LoanNow Personal Loans

LoanNow Personal Loans

in Personal Loans from LoanNow, LLC


LoanNow Personal Loans


in Personal Loans from LoanNow, LLC

SuperMoney Net Recommendation Score +45% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly recommended

39 users recommend
9 users are unsure
12 users don't recommend
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Community Rating Mostly recommended
Loan Amount $1,000 - $5,000
APR  (Fixed APR) 29% - 299%
Loan Term 9 - 48 months
Number of Reviews 60

LoanNow Personal Loans Review

LoanNow Personal Loans is offered by LoanNow, LLC, a direct lender founded in 2013 and based in Santa Ana, CA. LoanNow Personal Loans is offered in 7 states across the USA.

What rates and terms does LoanNow Personal Loans offer?

LoanNow Personal Loans has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does LoanNow Personal Loans offer?

LoanNow Personal Loans offers a fixed APR personal loan product that ranges from 29% APR up to 299% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via LoanNow Personal Loans?

Loan amounts start at $1,000 and go up to $5,000.

What can a personal loan from LoanNow Personal Loans be used for?

Personal loans from LoanNow Personal Loans are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

What is the maximum loan term you can get with LoanNow Personal Loans?

LoanNow Personal Loans offers personal loans with terms ranging from 9 to 48 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

LoanNow Personal Loans Rates & Terms
Loan Amount $1000 - $5000
Loan Term 9 - 48 months
APR 29% - 299%

What fees does LoanNow Personal Loans charge?

Does LoanNow Personal Loans charge an origination fee?

LoanNow Personal Loans does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does LoanNow Personal Loans charge a late fee?

Yes, LoanNow Personal Loans may charge borrowers a late payment fee, which is triggered if you're 15 days late.

Does LoanNow Personal Loans charge prepayment fees?

Yes, LoanNow Personal Loans charges additional fees to borrowers who pay off their loans soon than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

LoanNow Personal Loans Fees
Origination Fee N/A
Prepayment Fee? Yes
Late Payment Fee N/A

What do you need to qualify for LoanNow Personal Loans?

Applicants with a credit score of at least 500 and up to 700 are eligible for LoanNow Personal Loans. The minimum age to be eligible is 21 or the state minimum, whichever is higher.

LoanNow Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. LoanNow Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the LoanNow Personal Loans product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

LoanNow Personal Loans Eligibility Criteria
Minimum Age 21
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
  • Credit Score 500 - 700

    What is the estimated funding time for a personal loan via LoanNow Personal Loans?

    LoanNow Personal Loans will typically approve (or deny) a loan application within 1 hour and fund personal loans within 2 business days of approval.

    Does LoanNow Personal Loans report your account activity to credit bureaus?

    LoanNow Personal Loans reports your account activity to the following credit reporting agencies:

    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


    • Headquarters
    •   3100 S. Harbor Blvd
      Suite 280
      Santa Ana, CA 92704 USA
    • (800) 437-1875

    About LoanNow Personal Loans


    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 7 states
    • Alabama
    • California
    • Georgia
    • Missouri
    • New Mexico
    • South Carolina
    • Utah

    Feature Breakdown

    No Interest Grace Period for Late Payment 10
    No Origination Fee  
    Late Fee After (number of days) 15
    Minimum Age 21
    Credit Score Range 500 - 700
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Bank Account Required  
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Military Dependent
    • Non-Military
    • Veterans
    Joint Loan Applications Accepted
    • Individual Applications
    Loan Amount $1K - $5K
    Loan Term 9 - 48 months
    APR (Fixed APR) 29% - 299%

    LoanNow Personal Loans Community Reviews


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