Loan By Phone is the fast, easy and confidential way to get cash.

Loan By Phone is trusted by thousands of people, just like you.

Whether it is an everyday expense or a financial emergency we are there to lend a hand when you need it the most.

"We are on a fixed income so Loan By Phone is a great way to tide
us over between pay periods." - Donna G.

"My son needed books for college, so a payday loan was a MUST. Your service really made the difference on his first day of school" - Marcel E.

"We needed building supplies to finish our home improvement project but didn't have the credit to buy them in advance. With a payday loan we were able to finish our new deck." - Jonah and Feliz J.

Refer friends or family and get $20 for the referral!

Have a friend apply for a payday loan at Loanbyphone.com. Make sure they send in a Refer a Friend Form with their faxed documents. If your friend qualifies and completes a payday loan, you'll receive $20.00 directly deposited into your account.
It's our way of saying thanks. receive $20.00 directly deposited into your account if your friend qualifies and completes a payday loan.

Get the cash you need and help a friend at the same time. CLICK HERE and email your Name, Phone Number, State of Residence and Customer Account Number and your friend earns $20, upon your complete transaction!

*The $20 will be credited to your bank account electronically. No cash or check will be issued. You will be contacted to obtain your account information if we do not already have it on file.

Find out about the fee schedules in your state.

Loanbyphone.com helps thousands of customers each month with their cash advance needs! We help people who need a fast, convenient, and confidential payday loan. It is our goal to offer you the best online loan service at competitive fees. Our payday advance fee is competitive and in compliance with applicable state or federal law. For more information about what the fee schedules are click on your state below.

Fill out our online loan application

If you have a steady source of income and a bank account, you may be approved for a loan of up to $800 in as little as one hour. Once approved, we'll electronically deposit between $100 and $800 directly into your bank account as early as the next business morning. It is Quick, Easy, and Convenient! Just fill out our online loan application and get cash fast.

Unlike many other financial institutions LoanByPhone.com does not require that you have good credit, or for that matter any credit history at all. We do not obtain a complete credit report. Instead, we subscribe to a risk assessment service. So, even if you have bad credit, you may qualify for a payday loan. The approval process and your state of residence determine loan limits.

In some cases it may be necessary to fax or email a loan application. This depends on the regulations in your state. If this is necessary a customer service representative will contact you.

Loanbyphone.com is permitted to offer fax less online cash advances and payday advances in: Alabama, California, Delaware, Idaho, Kansas, Louisiana, Michigan, Mississippi, Ohio, South Dakota, Utah, Wisconsin and Wyoming.