LoanNow is a direct lending platform that offers personal loans to the public. The platform offers a maximum principal amount of $10,000 which can be repaid in a term exceeding no longer than 24 months. It provides affordable credit options to non-prime borrowers, typically with credit scores below 650, based on a traditional credit scoring range of 300-850. Its proprietary repayment motivation algorithm monitors and incentivizes an individual’s repayment and financial behavior in real-time to drive down their overall cost of credit.