Thank You


It seems as if you would be a candidate for our program. You have completed the first step in the process. Please read this page in its entirety, as we have provided a lot of information so that your process will move smoothly. This process should take less than 15 minutes.

Please Remember

  • You will never be asked to pay a fee!
  • Our Loans start at $500 and go up to $70k
  • Most of our clients see a term of  3 / 5 / 7 Years.

We value your privacy. Each time someone pulls your credit it may drop your score. Our process is unique. We do not pull credit initially so your score will not drop.

The following are some sample 5 year payments: 

Sample Loan:

FICO 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

**Sample rates and payments are just that samples. Not all borrowers will qualify for the lowest rate due to basic underwriting principales not will all candidates qualify for a loan. Our team does review credit scores down to 450.

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


1. Current Credit Score

We ask that you pull a current report* as 99% of our programs use the Experian score. If you do not have an Experian score provider you can obtain your credit using our suggested / trusted partner.

*We cannot accept Credit Karma as they do not provide an Experian Score.

*Current report must be from today

2. Additional Information Needed

  • Date you obtained your credit score
  • The total sum of your monthly bills
  • Have you filed for Bankruptcy?
  • Have you missed payments in the last 2 years?

3. Loan Discovery Representative

As a follow up you will receive a welcome email and possibly a call from him about your loan information. Please make sure to check your email for your next set of instructions.

Chip Walter

You will be working with him during this process. Remember that he may contact you by phone to introduce himself and if necessary to conduct a small interview – please make sure your voice mail is not full.

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