Congratulations! You are Prequalified!

You’ve completed the first step in the Loan Discovery Process, and it looks like you’re a candidate for our program.

Please read this page in its entirety, as it contains important information you need to know so that the process will go smoothly and quickly.

By providing all the information requested, this process can be completed in less than 15 minutes. 

Note** We will need all of the information below to commplete the Discovery Process. It must be current. 

Credit Score Loan Amount & Term Sample Payment /
Total Payment
450  Experian $2,500 / 5 YRS $71.22 / $4,273.20
450-500  Experian $2,500/ 5 YRS $66.01 / $3,960.60
500-550  Experian $2,500/ 5 YRS $60.89 / $3,653.40
550-600  Experian $2,500/ 5 YRS $55.86 /  $3,351.60
600-620  Experian $2,500/ 5 YRS $50.92 / $3,055.20
620-640 Experian $2,500/ 5 YRS $46.08 / $2,764.80

Complete the following to continue the process.

Please have your information ready and check your email.

 1. What’s your current credit score?

We ask that you pull a current credit report, as 90% of the loan programs require all three scores. If you do not have today’s scores (All three, Experian, Equifax, and Transunion) scores, or a score provider already, you can obtain your credit score using our suggested trusted partner.

**This will not hurt your score

For example, If you have today’s score and it is higher than your previous score you could be eligible for a lower rate or more money.

In any credit application. It can help you apply to the right institution, get the best rate, lower your payments, and assist in speeding up the loan approval process by educating you on which product to choose.

We strongly advise that you identify your credit score before starting your application. If you already know your credit score, that’s great too as you’re one step ahead in the process and that much closer to obtaining your unsecured personal loan.

We are here to assist you in all aspects of the loan process and believe that understanding your credit history and your credit score is important. When you know your credit score, you are sure to make the right financial decision for your needs.

2. Have this additional information available

  • The date you obtained your current credit score?
  • The total amount of your monthly bills?
  • Have you filed for bankruptcy in the last 2 years?
  • Have you missed payments in the last 2 years?

3. You will be assigned a personal representative

Be sure to check your email. You’ll be working with a Loans Now representative during this process. If necessary, they may call to introduce themselves. They can’t accept questionnaires or make decisions over the phone. They’ll also be sending you an email which lists the next steps you’ll need to take if required.

Once you receive that email, review it. It will describe what you need and include a link so that you can proceed to the Final Phase of the Loan Discovery process. It may take a minute, so that will allow you to gather the requested items or you can just relax if you already have the necessary information requested above.



As a follow-up, you’ll receive a welcome email and possibly a call from a personal representative about your loan information. Please make sure to check your email for details on the next steps.

Please have your information ready and check your email.

The following are some sample 5 year payments:

Sample Loan Terms:

*Loans Now does not charge any upfront fees, or any fees, at any time, to anyone.

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