• Apply For Cash

    Fill out our short application form secured with 256-bit technology.

  • Receive Approval

    After the approval, review all terms and rates at the lender’s website.

  • Check Your Account

    Get cash deposited into bank account on the next business day.

Loan By Phone

Welcome to Loan By Phone

Loan By Phone is a short-term loan to cover your spending needs. It is secured against your future paycheck. Cash advance payday loans have grown in popularity over the years and are used by millions of people just like you to pay for unexpected expenses that arise. If there is an emergency and you need money quickly, a cheap personal loan can help. Just be sure to only borrow what you can afford to pay back when you receive your next paycheck.

Do you have bad credit? No Problem!

Loan-By-Phone has been helping people with good and bad credit get approved for personal loans. Our system is fast, safe and secure. In many cases, our lenders can get you the cash in less than 24 hours. Even if you have bad credit, we have lenders that may be able to help get you a loan. Apply now to find out!.

100% online

You need not be a tech savvy to fill in our online application form. Our online form is for your convenience and flexibility. The form is self explanatory and easily understandable.

Professional expertise

Our dedicated and skilled customer care staff is ever ready to offer you professional guidance whenever you land in any financial confusion. You can contact us with your concerns and queries anytime during our business hours.

Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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Get pre-approved for a large personal loan today!

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