Personal Loans Starting at 6.99%

Can I Get A Unsecured Loan with Any Type of Credit?

When you have variable credit types, getting the loan you need for personal expenses can be a discouraging process. You’re either not approved, or have to deal with questionable lenders that ask for money in advance. Even if they’re willing to work with you, these predatory lenders will often set unrealistic loan terms, loan limits, and interest rates, that can leave you in worse shape than before. If you have good credit, getting a personal loan approved doesn’t have to be a scary or frustrating process. Loans Now is here to guide you through the process of getting unsecured personal loans, or whatever your financial situation may be.

Your Credit Score reflects your record of paying off financial debt. Miss payments on credit cards, student loans, or medical bills, and your score goes down (making your credit score bad). Credit scores are an easy way for lenders to assess risk when underwriting loans. They can instantly see your history, and use that to decide if they are willing to loan you money, and the rate of interest they will change when you pay it back. Having a less than perfect score can affect your ability to get approved for a credit card, personal loan, or even an apartment

We know how hard it can be to get the money you need when your unsure of your credit score, and we’re here to help. No more frustrating rejections for unsecured loans for people, or worse yet, scams to trick you out of your hard-earned cash. A personal loan or unsecured personal loans for various types of credit can be a way to get the cash you need to live life.

Options for less than perfect credit loans

The short answer is people who are just like you. Having a less than perfect credit score doesn’t mean that you’re a failure, or that you’re irresponsible with your finances. We all have instances in our lives where things happen that we can’t control, and obligate us for money that we simply don’t have.

What to with less than perfect credit

None of these examples are often anything that you can control, but you’re nevertheless left to deal with the fallout. In many cases, people are left with no option but to deal with these issues by maxing out their credit, loan amount, or prioritizing their bills, even if that means they have late or missed payments.

These aren’t people who are irresponsible; they’re just doing what they have to, in order to provide for their families. You shouldn’t think that having a less than perfect credit score or short credit history means that you have failed to keep your life in order, or that there’s any shame in seeking a loan, or any kind of help, to get your life back on track.

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.