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.

Please Remember:

  • You will never be asked to pay a fee.
  • Our loans start at $500 and go up to $70,000.
  • Most of our clients receive a term of 3/5/7 years.

We value your privacy. Each time someone pulls your credit, it can drop your credit score. With our unique process, we do not pull your credit initially, so your score won’t drop.

The following are some sample 5 year payments:

Sample Loan Terms:

Credit ScoreLoan Amount & TermSample 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


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

1. What’s your current credit score?

We ask that you pull a current credit report, as 90% of the loan programs require an Experian FICO score. If you do not have an Experian score provider already, you can obtain your credit score using our suggested trusted partner.

Knowing your credit score before you apply is one of the most important pieces 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 score is important. When you know your score, you are sure to make the right financial decision for your needs.

2. Do you have this additional information available?

  • 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.