assist you in identifying the right loan for your situation.

We have offers that you can choose from right on site, or you can use our Loan Discovery Process if you need to have a one on one conversation with one of our loan discovery representatives.

We do not share your information, so you will not receive any unwanted emails or phone calls.

Our company does not collect any sensitive information or pull your credit up front, so you know that your privacy is assured. We take into consideration all of the aspects of your personal situation and make a recommendation based on your unique factors, not a computer algorithm. If you’re in an ‘I need cash now’ situation, we’re here to help.

Personal loans can sometimes be hard to acquire, but we at Loans Now have simplified that process. If you have good credit, bad credit or anything in between, if you need money now, we have a loan for you. The process is free (we never charge you a fee, ever) and you are not committed in any way.

Personal Loans Starting at 4.99%

  • ✔ All Credit Types Accepted
  • ✔ Credit Reviewed to 450
  • ✔ 2, 3, 5 & 7 Year Terms
  • ✔ Loan Amounts $500 - 70K

No Initial Credit Check!

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* MAX APR 35% / NO FEES / MIN Term 2yrs Max Term 7yrs
** No Payday/No Title Loans
*** Using tool will not lower your score. We do not share your information. You will not receive any unwanted contacts

Why is this so differnt?

No Initial Credit Check

No Initial Credit Check

Most of our clients know that having multiple inquiries can lower your score. We realize that too. With our Loan Discovery process, we have you use the data you provide to give you the best opportunity to obtain a loan when you need one without hurting your score or sharing your information.
Longer Terms

Privacy Assurance

Loans Now does not give your information to anyone. We do not gather any personal information upfront, so your identity and personal information are not compromised. No more unwanted solicitations, phone calls and emails. Loans now will never share your information.
Fund Quickly

Fund Quickly

“But I need money now!” Our company knows that you need a loan now – not next week or next month. Our Loan Discovery process is simple and effective. Our providers normally fund the money within 24 hours, but in some cases it can take up to 1 business day.
Longer Terms

Longer Terms

Most payday and title loans only let you borrow the money you need for short periods of time. This hinders your ability to borrow as your payments are higher. With longer terms, your payments are much more manageable. You can get a loan now and pay it off at any time.
Unsecured Personal Loans

Loans based on your profile

We understand that you are an individual. That being said each person has his / her own financial circumstances. We understand that, and we understand that you are not just a number. We are known to provide custom solutions for those in need of instant unsecured loans for 500 credit, unsecured loans for bad credit, unsecured loans for no credit check, and other personal loans (not payday loans).
Longer Terms

Credit Score

We work with all credit types, from clients with 700+ scores to clients with a 450 credit score. Our Discovery Program works for you to identify and connect you with the right loan product.

Need more reasons to get a loan now?

  • The process takes 60 seconds
  • The process is Free and done online
  • We do not offer payday loans
  • We do not provide title loans
  • We do not pull your credit initially – you provide that to us
  • We offer loans for clients with a 450 credit score
  • We do not share your information with anyone

Competitor A

8.99%
  • Initial Credit Check
  • Secured Loans Only
  • Minimum Credit: 620
  • No Payday Loans
  • Payoff Penalty

Personal Loan Solution

4.99%*
  • No Initial Credit Check
  • Unsecured Loans
  • 450 Credit Score Minimum
  • No Payday Loans
  • No Payoff Penalty
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Competitor B

12.99%
  • Initial Credit Check
  • Unsecured Loans
  • Minimum Credit: 700
  • Payday Loans
  • No Payoff Penalty
*Not all clients will qualify for the shown rate. Loans Now does not charge any fees.

We service following States:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New York, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

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About Loans Now

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