Abstract: A wearable towel with a locking loop device configurable for multiple applications and its method of use are described. In some configurations, the wearable towel is secured to the wrist or forearm by a band and may be worn wrapped around the wrist or forearm in a corkscrew fashion for use as a towel, a sports-wrist sweatband, or a utility towel. Alternatively, the wearable towel may be wrapped around the forehead or the face for use as a sweatband/headband or facemask, and secured by tucking the free short end of the towel through the loop. The particular shape and fabric composition of the invention contribute to the comfort and ease of use of the wearable towel on the arm, head, or face.