Transparent Loans
Designed for Your Budget.
Access flexible installment loans from $500 to $5,000 with clear terms and honest rates. No hidden fees, no surprises—just straightforward financial solutions when you want to move forward.
$5K
Max Loan
61+
Day Terms
2 min
Application
How much do you need?
Select an amount to get started.
SSL Secured
256-bit encryption
BBB Accredited
A+ Rating
GLBA Compliant
Your data protected
TILA Compliant
Full transparency
How Right Now Loans works
From application to funding — we've made every step friendly and fast.
Fill the Form
Answer a few basic questions. Takes about 2 minutes. No documents needed to start.
Get a Decision
We review your application and present eligible offers. Subject to credit review and verification.
Review & Sign
Review your loan agreement at your own pace. No pressure, no hidden clauses.
Funds Deposited
Once signed, funds are typically disbursed within 1–2 business days, subject to bank processing.
Estimate your
monthly payment
Move the sliders to see your estimated monthly payment at our maximum representative APR of 34.99%. Many customers qualify for lower rates.
- ✓ No prepayment penalties ever
- ✓ Fixed monthly payments
- ✓ Flexible terms: 61 days to 24 months
- ✓ Funds typically disbursed within 1–2 business days
$200
Est. Monthly
$2399
Total Repaid
$399
Interest
Representative estimate at 34.99% APR. Actual rate depends on creditworthiness. This is not a loan offer.
Apply for $2,000 NowLoan options at a glance
| Amount | Term | Est. Monthly |
|---|---|---|
| $500 | 3 months | $177 |
| $1,000 | 6 months | $186 |
| $2,000 Popular | 12 months | $205 |
| $3,500 | 18 months | $258 |
| $5,000 | 24 months | $307 |
Representative examples at 34.99% APR. Actual rates depend on creditworthiness and state. Not a loan offer.
People just like you
"I needed help covering an unexpected car repair. Right Now Loans made the whole process feel human — no confusing paperwork, just real help."
Maria T.
Austin, TX
"I was nervous about applying, but the process was incredibly straightforward. Got my answer in minutes and the money was in my account the next day."
James R.
Columbus, OH
"What I appreciated most was the honesty. The rate, payment, and total cost were all right there before I signed. No surprises. That matters a lot to me."
Danielle K.
Phoenix, AZ
Eligibility requirements
- ✓
Be at least 18 years old
You must be a legal adult to enter into a loan agreement.
- ✓
U.S. resident
You must reside in a state where Right Now Loans is available.
- ✓
Active bank account
A checking or savings account for fund deposits.
- ✓
Steady income source
Employment, self-employment, benefits, or other regular income.
- ✓
Valid SSN or ITIN
Required for identity verification and credit check.
Your journey to funding
Submit application
2 minutes, all online
Application reviewed
Status communicated promptly
Review loan offer
Full transparency, no pressure
E-sign agreement
Secure digital signature
Receive funds
Typically 1–2 business days
Frequently asked questions
Can't find your answer? Our team of real humans is ready to help.
An installment loan is a type of credit where you borrow a fixed amount and repay it in regular monthly payments over a set term. Unlike revolving credit, you know your payment schedule upfront — no surprises.
Right Now Loans offers credit solutions from $500 up to $5,000. The amount you qualify for depends on your state of residence, income, and creditworthiness. Checking your offers has zero impact on your credit score.
Our representative APR is 34.99% — which is our maximum. Many customers qualify for lower rates based on their credit profile. There are no prepayment penalties; you can pay off your loan early and save on interest.
Applications are reviewed and a credit decision is communicated as promptly as possible. Once approved and the loan agreement is signed, funds are typically disbursed within 1–2 business days, subject to bank processing times. Approval is not guaranteed and is subject to credit review and state eligibility.
To apply you need to be at least 18 years old, a U.S. resident, have a valid bank account, and a steady source of income. A hard credit inquiry is performed upon final application.
Checking your initial offers uses a soft inquiry and does not impact your score. A hard inquiry is only performed when you formally submit your final application and accept a loan offer.
The minimum repayment term for all Right Now Loans installment loans is 61 days. Most loans have terms ranging from 6 to 24 months for manageable monthly payments.
Never. You can pay off your loan in full at any time without any penalty. Paying early actually saves you money on interest charges.
Ready for a fresh start?
Join thousands of Americans who chose Right Now Loans for clear, caring financial support.
Checking your offers has no impact on your credit score.
Important Disclosures
Representative Example: A $2,000 installment loan repaid over 12 months at 34.99% APR results in 12 monthly payments of approximately $205, for a total repayment of $2,460, of which $460 is interest. This is a representative example only. Actual APR, loan amount, and repayment terms depend on creditworthiness and state of residence.
APR & Fees: Right Now Loans offers installment loans with APRs ranging from 5.99% up to a maximum of 34.99%. Loan amounts range from $500 to $5,000. Repayment terms range from a minimum of 61 days to a maximum of 72 months. Not all amounts, rates, or terms are available in all states. Your actual rate and terms are determined by creditworthiness, income, and state eligibility at the time of application.
Lender Status: Right Now Loans, LLC is a direct lender. We originate and service all loans ourselves. We do not operate as a loan broker or connect applicants to third-party lending networks. NMLS ID: 0000000. License information available upon request.
No Guarantee: This website is not a loan offer. Submitting an application does not guarantee approval or any specific loan terms. All applications are subject to credit review, verification, and state eligibility. Funds are typically disbursed within 1–2 business days after signing, subject to bank processing times.
TCPA Notice: By submitting your application, you provide written consent to receive communications (calls, SMS, email) from Right Now Loans and its partners using automated systems. Consent is not a condition of purchase. Reply STOP to opt out of SMS.
TILA Disclosure: All loan terms, including the Annual Percentage Rate (APR), total finance charge, amount financed, and total of payments, will be clearly disclosed in your loan agreement before signing, in accordance with the Truth in Lending Act.
Right Now Loans is not available in all states. Void where prohibited. ©2026 Right Now Loans, LLC. All rights reserved.