Personal Loans Starting at 4.99%
  • Credit Scores Reviewed to 450
  • 3, 5, & 7 Year Loans up to 70K
  • No Title/Payday Loans
  • Min Loan Term 3 Years

No Initial Credit Check!

Max Loan Amount $70K - Min Loan $500

* Using tool will not lower your score.
* We do not share your information.
* You will not receive any unwanted contacts
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Unsecured Personal Loans

Loans Now, the best unsecured personal loans online for bad credit, good credit, no credit

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How We Work

Get an Unsecured Loan

About Loans Now

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No Initial Credit Check

Checking rate will not affect your credit score.

Unsecured Personal Loans

No payday or title loans.

Longer Terms

Have access to more funds.

Credit Scores

We offer loans down to a score of 450.

Fund Quickly

Usually within 24 hours.

Privacy Assurance

One on one interaction.

With Unsecured Personal Loans from Loans Now, getting a Personal Loan is easier than ever. Below are some sample rates and fees.

Credit Score Loan AmountTermSample Monthly Payment / Total PaymentFee
450+$25005 Years$90.33 / $5419.800%
550+$25005 Years$76.34 / $4580.400%
600+$25005 Years$63.48/ $3808.800%
650+$25005 Years$55.61 / $3336.600%
700+$25005 Years $49.50/ $2970.000%
750+$25005 Years$47.17/ $2830.200%

* Not all candidates will qualify
* Loans Now never Charges any upfront fees, if you are asked for any upfront fees
never pay them to anyone for the purposes of borrowing.
* Loans Now Never Charges any fees ever, simply answer a few questions and be on your way to obtaining a loan in as little as 3 hours.

Identity Theft

It’s possible you haven’t spent much time thinking about it, but Identity Theft is America’s fastest growing crime. We have a solution for you so you can rest easy.

How to Get a Personal Loan

  • Identify how much money you will need to borrow
  • Will you need collateral for your loan?
  • Gather your bills and pay stubs
  • Calculate your current Debt to Income Ratio
  • Check your Credit Score
  • Seek out companies which offer loans in your state
  • Inquire about interest rates based on your credit score
  • Decide on a Loan Product
  • Apply for a Loan

Who is a Loans Now customer?

An unsecured personal loans customer is everyone. That’s right.

Unsecured personal loans are used by everyone, all of the time. These loans are used to purchase that new item you may have had your eye on. They could be used for an unexpected expense in which you need extra funds to help you through. Loans Now understands that each individual is just that, an individual. Individuals have unique needs and lifestyles. That is why Loans Now states that we have the “right product for your lifestyle.”

We often hear the question, “what is an unsecured personal loan?” Unsecured personal loans are just that, unsecured. What does unsecured mean? Unsecured means that you are offering no collateral. Collateral is usually in the form of a vehicle, investment product or real estate.

Personal unsecured loans are made to individuals, not companies. They are the same as personal installment loans and cover a wide variety of individuals and situations. These individuals may need bad credit personal loans, fair credit personal loans or good credit personal loans. Personal loans are not title or payday loans. Personal loans are fixed loans for a certain time period. This time period is usually either 2, 3, 5 or 7 years.

Josh Hipp – Account Executive

What is Unsecured Personal Loans Now or Loans Now for that matter?

Unsecured Personal Loans Now has been in business since 2013. It was created to assist individuals in obtaining hard to find unsecured personal loans through our unique Loan Discovery Process. After years in the financial services industry, it was becoming obvious that lending sources were becoming scarce – and even more troublesome was the fact that lending guidelines were becoming even more strict.

Given these new challenges, Loans Now saw the need for a platform which could assist clients like you by compiling the best possible loan products available into one space. That space was Unsecured Personal Loans Now.

One of the best aspects of Unsecured Personal Loans Now is the fact that we service all credit types to include credit cards, personal loans for bad credit and personal installment loans. We have sought out the best programs and have included the longest repayment terms available so that our clients have the best opportunity to obtain the loans that they are seeking. Loans Now adheres to several standards. In no way does Loans Now ever collect information which would compromise the identity or security of our clients. Loans Now never charges a fee for any product or service. Loans Now never shares any information with 3rd parties, so our clients never receive harassing phone calls or emails. Even more exciting is that Loans Now works with our partners to offer personal loans for bad credit. We review credit scores down to 450.

Matt Collins – President

How do I use the Loans Now website to get a personal unsecured loan?

Tools on the Home Page

Loans Now clients can answer the short questionnaire located on the Loan Discovery page to obtain additional help by answering a few questions. They are given personalized service and receive our best programs based on that information. We do recommend using our ‘know your score’ link to identify your current credit score prior to starting the process, or any loan process for that matter. This helps our clients to receive a no credit check loan. Loans Now clients may also search out credit card offers by clicking on the link located on the homepage.

Loan Discovery Process

Another aspect that makes Loans Now distinct in the personal loans industry is the recently introduced ‘Loan Discovery’ process. This is a quick and efficient way for clients to connect one-on-one with a loan discovery specialist, rather than choose from various lending products available once they’ve responded to the questionnaire on the Loans Now website.

Our Loan Discovery approach not only improves our client success rates, but it helps our clients avoid having their credit pulled multiple times as they seek the ideal loan solution. Our goal is to provide honest, transparent information that helps our clients get the unsecured personal loan that’s right for them.

How do I get a loan with bad credit?

If you’ve got poor credit, loans can sometimes be hard to find. We specialize in identifying and obtaining, personal loans bad credit or good. That’s one of the reasons why our Loan Discovery Program is so popular, it helps identify loans for people with bad credit – helping them pay bills, get that extra cash they need, finance needed home repairs, or pay for any other project.

If you’ve got bad credit, don’t let that deter you from using our service – we’ve helped thousands of clients identify the right loan for their needs. You can get a loan with bad credit – but how you do it matters. Loans Now provides an easy, quick approach to identifying the right loan without harming your credit score. We don’t take any personal information, so your details stay safe. If you’ve been wondering, ‘how can I borrow money with bad credit?’ – you’ve come to the right place.

Wesley Cooper – Loan Specialist

Security Note

Loans Now / Angel Oak Solutions Inc. is committed to Safe Guarding Customer Information and protecting them from scams. Please check here for the latest news.

What customers are saying

**Not all clients will achieve the same result, Min Loan Term 3 Years Max APR 35%**